Regency Fincorp Ltd
Incorporated in 1993, Regency Fincorp Ltd is in the business of a Non-Banking Financial Institution. [1]
- Market Cap ₹ 554 Cr.
- Current Price ₹ 62.4
- High / Low ₹ 71.8 / 22.7
- Stock P/E 23.1
- Book Value ₹ 21.4
- Dividend Yield 0.00 %
- ROCE 10.9 %
- ROE 10.0 %
- Face Value ₹ 10.0
Pros
Cons
- Stock is trading at 2.91 times its book value
- Though the company is reporting repeated profits, it is not paying out dividend
- Promoter holding has decreased over last quarter: -2.31%
- Promoter holding is low: 21.4%
- Company might be capitalizing the interest cost
* 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
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Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|
| 21 | 39 | 79 | |
| 6 | 10 | 33 | |
| Operating Profit | 16 | 29 | 46 |
| OPM % | 73% | 75% | 58% |
| -0 | 0 | 6 | |
| Interest | 8 | 10 | 19 |
| Depreciation | 1 | 1 | 1 |
| Profit before tax | 7 | 18 | 32 |
| Tax % | 26% | 26% | |
| 5 | 13 | 24 | |
| EPS in Rs | 0.78 | 1.67 | 2.77 |
| Dividend Payout % | 0% | 0% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| TTM: | 82% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| TTM: | 165% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | 65% |
| 3 Years: | 83% |
| 1 Year: | 54% |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| Last Year: | 10% |
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2025 | Mar 2026 | Sep 2026 | |
|---|---|---|---|
| Equity Capital | 64 | 80 | 89 |
| Reserves | 58 | 80 | 102 |
| 105 | 156 | 504 | |
| 3 | 14 | 22 | |
| Total Liabilities | 229 | 330 | 717 |
| 6 | 6 | 8 | |
| CWIP | 0 | 0 | 0 |
| Investments | 3 | 1 | 27 |
| 220 | 322 | 682 | |
| Total Assets | 229 | 330 | 717 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2025 | Mar 2026 | |
|---|---|---|
| 11 | 27 | |
| -48 | -87 | |
| 68 | 66 | |
| Net Cash Flow | 31 | 6 |
| Free Cash Flow | 11 | 25 |
| CFO/EBITDA Share of operating profit converting into cash: CFO (before tax) / Operating Profit | 84% | 108% |
Ratios
Consolidated / View Standalone
| Mar 2025 | Mar 2026 | |
|---|---|---|
| Debtor Days | 0 | 0 |
| Inventory Days | ||
| Days Payable | ||
| Cash Conversion Cycle | 0 | 0 |
| Working Capital Days | 25 | -35 |
| ROCE % | 11% |
Insights
In beta| Mar 2018 | Mar 2020 | Dec 2021 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|
| AUM (Loan Book) INR Crore ・Standalone data |
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| Secured Book as % of AUM % ・Standalone data |
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| Active Customer Base (Borrowers) count ・Standalone data |
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| Annual Disbursements INR Crore ・Standalone data |
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| MSME AUM as % of Total AUM % ・Standalone data |
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| Number of Branches count ・Standalone data |
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| Number of Employees count ・Standalone data |
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| Top State AUM Concentration % ・Standalone data |
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Extracted by Screener AI
Documents
Announcements
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Announcement under Regulation 30 (LODR)-Newspaper Publication
- Submission Newspaper Publication of the Unaudited Standalone and consolidated financial results for the Quarter and half year ended 30th September 2026
-
Announcement under Regulation 30 (LODR)-Press Release / Media Release
- Q2/H1 FY27 profit rose sharply; AUM crossed ₹610.24 crore, with ₹312.15 crore preferential issue proposed.
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Submission Of Outcome Of Board Meeting
- Board approved Q2 FY27 standalone and consolidated results, and 40 crore NCD private placement on 23 October 2026.
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Announcement under Regulation 30 (LODR)-Issue of Securities
- Board approved Q2 FY26 results and 40 crore secured NCD issue via private placement.
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Submission Of Unaudited Financial Results For The Quarter Ended 30 September 2026
- Board approved H1 FY2027 results and issued 40,000 NCDs aggregating ₹40 crore on 23 October 2026.
Annual reports
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Annual Report 2026
from bse
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Annual Report 2025
from bse
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Annual Report 2024
from bse
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Annual Report 2023
from bse
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Annual Report 2022
from bse
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Annual Report 2021
from bse
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Annual Report 2020
from bse
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Annual Report 2019
from bse
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Annual Report 2018
from bse
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Annual Report 2017
from bse
Concalls
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Jul 2026Transcript PPT REC
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May 2026Transcript PPT
Business Overview:[1]
RFL is a non-deposit, non-systemically important NBFC registered with the RBI. It provides customer-centric financial services, mainly in the form of micro-credit, to the underserved and unserved women population and MSMEs of the country.