Regency Fincorp
BSE: REGENCY · Other Financial Services
Snapshot
Unlock Regency Fincorp's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Regency Fincorp Limited is a Chandigarh-based non-banking financial company that provides credit facilities to small and medium enterprises and retail customers. The firm focuses on financial inclusion by offering micro-loans and personal financing solutions to underserved segments across northern India.
Business Model
The company generates revenue primarily through interest income earned on its diverse loan portfolio and processing fees charged for credit facilities. It operates through a branch network designed to reach customers who lack access to traditional banking channels.
Growth Outlook
Growth is expected to be driven by the expansion of its branch network in northern India and increased penetration into underserved market segments. The company aims to leverage its small-cap agility to scale its micro-loan and business loan offerings.
Key Risks
- Credit Risk. The company faces potential losses if borrowers in the underserved segment default on their micro-loans or business financing.
- Regulatory Risk. As an NBFC, the company is subject to stringent and evolving oversight by the Reserve Bank of India, which may impact operational flexibility.
- Interest Rate Risk. Fluctuations in interest rates can affect the company's net interest margins and the affordability of loans for its target customer base.
- Geographic Concentration. Reliance on operations primarily within northern India exposes the company to regional economic downturns or localized market disruptions.
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Key Metrics
REVENUE
₹34 Cr
TTM · standalone
NET PROFIT
₹13 Cr
TTM · standalone
EPS
₹1.79
TTM · standalone
RETURN ON EQUITY
10.2%
TTM · standalone
P/E
24.4x
Q4 FY26 · standalone
DEBT TO EQUITY
1.2x
Q3 FY25 · standalone
Peers · Other Financial Services
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Regency FincorpREGENCY | ₹407 Cr | 26.44 | — | 72.7% | 69.0% | 10.2% | — | +21.6% |
Wealth First Portfolio Managers LimitedWEALTH | ₹904 Cr | 27.36 | — | 1.0% | 72.0% | 23.5% | — | -30.2% |
Stellant Securities (India) LimitedSTELLANT | ₹597 Cr | 26.16 | — | 909.8% | 18.8% | 243.0% | — | +78.8% |
The Investment Trust Of India LimitedTHEINVEST | ₹496 Cr | 14.89 | — | -22.3% | 20.0% | 5.1% | — | -37.8% |
NDL VenturesNDLVENTURE | ₹403 Cr | 748.13 | — | — | — | 1.3% | — | +32.6% |
Shree Salasar Investment Ltd.SALSAIN | ₹256 Cr | 13.87 | — | 171.2% | 27.0% | 33.2% | — | — |
As of Q4 FY26
Financials
Regency Fincorp
BSE: REGENCY · Other Financial Services
Snapshot
Unlock Regency Fincorp's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Regency Fincorp Limited is a Chandigarh-based non-banking financial company that provides credit facilities to small and medium enterprises and retail customers. The firm focuses on financial inclusion by offering micro-loans and personal financing solutions to underserved segments across northern India.
Business Model
The company generates revenue primarily through interest income earned on its diverse loan portfolio and processing fees charged for credit facilities. It operates through a branch network designed to reach customers who lack access to traditional banking channels.
Growth Outlook
Growth is expected to be driven by the expansion of its branch network in northern India and increased penetration into underserved market segments. The company aims to leverage its small-cap agility to scale its micro-loan and business loan offerings.
Key Risks
- Credit Risk. The company faces potential losses if borrowers in the underserved segment default on their micro-loans or business financing.
- Regulatory Risk. As an NBFC, the company is subject to stringent and evolving oversight by the Reserve Bank of India, which may impact operational flexibility.
- Interest Rate Risk. Fluctuations in interest rates can affect the company's net interest margins and the affordability of loans for its target customer base.
- Geographic Concentration. Reliance on operations primarily within northern India exposes the company to regional economic downturns or localized market disruptions.
Start your research today
Unlock AI insights, financials, peers and live data on Regency Fincorp and 5,000+ companies — free.
Key Metrics
REVENUE
₹34 Cr
TTM · standalone
NET PROFIT
₹13 Cr
TTM · standalone
EPS
₹1.79
TTM · standalone
RETURN ON EQUITY
10.2%
TTM · standalone
P/E
24.4x
Q4 FY26 · standalone
DEBT TO EQUITY
1.2x
Q3 FY25 · standalone
Peers · Other Financial Services
As of Q4 FY26