Arthneeti

Regency Fincorp Q1 FY27 Share Price & Earnings Call Analysis

₹63.52-2.61% today
Market cap
₹564 Cr
P/E
23.57
ROE
10.00%
Price to sales
7.11
Debt to equity
2.65
52W high / low
₹68.1 / ₹23.6
EBITDA margin
57.90%
Net profit margin
36.23%
Promoter holding
21.45%
Sales (last year)
₹79 Cr

Incorporated in 1993, Regency Fincorp Ltd is in the business of a Non-Banking Financial Institution. [1]

Guidance scorecard · Q1 FY27 call

What Regency Fincorp's management guided
and where it ranks in Finance

#40of 64 in
Finance
Revenue20–40%MarginsFlatCapexPlannedFundraisingPlannedOrder bookWhat management said

RevenueQ1 FY27 call

20–40%
  • Regency Fincorp targets a total revenue of over INR 75 crores for FY27.
  • They expect the bottom line (PAT) to be between INR 25 crores to INR 30 crores in FY27.
  • Quarter 1 revenue stood at INR 17.5 crores, with expectations that quarters 2, 3, and 4 will perform better.
  • The loan book aims to grow from current INR 350 crores AUM to INR 1,500-2,000 crores within the next 1-2 years.
  • The company plans to scale sustainably by expanding secured MSME lending and digital lending portfolios.
  • Digital lending, currently contributing around 6% of AUM, is expected to grow to 20% of the loan book.

2 more points from Regency Fincorp's call on revenue

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Full Q1 FY27 analysis

MarginsQ1 FY27 call

Flat

See what Regency Fincorp said on margins — free account, 30 seconds.

Full Q1 FY27 analysis

CapexQ1 FY27 call

Planned
  • Regency Fincorp plans to raise equity through preferential shares to strengthen its balance sheet and support future capital raising.
  • The company is focused on scaling sustainably with technology and digital capabilities, indicating ongoing investment in digital infrastructure.
  • They have obtained approval for a Prepaid Payment Instrument (PPI) license, with plans to operationalize it in 3-5 months, enhancing payment and customer data access capabilities.
  • Future growth involves a mix of internal accruals, promoters’ equity infusion, and external equity participation, especially to maintain leverage between 3.5x to 4x.
Full Q1 FY27 analysis

FundraisingQ1 FY27 call

Planned

See what Regency Fincorp said on fundraising — free account, 30 seconds.

Full Q1 FY27 analysis

Order bookQ1 FY27 call

Ask what Regency Fincorp said on the order book →

Full Q1 FY27 analysis
Full Finance ranking

Ranges are what management guided for revenue growth and margins on the latest earnings call. Not investment advice, and not a forecast of returns.

Potential multibaggers · Q2 FY27

Potential multibaggers in Finance
on management's own guidance

  1. Strong growth
    2
  2. Strong growth
    1
  3. Strong growth
    3
See all potential multibaggersWhere does Regency Fincorp rank?

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Ranks describe management commentary on revenue and margin from the latest earnings call. Not investment advice.

Peers

Finance companies ranked on guidance

#CompanyRevenue guidedMargin guidedMarket capP/E
140%+Up 2%+₹2,632 Cr69.0
240%+Up 2%+₹458 Cr23.7
340%+Up 0–2%₹877 Cr29.8
440%+Flat₹40,658 Cr37.4
540%+Flat₹16,070 Cr70.5
640%+Flat₹13,546 Cr—

Sign up free to see every company in the sector ranking and track Regency Fincorp.

Pro shows every company guiding 40%+ revenue growth →Full Finance ranking

Regency Fincorp announcements

All announcements →

Financials of Regency Fincorp

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Shareholder Pattern

Regency Fincorp

Shareholding breakup across reporting periods.

Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters +23.17%23.19%23.19%22.90%23.43%23.13%17.46%16.86%17.58%23.74%23.74%21.43%
DIIs +0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.98%1.19%1.19%1.07%
Public +76.84%76.83%76.81%77.11%76.57%76.88%82.53%83.15%81.44%75.07%75.07%77.51%
No. of Shareholders3,7513,8904,4214,6786,5596,4636,3866,1956,4346,1035,7715,631

Financials of Regency Fincorp

Quarterly Results

Quarter-by-quarter operating performance

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Sales +3.403.964.083.843.494.015.167.307.767.808.6310.2816.14
Expenses +0.620.910.791.041.001.301.272.672.422.241.844.182.73
Operating Profit2.783.053.292.802.492.713.894.635.345.566.796.1013.41
OPM %81.76%77.02%80.64%72.92%71.35%67.58%75.39%63.42%68.81%71.28%78.68%59.34%83.09%
Other Income +0.020.120.110.210.160.200.231.111.581.750.521.741.29
Interest2.272.402.441.861.751.662.572.022.282.552.512.945.07
Depreciation0.160.210.250.230.170.170.170.220.240.220.210.200.24
Profit before tax0.370.560.710.920.731.081.383.504.404.544.594.709.39
Tax %27.03%26.79%25.35%18.48%26.03%25.93%25.36%26.29%28.18%26.87%25.93%24.68%25.13%
Net Profit +0.270.420.530.750.540.801.032.593.163.323.403.537.03
EPS in Rs0.250.120.150.200.120.180.210.410.450.480.420.440.79

Financials of Regency Fincorp

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Sales +010124551416213943
Expenses +000011222361011
Operating Profit000013341113162932
OPM %12%91%71%67%62%72%61%71%82%82%73%75%74%
Other Income +000000-000-0-005
Interest000012239981013
Depreciation0000000001111
Profit before tax000001111371823
Tax %0%22%30%26%27%30%30%24%28%23%26%26%
Net Profit +000000011251317
EPS in Rs0.010.320.180.190.240.230.260.510.860.520.781.672.13
Dividend Payout %0%0%0%0%10%0%0%0%0%0%0%0%

Financials of Regency Fincorp

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital3333444511386480
Reserves-000235573125880
Borrowings +0005192728779095105156
Other Liabilities +0003012232313
Total Liabilities3331326373991106147229329
Fixed Assets +000011223666
CWIP000000000000
Investments000000110031
Other Assets +3331325353688103141220321
Total Assets3331326373991106147229329

Financials of Regency Fincorp

Cash Flows

Operating, investing and financing cash movement

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +-3101212012101128
Cash from Investing Activity +3-00-0-1-0-1-1-15-29-48-88
Cash from Financing Activity +00-11-31-214316866
Net Cash Flow0002-11-11112316
Free Cash Flow-31012-01-01161126
CFO/EBITDA Share of operating profit converting into cash: CFO (before tax) / Operating Profit-26,600%108%69%228%181%21%51%5%110%82%84%111%

Financials of Regency Fincorp

Ratios

Working capital efficiency and return ratios

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Debtor Days12,50100000000000
Inventory Days
Days Payable
Cash Conversion Cycle12,50100000000000
Working Capital Days12,0911,7292,2881,061216-60-13-34725-42
ROCE %0%17%10%6%8%8%8%6%11%10%8%11%

Guidance history

How Regency Fincorp's guidance has moved, call by call

CallRevenueMarginsCapexFundraisingOrder book
Q1 FY27 call →20–40%FlatPlannedPlanned—
Q4 FY26 call →40%+FlatPlannedPlannedRising

What management guided on each call, newest first. Not investment advice, and not a forecast of returns.

93out of 100

Momentum score · price trend

93 out of 100 — Strengthening

Over the past year its share price has done better than most of the stocks we track.

PeriodShare price changeBetter than … of 1,910 stocks
Last 12 months+61.8%88%
Last 6 months+89.6%96%
Last 3 months+53.4%98%
How we calculate it

“Better than 30%” means that over that period the share price did better than 30 out of every 100 stocks we track (1,910 Indian companies worth ₹500 Cr or more, with at least a year of prices).

The score weighs the longer periods more: 40% × 12-month + 40% × 6-month + 20% × 3-month. For Regency Fincorp: 0.4 × 88 + 0.4 × 96 + 0.2 × 98 = 93.

Strengthening is 70 and above, Steady 40 to 70, Cooling below 40. Scores are recalculated every night after the market closes.

Full methodology →

This describes only how the share price has moved up to 2 Nov 2026, compared with other stocks. It says nothing about the business, and it is not a prediction, a price target or a recommendation to buy or sell.

Continue your research

What Regency Fincorp's management said in earlier quarters

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