Regency Fincorp (BSE: REGENCY) had a P/E of 23.6× on 6 Nov 2026, and the shares are 12% below their 52-week high. Net profit grew 144% a year over 3 years, with ROE of 15%. ROCE and debt-to-equity are not meaningful for banks and lenders; it trades at 2.96× book value. It is a small-cap company with a market cap of ₹506 Cr, ranked 56th of 193 Credit Services companies by market cap; the shares rose 62% over the past year.
- ₹65.50
- ₹65.50
- ₹62.90
- ₹63.18
- 1 L
Health check
- ReturnsAhead
+62.0% over a year, better than 7 of 7 peers.
- Price tagIn line
P/B 2.96 vs peer median 2.62.
- GrowthStrong
Profit +143.8% a year over 3 years.
- ProfitabilityAverage
ROE 14.6% vs peer median 18.7%.
- Balance sheetSolid
Return on assets 4.97%. Bad-loan data isn’t covered.
- Red flagsNone found
No warning signs in the headline numbers.
Small cap
Defensive
Key metrics
- Market cap
- ₹506 Cr
- Small cap
- P/E
- 23.6
- Industry 15.5
- Price to book
- 2.96
- Peers 2.62
- Dividend yield
- 0.00%
- ROE
- 14.6%
- Peers 18.7%
- ROCE
- n/m
- Not meaningful for lenders
- Debt to equity
- n/m
- Not meaningful for lenders
- EPS (TTM)
- ₹2.68
- OPM (TTM)
- 37.6%
- Net margin 37.2%
- Sales growth
- n/m
- Not meaningful for lenders
- Profit growth
- +200.7%
- Latest quarter vs a year ago
- Price to sales
- 7.86
Strengths and risks
Strengths
- Quarterly profit up 200.7% on a year ago.
About Regency Fincorp
Regency Fincorp Limited operates as a non-banking financial company in India. It offers micro-business/personal loans, merchant financing, MSME loans, and women entrepreneurs' loans, as well as loans against property. The company also provides short-term loans for purchasing inventory, business expansion, plant and machinery, display panels, and office furniture and automation, as well as mining equipment loans. In addition, the company provides credit…
- Headquarters
- Zirakpur
- Employees
- 159
- Sector
- Financial Services
- ISIN
- INE964R01013
- Website
- regencyfincorp.com
Price range
- Avg volume (3M)
- 2 L
- 1-year return
- plus 62.0%
- From 52-week high
- minus 12.1%
Peers · Credit Services
| Company | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCEBajaj Finance | 1,087.75 | plus 1.66% | 6,77,005 | 31.3 | 5.49 | 19.0% | 3.8% | 18.2% | 0.50% | plus 1.2% |
| SHRIRAMFINShriram Finance | 961.15 | minus 0.30% | 2,26,167 | 16.0 | 2.03 | 14.8% | 3.9% | 18.6% | 1.80% | plus 21.0% |
| CHOLAFINCholamandalam Investment and Finance Company | 1,785.00 | plus 1.42% | 1,53,103 | 24.5 | 4.41 | 20.6% | 2.6% | 25.2% | 0.11% | plus 0.8% |
| TATACAPTata Capital | 358.05 | plus 2.93% | 1,50,979 | 25.4 | 3.10 | 14.1% | 2.2% | – | 0.16% | plus 5.6% |
| MUTHOOTFINMuthoot Finance | 2,869.00 | plus 1.06% | 1,15,181 | 9.4 | 2.62 | 31.6% | 6.3% | 43.1% | 1.05% | minus 11.0% |
| PFCPower Finance Corporation | 328.80 | minus 0.18% | 1,08,507 | 4.1 | 0.74 | 18.7% | 2.7% | 17.7% | 4.99% | minus 16.9% |
| IRFCIndian Railway Finance Corporation | 80.43 | plus 0.37% | 1,05,110 | 14.3 | 1.73 | 12.6% | 1.4% | 4.4% | 2.74% | minus 34.4% |
| REGENCYRegency Fincorp | 63.13 | minus 0.08% | 506 | 23.6 | 2.96 | 14.6% | 5.0% | 143.8% | 0.00% | plus 62.0% |
| Median of 7 peers | – | 1.06% | 1,50,979 | 16.0 | 2.62 | 18.7% | 2.7% | 18.4% | 1.05% | 0.8% |
Quarterly results
| ₹ Cr | Sep 25 | Dec 25 | Mar 26 | Jun 26 | Sep 26 |
|---|---|---|---|---|---|
| 7.8 | 8.6 | 10.3 | 16.1 | 44.3 | |
| 4.5 | 4.2 | 6.7 | 7.3 | 31.4 | |
| 3.3 | 4.4 | 3.6 | 8.9 | 13 | |
| 42.5% | 51.3% | 35.1% | 54.9% | 29.2% | |
| 1.7 | 0.5 | 1.7 | 1.3 | 2.3 | |
| 0.2 | 0.2 | 0.2 | 0.2 | 0.3 | |
| −0.3 | −0.1 | −0.5 | −0.5 | −1.7 | |
| 4.5 | 4.6 | 4.7 | 9.4 | 13.3 | |
| 26.8% | 25.9% | 24.8% | 25.2% | 25.2% | |
| 3.3 | 3.4 | 3.5 | 7 | 10 | |
| 0.48 | 0.37 | 0.39 | 0.79 | 1.12 |
Profit & loss
- Profit CAGR 3Y
- +143.8%
- EPS CAGR 3Y
- +19.1%
- ROE
- 14.6%
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| 13.5 | 15.3 | 20.1 | 35.8 | |
| – | +13.7% | +31.2% | +77.9% | |
| 11.8 | 11.7 | 13.4 | 18.3 | |
| 1.7 | 3.7 | 6.7 | 17.5 | |
| 12.2% | 23.8% | 33.4% | 48.8% | |
| 0 | 0.3 | 1.4 | 4 | |
| – | – | 0 | – | |
| 0.4 | 0.8 | 0.7 | 0.9 | |
| – | −0.5 | −0.7 | −2.4 | |
| 1.3 | 2.6 | 6.7 | 18.2 | |
| 27.4% | 23.1% | 25.7% | 26.4% | |
| 0.9 | 2 | 5 | 13.4 | |
| – | +112.7% | +153.0% | +169.6% | |
| 0.87 | 0.51 | 0.78 | 1.47 |
Forecast
Balance sheet
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| 10.7 | 38.2 | 63.6 | 80.2 | |
| 3 | 12.4 | 58.2 | 80.3 | |
| 89.7 | 94.6 | 105 | 156 | |
| 2.9 | 1.9 | 2.7 | 14 | |
| 106 | 147 | 229 | 330 | |
| 2.9 | 6 | 5.9 | 6.5 | |
| 0.1 | 0 | 6.4 | 9.4 | |
| 2.2 | 3.9 | 5.6 | 12.6 | |
| 101 | 137 | 211 | 302 | |
| 106 | 147 | 229 | 330 |
Cash flow
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| 11.8 | 9.9 | 11.4 | 26.9 | |
| −14.5 | −28.8 | −48.2 | −87.3 | |
| 3.6 | 30.9 | 68.1 | 66.3 | |
| 0.9 | 12 | 31.3 | 5.9 | |
| −1.1 | −4.3 | −2.4 | −3.4 | |
| 10.7 | 5.6 | 9 | 23.5 |
Shareholding pattern
This company is listed only on BSE, so there’s no NSE category split. See Major shareholders below for the named holders. Institutions hold about 2.0% (Yahoo estimate).
Major shareholders
Filings & events
News
No recent news coverage found.