Regency Fincorp Ltd

Regency Fincorp Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Regency Fincorp Ltd

₹ 43.0 1.99%
13 Dec - close price
regencyinvestments.co.in BSE: 540175
About

Incorporated in 1993, Regency Fincorp Ltd is a non-deposit taking NBFC

Key Points

Business Overview:[1]
Company provides working capital finance to Indian SMEs, and micro-credit to women and MSMEs of in India. The credit extended is utilized majorly in agriculture and allied activities and in small businesses. Apart from this, company offers flexible, short-term loans that can be used to purchase inventory, business expansion, mining equipment’s loans for Plant and Machinery, Office furniture, display panels, office automation like PCs, laptops and printers

Website BSE
  • Market Cap ₹ 206 Cr.
  • Current Price ₹ 43.0
  • High / Low ₹ 43.6 / 10.2
  • Stock P/E 78.8
  • Book Value ₹ 15.1
  • Dividend Yield 0.00 %
  • ROCE 9.64 %
  • ROE 7.16 %
  • Face Value ₹ 10.0
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Pros

  • Company has reduced debt.
  • Company is almost debt free.

Cons

  • Stock is trading at 2.86 times its book value
  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.
  • Promoter holding is low: 23.1%
  • Company has a low return on equity of 6.64% over last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Finance Industry: Finance & Investments

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Quarterly Results

Figures in Rs. Crores

Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
1.36 1.48 1.38 2.84 3.37 3.64 3.65 3.40 3.96 4.08 3.85 3.49 4.01
0.46 0.54 0.40 0.43 0.55 0.54 0.96 0.62 0.91 0.79 1.05 1.00 1.30
Operating Profit 0.90 0.94 0.98 2.41 2.82 3.10 2.69 2.78 3.05 3.29 2.80 2.49 2.71
OPM % 66.18% 63.51% 71.01% 84.86% 83.68% 85.16% 73.70% 81.76% 77.02% 80.64% 72.73% 71.35% 67.58%
0.00 0.03 0.05 0.02 0.01 0.00 0.02 0.02 0.12 0.11 0.21 0.16 0.20
Interest 0.65 0.53 0.77 2.14 2.35 2.45 2.45 2.27 2.40 2.44 1.86 1.75 1.66
Depreciation 0.08 0.09 0.08 0.10 0.10 0.10 0.12 0.16 0.21 0.25 0.23 0.17 0.17
Profit before tax 0.17 0.35 0.18 0.19 0.38 0.55 0.14 0.37 0.56 0.71 0.92 0.73 1.08
Tax % 23.53% 25.71% 27.78% 26.32% 26.32% 25.45% 42.86% 27.03% 26.79% 25.35% 18.48% 26.03% 25.93%
0.12 0.26 0.13 0.14 0.28 0.41 0.09 0.27 0.42 0.53 0.75 0.54 0.80
EPS in Rs 0.11 0.24 0.12 0.13 0.26 0.38 0.08 0.25 0.12 0.15 0.20 0.12 0.18
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
0.00 0.00 0.08 0.53 0.41 0.64 2.19 3.61 5.36 5.40 13.51 15.73 15.43
0.00 0.00 0.07 0.05 0.12 0.21 0.83 1.01 2.07 1.57 2.46 2.90 4.14
Operating Profit 0.00 0.00 0.01 0.48 0.29 0.43 1.36 2.60 3.29 3.83 11.05 12.83 11.29
OPM % 12.50% 90.57% 70.73% 67.19% 62.10% 72.02% 61.38% 70.93% 81.79% 81.56% 73.17%
0.00 0.00 0.00 0.01 0.01 0.00 0.00 0.00 -0.04 0.03 0.01 -0.45 0.68
Interest 0.00 0.00 0.00 0.00 0.00 0.11 0.85 1.91 2.43 2.80 9.38 8.97 7.71
Depreciation 0.00 0.00 0.00 0.00 0.00 0.01 0.02 0.16 0.21 0.34 0.41 0.85 0.82
Profit before tax 0.00 0.00 0.01 0.49 0.30 0.31 0.49 0.53 0.61 0.72 1.27 2.56 3.44
Tax % 0.00% 22.45% 30.00% 25.81% 26.53% 30.19% 29.51% 23.61% 27.56% 23.44%
0.00 0.00 0.01 0.38 0.21 0.23 0.36 0.38 0.42 0.55 0.92 1.97 2.62
EPS in Rs 0.00 0.00 0.01 0.32 0.18 0.19 0.24 0.23 0.26 0.51 0.86 0.52 0.65
Dividend Payout % 0.00% 0.00% 0.00% 0.00% 10.31% 0.00% 0.00% 0.00% 0.00% 0.00%
Compounded Sales Growth
10 Years: %
5 Years: 48%
3 Years: 43%
TTM: 5%
Compounded Profit Growth
10 Years: %
5 Years: 45%
3 Years: 71%
TTM: 120%
Stock Price CAGR
10 Years: %
5 Years: 42%
3 Years: 96%
1 Year: 294%
Return on Equity
10 Years: 6%
5 Years: 6%
3 Years: 7%
Last Year: 7%

