Regency Fincorp Ltd

REGENCY

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Market Cap

₹ 249 Cr

P/E

24.72

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Investment Checklist

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Performance

STEADY PERFORMER

Valuation

OVERVALUED

Growth

EXCEPTIONAL

Profitability

MODERATE MARGIN

Technicals

Bullish

Risk

LOW RISK

Investment Checklist

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Price

PE Ratio

Price

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Overview

Detailed Summary

Regency Fincorp Limited is a Non-Banking Financial Company (NBFC) based in Zirakpur, India, focused on lending and allied activities.

The company targets micro, small, and medium enterprises (MSMEs), aiming to empower them to enhance their business operations and thereby improve living standards.

Regency Fincorp also provides personal loans and consumer durable loans, catering primarily to economically active households.

In March 2020, the company undertook a preferential allotment of shares and convertible warrants, suggesting a strategic move for capital infusion.

Despite the limit in available data, the company's focus on MSMEs indicates a potential strategic positioning in an underserved segment of the financial market.

Sector

Finance

Industry

NBFC-Others

Market Cap

249 Cr

Volatility

Low Risk

P/E Ratio

24.7

Industry P/E

34.0

PEG Ratio

0.2

P/B Ratio

1.9

52W High

46.69

52W Low

24.25

Sales CAGR

35.92%

55.92%

42.58%

10Y

49.74%

Profit CAGR

152.79%

107.90%

67.60%

10Y

33.14%

ROE

TTM

7.38%

4.23%

4.24%

10Y

4.42%

ROCE

TTM

9.62%

11.47%

9.68%

10Y

9.18%

Technicals

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Forecasts

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
SERA	41.00	269 Cr	—	0.67	0.00	-0.56	-0.34	-0.47
STARTECK	274.00	267 Cr	15.85	1.05	0.09	6.27	7.27	2.76
EMERALD	75.31	259 Cr	21.72	2.85	0.20	13.13	17.88	10.43
REGENCY	33.87	249 Cr	24.72	1.87	0.00	7.38	9.62	4.09
TEAMGTY	275.35	248 Cr	97.99	5.05	0.00	5.15	6.40	5.15
UYFINCORP	14.02	244 Cr	—	0.98	0.00	-0.27	-0.22	-0.21
ALFREDHERB	2848.95	219 Cr	9.11	0.39	0.18	4.25	4.83	73.18

Financial Statements

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Standalone Quarterly Results (in ₹ Crores)

Total Figures

QoQ Changes

Total Figures

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Revenue	3.40	3.96	4.08	3.85	3.49	4.01	5.16	7.30	7.76	7.80
Expenses	0.62	0.90	0.78	1.05	1.00	1.30	1.28	2.66	2.43	2.23
Interest	2.27	2.40	2.44	1.86	1.75	1.66	2.57	2.02	2.28	2.55
Financing Profit	0.51	0.66	0.86	0.94	0.74	1.05	1.31	2.62	3.05	3.02
Financing Margin %	15.00	16.67	21.08	24.42	21.20	26.18	25.39	35.89	39.30	38.72
Other Income	0.02	0.12	0.11	0.21	0.16	0.20	0.23	1.11	1.58	1.75
Depreciation	0.16	0.21	0.25	0.23	0.17	0.17	0.17	0.22	0.24	0.22
Profit Before Tax	0.37	0.56	0.71	0.92	0.74	1.08	1.38	3.51	4.39	4.54
Tax %	27.03	26.79	25.35	17.39	25.68	25.93	25.36	26.21	28.25	26.87
Net Profit	0.27	0.42	0.53	0.75	0.54	0.80	1.03	2.59	3.16	3.32
EPS in Rs	0.04	0.06	0.07	0.10	0.08	0.11	0.14	0.38	0.45	0.48
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Standalone Profit Loss (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	0.41	0.64	1.50	3.39	3.57	5.26	13	15	20	24
Expenses	0.13	0.21	0.83	1.02	2.14	1.62	2.45	3.35	6.23	7.67
Interest	0.00	0.11	0.85	1.90	2.42	2.79	9.38	8.97	8.01	8.53
Financing Profit	0.27	0.32	-0.18	0.46	-0.98	0.86	1.65	2.95	5.72	8.03
Financing Margin %	67.39	49.50	-11.68	13.71	-27.47	16.31	12.24	19.30	28.64	33.14
Other Income	0.02	0.01	0.68	0.23	1.80	0.20	0.03	0.46	1.71	3.12
Depreciation	0.00	0.01	0.02	0.16	0.21	0.34	0.41	0.85	0.73	0.80
Profit Before Tax	0.30	0.31	0.49	0.53	0.60	0.72	1.27	2.56	6.69	10
Tax %	333.49	384.11	382.93	338.32	327.04	433.15	365.17	432.42	389.67	26.83
Net Profit	0.21	0.23	0.36	0.38	0.42	0.55	0.92	1.97	4.98	7.58
EPS in Rs	0.07	0.04	0.07	0.04	0.07	0.08	0.13	0.28	0.71	1.45
Dividend Payout %	—	—	970.00	—	—	—	—	—	—	—

