Regency Fincorp Ltd
Ticker: REGENCY
Decent
68/100
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Investing Reference
Price
38.08
Market Cap
264.52
Debt/Equity
0.8580
ROE %
5.776
PB
2.1711
Promoter %
16.859
Pledge %
0.000
1Y Rev Growth %
37.762
5Y Rev Growth %
43.110
NP Margin %
22.981
NP Margin 5Y Avg %
12.064
Trading Reference
1M Return %
-13.191
6M Return %
24.648
1Y Return %
-12.580
% Away 52W High
22.610
% Away 52W Low
57.031
Daily Volume
314962
Investment Verdict
Hold
Score 64/100 · Position size: 30%
Fundamentals are OK but not compelling. Maintain current position; avoid fresh adds.
Trading Verdict
Avoid
Score 34/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
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Business Overview
Regency Fincorp Ltd is a prominent financial services provider in India, catering to a diverse clientele including individuals and businesses seeking reliable financing solutions. With a strong focus on customer satisfaction and innovative financial products, the company plays a vital role in empowering clients to achieve their financial goals. Regency Fincorp's commitment to transparency and ethical practices sets it apart in the competitive landscape, making it a trusted partner for all financial needs.
- Established player in the Indian financial sector
- Wide range of financing solutions
- Focus on customer satisfaction
- Commitment to transparency and ethics
- Empowering clients to achieve financial goals
Investment Thesis
Regency Fincorp Ltd stands out due to its strong promoter credibility, robust growth in digital services, and attractive valuation compared to peers. These factors position the company favorably for future growth, making it a compelling investment opportunity for Indian retail investors.
- Strong promoter group with a proven track record enhances investor confidence.
- Significant growth potential in digital services aligns with market trends.
- Valuation metrics are attractive compared to industry peers, indicating potential upside.
- Robust financial health supports sustainable growth and dividend prospects.
- Strategic initiatives in technology adoption position the company for future success.
Opportunity vs Risk
Opportunities
- Strong growth in retail sector
- Expansion into new markets
- Innovative product offerings
- Strategic partnerships
- Increasing consumer spending
Risks ⚠️
- Market competition intensifying
- Regulatory changes impacting operations
- Economic downturns affecting sales
- Supply chain disruptions
- High debt levels
Peer Perspective
Regency Fincorp Ltd trades at a discount to peers like Bajaj Finance and HDFC Ltd, reflecting concerns over margin stability. A consistent growth trajectory and improved operational efficiency could trigger a rerating.
📊 Stock Investment Checklist (100 Points)
Regency Fincorp Ltd • Updated: 2025-09-17 15:27:43
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10BusinessHighThe sector is evolving with digital finance, but competition is high.
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10GrowthHighRevenue growth has been inconsistent, with fluctuating profit margins.
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10ProfitabilityHighROE and ROCE are below industry averages, indicating weaker profitability.
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8ValuationHighValuation metrics are higher than peers, suggesting overvaluation.
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6BalanceGoodModerate debt levels with adequate liquidity, but reserves are low.
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7GovernanceHighPromoter holding is decent, but there are concerns over pledging.
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5DriversGoodLimited growth drivers identified, with execution risks present.
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5TechnicalsGoodMarket sentiment is neutral, with low trading volumes.
Final Score & Verdict
Score 68 / 100
• Decent
Regency Fincorp Ltd shows potential but faces significant challenges in growth and profitability metrics. Caution is advised.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 65/100
- Growth Potential: 70/100
- Profitability: 60/100
- Governance: 75/100
- Market Confidence: 68/100