Regency Fincorp Limited (REGENCY) Fair Value & Analysis
Financial Services · IN · Market cap ₹3.2B
Fair value as of: Jul 5, 2026
From 25 valuation models · updated today
Share price +20.3% over the past month.
Price vs Fair Value (12 months)
12‑month range ₹23.65 – ₹45.68 · fair‑value band ₹16.32 – ₹27.19 · the ₹39.98 price screens above the ₹21.76 fair value. As of Jul 5, 2026.
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Regency Fincorp Limited (REGENCY) currently trades at ₹39.98, while our model-based Fair Value estimate is ₹21.76 — implying the stock looks roughly 45.6% overvalued today. We read business quality at 56/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).
Over the trailing twelve months, Regency Fincorp Limited generated revenue of ₹298M at a net margin of 45.1%. Revenue grew 42.1% year over year. It earns a return on equity of 9.5%. Net debt stands at ₹1.6B. Fundamentals as of Jul 5, 2026
Our scenario range runs from ₹16.32 (bear case) to ₹27.19 (bull case); at ₹39.98, the current price sits above that range. The share trades about 14% below its 52-week high and 76% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -20% fair-value upside — at -46%, REGENCY screens richer than that median.
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 5, 2026. TTM = trailing twelve months.
About the company
Regency Fincorp Limited operates as a non-banking financial company in India. It offers micro business/personal loans, education loans, merchant financing, and gold loans, as well as loans against residential and commercial properties. The company also provides short-term loans for purchasing inventory, business expansion, office furniture, display panels, and office automation, as well as mining equipment's loans for plant and machinery. It serves households, as well as micro, small, and medium enterprises. The company was formerly known as Regency Investments Limited. Regency Fincorp Limited was incorporated in 1993 and is headquartered in Mohali, India.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
Regency Fincorp Limited reported revenue of ₹345M in FY2026 versus ₹53.8M in FY2022, a compound +59.1%/yr. Reported net income was ₹134M in FY2026, compounding −19.6%/yr from FY2022.
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10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Jul 5, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc 3V64 | €287.50 | €226.82 | -21% |
| Mastercard Incorporated MA | C$29.95 | C$17.76 | -41% |
| M4I M4I | €430.50 | €368.29 | -14% |
| American Express Company AXP | C$28.87 | C$24.27 | -16% |
| Capital One Financial Corporation COF | $200.70 | $125.08 | -38% |
| Bajaj Finance Limited BAJFINANCE | ₹884.10 | ₹604.72 | -32% |
| PayPal Holdings PYPL | 720.50 MXN | 1,155 MXN | +60% |
| Synchrony Financial, S1YF34 | R$412.88 | R$211.20 | -49% |
| Shriram Finance Limited SHRIRAMFIN | ₹923.30 | ₹735.80 | -20% |
| Power Finance Corporation PFC | ₹431.30 | ₹616.44 | +43% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.