Standalone Balance Sheet (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	3.00	3.00	3.00	3.71	4.10	4.10	5.34	11	38	64
Reserves	0.05	0.26	2.07	2.68	4.95	5.38	7.40	2.98	12	58
Borrowings	0.00	0.00	4.74	19	27	28	77	90	95	105
Other Liabilities	0.15	0.11	2.99	0.50	0.60	1.82	1.58	2.87	1.91	2.74
Total Liabilities	3.21	3.37	13	26	37	39	91	106	147	229
Fixed Assets	0.00	0.00	0.22	1.13	1.43	2.07	2.25	2.90	6.04	5.89
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	0.00	0.00	0.00	0.44	0.33	0.65	0.71	0.06	0.00	3.32
Other Assets	3.21	3.37	13	25	35	36	88	103	141	220
Total Assets	3.21	3.37	13	26	37	39	91	106	147	229

Standalone Cash Flows (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	0.52	0.20	0.98	2.46	0.54	1.69	0.18	12	9.91	11
Cash from Investing Activity	-0.43	0.44	-0.23	-0.93	-0.47	-1.17	-0.58	-15	-29	-48
Cash from Financing Activity	0.01	-0.64	1.34	-2.55	0.68	-1.78	1.04	3.64	31	68
Net Cash Flow	0.10	0.00	2.09	-1.02	0.74	-1.26	0.64	0.90	12	31

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Nov 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Promoters	24.98%	24.98%	23.17%	23.18%	23.19%	22.89%	23.43%	23.13%	23.13%	17.46%	16.86%	17.58%
FIIs	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
DIIs	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.98%
Public	75.02%	75.02%	76.83%	76.82%	76.81%	77.11%	76.57%	76.87%	76.87%	82.54%	83.14%	81.44%
Total Shareholders	3,885	3,733	3,751	3,890	4,421	4,678	6,559	6,584	6,463	6,386	6,195	6,434

Market Transactions

Date	Party	Category	Type	Avg Price (₹)	Total Value (₹)	Quantity	Percent Traded
Sep 18, 2025	Natures heaven india private ...	Insider - Promoter Group	Acquisition	31.19	0.02 Cr	5,023	0.00
Sep 18, 2025	Natures heaven india private ...	Insider - Promoter Group	Acquisition	31.05	0.01 Cr	1,900	0.00
Sep 18, 2025	Natures heaven india private ...	Insider - Promoter Group	Acquisition	31.07	0.03 Cr	10,000	0.01
Aug 27, 2025	Gaurav kumar	Insider - Promoter & Director	Acquisition	18.00	0.75 Cr	4,16,666	0.60
Aug 14, 2025	Natures heavens india private...	Insider - Promoter Group	Acquisition	31.44	0.16 Cr	50,000	0.07
Aug 12, 2025	Natures heavens india private...	Insider - Promoter Group	Acquisition	31.13	0.05 Cr	15,000	0.02
Aug 08, 2025	Natures heavens india private...	Insider - Promoter Group	Acquisition	0.01	0.00 Cr	5,023	0.00
Aug 08, 2025	Natures heavens india private...	Insider - Promoter Group	Acquisition	0.00	0.00 Cr	10,000	0.01
Aug 08, 2025	Natures heavens india private...	Insider - Promoter Group	Acquisition	0.02	0.00 Cr	1,900	0.00
Mar 11, 2025	Kavanviveksejpal	Bulk	Buy	29.18	0.85 Cr	2,90,745	0.45

Projection

Actions

Action Type

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Announcements

Last 7 days

Newest

Sentiment

Board Meeting Outcome

1 day ago

Board Meeting Scheduled for December 20, 2025

Regency Fincorp Ltd has announced a Board meeting on December 20, 2025, to approve the allotment of equity shares upon conversion of warrants.

Documents

Presentations

Concalls

Reports

Presentations

No documents found!

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Financial Statements

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Standalone Quarterly Results (in ₹ Crores)