Balance Sheet

Figures in Rs. Crores

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Sep 2024
Equity Capital 3.00 3.00 3.00 3.00 3.00 3.00 3.71 4.10 4.10 5.34 10.69 38.23 43.78
Reserves -0.34 -0.33 -0.32 0.05 0.26 2.07 2.68 4.95 5.38 7.40 2.98 12.36 22.17
0.00 0.00 0.00 0.00 0.00 4.74 19.22 27.44 27.84 76.70 89.73 94.65 0.00
0.02 0.02 0.08 0.15 0.11 2.99 0.50 0.60 1.82 1.57 2.87 1.91 81.85
Total Liabilities 2.68 2.69 2.76 3.20 3.37 12.80 26.11 37.09 39.14 91.01 106.27 147.15 147.80
0.00 0.00 0.00 0.00 0.00 0.22 1.13 1.43 2.07 2.25 2.90 6.04 4.16
CWIP 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Investments 2.66 2.66 0.00 0.43 0.00 0.00 0.44 0.33 0.65 0.71 0.06 0.00 0.40
0.02 0.03 2.76 2.77 3.37 12.58 24.54 35.33 36.42 88.05 103.31 141.11 143.24
Total Assets 2.68 2.69 2.76 3.20 3.37 12.80 26.11 37.09 39.14 91.01 106.27 147.15 147.80

Cash Flows

Figures in Rs. Crores

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
0.00 0.00 -2.66 0.52 0.20 0.98 2.46 0.54 1.69 0.18 11.79 9.91
0.00 0.00 2.66 -0.43 0.44 -0.23 -0.93 -0.47 -1.17 -0.58 -14.53 -28.80
0.00 0.00 0.00 0.01 -0.64 1.34 -2.55 0.68 -1.78 1.04 3.64 30.92
Net Cash Flow 0.00 0.00 0.00 0.10 0.00 2.09 -1.02 0.74 -1.26 0.64 0.90 12.03

Ratios

Figures in Rs. Crores

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Debtor Days 12,501.25 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Inventory Days
Days Payable
Cash Conversion Cycle 12,501.25 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Working Capital Days 12,090.62 1,728.58 2,287.93 1,060.78 1.67 16.18 -59.93 -12.84 -34.04 6.73
ROCE % 0.00% 0.00% 0.37% 17.10% 9.51% 6.43% 7.57% 7.86% 8.37% 5.51% 11.05% 9.64%

Shareholding Pattern

Numbers in percentages

31 Recently
Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Nov 2024
24.98% 24.98% 24.98% 24.98% 24.98% 24.98% 23.17% 23.19% 23.19% 22.90% 23.43% 23.13%
75.02% 75.02% 75.01% 75.03% 75.02% 75.01% 76.84% 76.83% 76.81% 77.11% 76.57% 76.88%
No. of Shareholders 1,4661,5961,6693,8913,8853,7333,7513,8904,4214,6786,5596,584

Documents

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