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REGENCY TRUST LTD. (REGTRUS) fair value: what the stock is really worth
As of Sep 25, 2026: fair value of REGENCY TRUST LTD. ₹0.51, price ₹3.46, upside -85.3%, quality 50 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? No
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Thin data
Sep 27, 2026
REGENCY TRUST LTD.
REGTRUS · BSEWeakest SetupStrongly overvalued and low quality.
!Fair value ₹0.5100 · Strongly overvalued (−85.3%)
!Quality 50/100
!Mixed Growth (revenue 5y +14.7 %/yr)
!Thin margins · 3.2% net margin (FY2024)
!Negative equity (buybacks among others) · negative free cash flow
!Trails peers (0/6)
!Narrow moat 40/100
!Evidence only low, so the estimate is less certain
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What runs behind every stock
26
valuation models
8 families, DCF to NCAV
37
quality factors
margins, balance sheet, cashflow, debt
6
AI factors
moat, what no ratio measures
2,000+
data points
verified, per stock, median
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 27, 2026.
How to read this chart
60‑month range ₹1.21 – ₹6.68 · fair‑value band ₹0.3800 – ₹0.6400 · the ₹3.46 price screens above the ₹0.5100 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 27, 2026.
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Stock analysis
REGENCY TRUST LTD. (REGTRUS) currently trades at ₹3.46, while our model-based Fair Value estimate is ₹0.5100, 85.3% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Earnings-Based group reads highest at a median of ₹0.5400 per share, and 0 of the 3 models we run sit above the ₹3.46 price.
Bear case: the Multiples group reads lowest at ₹0.4800, and 3 of the 3 models stay below the price. Evidence for this calculation is low.
Scenario range: ₹0.3800 (bear) to ₹0.6400 (bull), the price of ₹3.46 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 50/100 (below-average quality), in the Financials sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
REGENCY TRUST LTD. reported revenue of ₹12.3M in FY2024 versus ₹9.3M in FY2020, a compound +7.4%/yr. Reported net income was ₹394K in FY2024, compounding +97.5%/yr from FY2020.
Key figures
Market cap ₹34.6M (≈ $359K) · Net margin 3.2% · Return on assets (EBIT) −25.1% · Free cash flow −₹267K · Net debt ₹10.1M.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 37 out of 100 (medium confidence).
What moves the price
The share trades about 41% below its 52-week high and 26% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financials peers we cover trades at 6% fair-value upside, at −85%, REGTRUS screens richer than that median.
Fair Value models
Bear ₹0.3800
Fair Value ₹0.5100
Bull ₹0.6400
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.
Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.
Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Graham-Dodd
₹0.2500
₹1.37
₹1.90
63
P/E Multiple
₹0.3600
₹0.4800
₹0.6000
63
Lynch FV
₹0.3800
₹0.5400
₹0.7000
61
All 3 models by family
Earnings-Based
Graham-Dodd
₹0.2500
₹1.37
₹1.90
63
Lynch FV
₹0.3800
₹0.5400
₹0.7000
61
Multiples
P/E Multiple
₹0.3600
₹0.4800
₹0.6000
63
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Set up alert →Quality Score breakdown
Overall quality
50/100
Of which business quality 43 · Market factors (momentum, volatility) 31
Profitability
63
Margins and returns on capital today
Quality Growth
20
Are margins and returns improving?
Cashflow
39
Earnings quality: real cash, not paper profit
Fin. Strength
3
Balance sheet, leverage, solvency risk
Investment
67
Disciplined investing over empire-building
Low Volatility
48
Calm price path (market factor)
Momentum
29
Price trend over the last 3–12 months (market factor)
52W Momentum
14
Distance to the 52-week high (market factor)
Net Issuance
82
Share count: buybacks or dilution?
Revenue & earnings trend
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.
44/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−6.1%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+37.3%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+14.7%
’19
’20
’21
’22
’23
’24
What shareholders gained per year (last 5 years), in INR ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in INR: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+72.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year+72.3%
Dividend (yield on the price)0.0%
Profit margin 2019 to 2024 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.10% → 5%
REGTRUS screens overvalued: fair value 85% below the price. Compare with Banas Finance Limited →
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Peer GroupⓘHow this stock ranks against its sector: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median. (Industry “Diversified Financial Services” was too small, so the broader sector is used.)Financials · 3139 stocks
Beats the sector median on 0/6 measures
Overall it trails its sector peers.
Valuation Multiplesvs Financials median · lower = cheaper
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: Indian Stocks
- Valuation of the India market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
None of the checked exposures detected
Similar stocks
10 more Diversified Financial Services stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Banas Finance Limited 509053 | ₹7.00 | ₹14.00 | +100% |
| HARYNACAP HARYNACAP | ₹144.00 | ₹288.00 | +100% |
| Mukesh Babu Financial Services Limited 530341 | ₹130.50 | ₹96.81 | −26% |
| JINDCAP JINDCAP | ₹35.00 | ₹14.40 | −59% |
| MEHIF MEHIF | ₹27.50 | ₹29.06 | +6% |
| RAJPUTANA RAJPUTANA | ₹29.00 | ₹23.86 | −18% |
| SHIVA SHIVA | ₹11.73 | ₹8.89 | −24% |
| LEADFIN LEADFIN | ₹15.50 | ₹11.35 | −27% |
| CONFINT CONFINT | ₹8.22 | ₹16.44 | +100% |
| Federal Home Loan Mortgage Corporation FMCKK | $10.78 | $21.56 | +100% |
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Frequently asked questions
Is REGENCY TRUST LTD. (REGTRUS) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of ₹0.5100 versus the last price from Sep 25, 2026 of ₹3.46, about −85% upside (overvalued).