Total Figures

QoQ Changes

Total Figures

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Revenue	3.40	3.96	4.08	3.85	3.49	4.01	5.16	7.30	7.76	7.80
Expenses	0.62	0.90	0.78	1.05	1.00	1.30	1.28	2.66	2.43	2.23
Interest	2.27	2.40	2.44	1.86	1.75	1.66	2.57	2.02	2.28	2.55
Financing Profit	0.51	0.66	0.86	0.94	0.74	1.05	1.31	2.62	3.05	3.02
Financing Margin %	15.00	16.67	21.08	24.42	21.20	26.18	25.39	35.89	39.30	38.72
Other Income	0.02	0.12	0.11	0.21	0.16	0.20	0.23	1.11	1.58	1.75
Depreciation	0.16	0.21	0.25	0.23	0.17	0.17	0.17	0.22	0.24	0.22
Profit Before Tax	0.37	0.56	0.71	0.92	0.74	1.08	1.38	3.51	4.39	4.54
Tax %	27.03	26.79	25.35	17.39	25.68	25.93	25.36	26.21	28.25	26.87
Net Profit	0.27	0.42	0.53	0.75	0.54	0.80	1.03	2.59	3.16	3.32
EPS in Rs	0.04	0.06	0.07	0.10	0.08	0.11	0.14	0.38	0.45	0.48
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Standalone Profit Loss (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	0.41	0.64	1.50	3.39	3.57	5.26	13	15	20	24
Expenses	0.13	0.21	0.83	1.02	2.14	1.62	2.45	3.35	6.23	7.67
Interest	0.00	0.11	0.85	1.90	2.42	2.79	9.38	8.97	8.01	8.53
Financing Profit	0.27	0.32	-0.18	0.46	-0.98	0.86	1.65	2.95	5.72	8.03
Financing Margin %	67.39	49.50	-11.68	13.71	-27.47	16.31	12.24	19.30	28.64	33.14
Other Income	0.02	0.01	0.68	0.23	1.80	0.20	0.03	0.46	1.71	3.12
Depreciation	0.00	0.01	0.02	0.16	0.21	0.34	0.41	0.85	0.73	0.80
Profit Before Tax	0.30	0.31	0.49	0.53	0.60	0.72	1.27	2.56	6.69	10
Tax %	333.49	384.11	382.93	338.32	327.04	433.15	365.17	432.42	389.67	26.83
Net Profit	0.21	0.23	0.36	0.38	0.42	0.55	0.92	1.97	4.98	7.58
EPS in Rs	0.07	0.04	0.07	0.04	0.07	0.08	0.13	0.28	0.71	1.45
Dividend Payout %	—	—	970.00	—	—	—	—	—	—	—

Standalone Balance Sheet (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	3.00	3.00	3.00	3.71	4.10	4.10	5.34	11	38	64
Reserves	0.05	0.26	2.07	2.68	4.95	5.38	7.40	2.98	12	58
Borrowings	0.00	0.00	4.74	19	27	28	77	90	95	105
Other Liabilities	0.15	0.11	2.99	0.50	0.60	1.82	1.58	2.87	1.91	2.74
Total Liabilities	3.21	3.37	13	26	37	39	91	106	147	229
Fixed Assets	0.00	0.00	0.22	1.13	1.43	2.07	2.25	2.90	6.04	5.89
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	0.00	0.00	0.00	0.44	0.33	0.65	0.71	0.06	0.00	3.32
Other Assets	3.21	3.37	13	25	35	36	88	103	141	220
Total Assets	3.21	3.37	13	26	37	39	91	106	147	229

Standalone Cash Flows (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	0.52	0.20	0.98	2.46	0.54	1.69	0.18	12	9.91	11
Cash from Investing Activity	-0.43	0.44	-0.23	-0.93	-0.47	-1.17	-0.58	-15	-29	-48
Cash from Financing Activity	0.01	-0.64	1.34	-2.55	0.68	-1.78	1.04	3.64	31	68
Net Cash Flow	0.10	0.00	2.09	-1.02	0.74	-1.26	0.64	0.90	12	31

Oscillators

BearishNeutralBullish

Neutral

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bullish

Bearish

Neutral

Bullish

Moving Averages

BearishNeutralBullish

Bullish

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bullish

Bearish

Neutral

Bullish

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
SERA	41.00	269 Cr	—	0.67	0.00	-0.56	-0.34	-0.47
STARTECK	274.00	267 Cr	15.85	1.05	0.09	6.27	7.27	2.76
EMERALD	75.31	259 Cr	21.72	2.85	0.20	13.13	17.88	10.43
REGENCY	33.87	249 Cr	24.72	1.87	0.00	7.38	9.62	4.09
TEAMGTY	275.35	248 Cr	97.99	5.05	0.00	5.15	6.40	5.15
UYFINCORP	14.02	244 Cr	—	0.98	0.00	-0.27	-0.22	-0.21
ALFREDHERB	2848.95	219 Cr	9.11	0.39	0.18	4.25	4.83	73.18

Overview

Detailed Summary

Regency Fincorp Limited is a Non-Banking Financial Company (NBFC) based in Zirakpur, India, focused on lending and allied activities.

The company targets micro, small, and medium enterprises (MSMEs), aiming to empower them to enhance their business operations and thereby improve living standards.

Regency Fincorp also provides personal loans and consumer durable loans, catering primarily to economically active households.

In March 2020, the company undertook a preferential allotment of shares and convertible warrants, suggesting a strategic move for capital infusion.

Despite the limit in available data, the company's focus on MSMEs indicates a potential strategic positioning in an underserved segment of the financial market.

Sector

Finance

Industry

NBFC-Others

Market Cap

249 Cr

Volatility

Low Risk

P/E Ratio

24.7

Industry P/E

34.0

PEG Ratio

0.2

P/B Ratio

1.9

52W High

46.69

52W Low

24.25

Sales CAGR

35.92%

55.92%

42.58%

10Y

49.74%

Profit CAGR

152.79%

107.90%

67.60%

10Y

33.14%

ROE

TTM

7.38%

4.23%

4.24%

10Y

4.42%

ROCE

TTM

9.62%

11.47%

9.68%

10Y

9.18%