What is the fair value of REGTRUS?
Our model-based fair value for REGENCY TRUST LTD. is ₹0.5100 (as of Sep 27, 2026), built from audited fundamentals. Last price (from Sep 25, 2026): ₹3.46.
What is the quality score of REGTRUS?
REGENCY TRUST LTD. has a Quality Score of 50/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for REGENCY TRUST LTD. (REGTRUS)?
Our model-based price target is the fair value of ₹0.5100 (as of Sep 27, 2026) from 3 valuation models. Cautious scenario ₹0.3800, optimistic scenario ₹0.6400. It is a calculation from audited fundamentals, not an analyst target.
What is the REGENCY TRUST LTD. stock forecast for 2026?
Our models put fair value at ₹0.5100, about −85% upside versus the last price from Sep 25, 2026 of ₹3.46 (overvalued). Cautious scenario ₹0.3800, optimistic scenario ₹0.6400. The calculation is refreshed regularly with new filings.
What is the intrinsic value of REGENCY TRUST LTD. (REGTRUS)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For REGENCY TRUST LTD. it is ₹0.5100 per share (as of Sep 27, 2026), against a price of ₹3.46. It is the blended result of 3 valuation models (cash flow, earnings, asset, dividend).
Is REGENCY TRUST LTD. stock overvalued or undervalued in 2026?
As of Sep 27, 2026, REGTRUS trades above its calculated fair value: price ₹3.46, fair value ₹0.5100, a gap of about −85% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of REGTRUS?
No. The price is what the market pays today (₹3.46); the fair value is what the company's own numbers justify (₹0.5100). For REGENCY TRUST LTD. the two are ₹2.95 per share apart. That gap is exactly why we show both numbers side by side.
How much is REGENCY TRUST LTD. worth?
The market values REGENCY TRUST LTD. at about ₹34.6M (market capitalisation, as of Sep 27, 2026). Per share that is ₹3.46; our models calculate a fair value of ₹0.5100 per share.
What do the bullish and bearish scenarios say about REGTRUS?
Our models span a range for REGENCY TRUST LTD.: cautious scenario ₹0.3800, base ₹0.5100, optimistic ₹0.6400 per share (as of Sep 27, 2026, price ₹3.46). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of REGENCY TRUST LTD. (REGTRUS)?
Balance-sheet figures for REGENCY TRUST LTD. (as of Sep 27, 2026): negative equity, so no return on equity and no debt-to-equity ratio. They feed the Quality Score of 50/100, which measures business quality independently of the share price.
How far is REGTRUS from its 52-week high?
REGENCY TRUST LTD. trades at ₹3.46, about 41% below its 52-week high of ₹5.89 and 26% above the low of ₹2.75 (as of Sep 25, 2026). Distance from the high says nothing about value: that is what the fair value of ₹0.5100 is for.
Which stocks are comparable to REGENCY TRUST LTD.?
From the same area (Financials) we also value Banas Finance Limited, HARYNACAP, Mukesh Babu Financial Services Limited, JINDCAP, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is REGENCY TRUST LTD. stock attractive at the current price?
The data as of Sep 27, 2026: price ₹3.46, calculated fair value ₹0.5100 (−85%), Quality Score 50/100, from 3 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of REGTRUS calculated?
We run REGENCY TRUST LTD. through 3 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of ₹0.5100, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. REGENCY TRUST LTD. itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of REGENCY TRUST LTD. (REGTRUS)?
The latest price we hold is from Sep 25, 2026 and stands at ₹3.46. Our model-based fair value is ₹0.5100, about −85% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with REGENCY TRUST LTD. right now?
The price sits above even our optimistic bull case (₹0.6400). The favourable scenario is already priced in. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid but not exceptional quality (50/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of REGENCY TRUST LTD.
How large is the market capitalisation of REGENCY TRUST LTD. (REGTRUS)?
The market capitalisation of REGENCY TRUST LTD. is ₹34.6M (≈ $359K). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the net margin of REGENCY TRUST LTD. (REGTRUS)?
The net margin of REGENCY TRUST LTD. is 3.2% (fiscal year 2024). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the EBIT return on assets of REGENCY TRUST LTD. (REGTRUS)?
On an EBIT basis the return on assets of REGENCY TRUST LTD. is −25.1% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
How much free cash flow does REGENCY TRUST LTD. (REGTRUS) generate?
The free cash flow of REGENCY TRUST LTD. is −₹267K (fiscal year 2024). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does REGENCY TRUST LTD. (REGTRUS) carry?
The net debt of REGENCY TRUST LTD. is ₹10.1M (fiscal year 2024). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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