Regency Fincorp Limited (REGENCY.BO) Valuation

Valuation

Model-based estimates, not advice. The DCF is the discounted-cash-flow value per share; compare it with the price, not as a target.

DCF fair value

-385.3%

-₹185.47

vs ₹65.00 price

Levered DCF

₹251.90

After debt service

Piotroski score

4 / 9

Average

Altman Z-score

0.84

Distress zone

Rating

Overall 3 / 5

Ratios by fiscal year

Margins and yields are shares of revenue, equity or price; multiples are ×.

Metric	FY2026	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019
P/E	14.48×	26.91×	23.04×	9.07×	15.65×	22.82×	74.88×	51.22×
P/B	1.38×	1.1×	0.9×	0.62×	0.69×	1.01×	2.85×	2.91×
P/S	6.4×	6.72×	6.62×	0.63×	1.62×	1.84×	15.46×	8.98×
EV / EBITDA	25.23×	40.32×	38.89×	59.33×	82.76×	51.39×	73.87×	72.53×
Gross margin	51.1%	37.3%	74.8%	30.7%	30.8%	34.3%	100.0%	48.1%
Operating margin	40.8%	26.0%	74.7%	9.2%	15.9%	9.7%	63.7%	33.3%
Net margin	38.9%	24.9%	28.7%	6.9%	10.3%	8.1%	22.6%	17.4%
Current ratio	572.28×	550.69×	0.37×	0.06×	60.05×	15.47×	0.11×	45.47×
Debt / equity	0.97×	0.86×	1.87×	6.57×	6.02×	2.93×	3.03×	3.01×
Interest coverage	0×	3,052.94×	0×	0×	0×	31.28×	253.19×	197.4×
Dividend yield	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.1%	0.0%
Payout ratio	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	9.9%	0.0%

Key metrics by fiscal year

Metric	FY2026	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019
Return on equity	8.4%	4.1%	3.9%	6.8%	4.3%	4.4%	4.2%	5.7%
Return on invested capital	2.6%	1.4%	2.7%	0.9%	0.7%	0.9%	2.2%	2.0%
Return on assets	4.1%	2.2%	1.3%	0.9%	0.6%	1.1%	1.0%	1.4%
Free cash flow yield	10.6%	6.7%	12.3%	127.2%	-3.8%	6.6%	-0.2%	8.2%
Earnings yield	6.1%	3.7%	4.3%	11.0%	6.3%	4.4%	1.5%	1.9%
Enterprise value	₹3.8B	₹2.4B	₹1.4B	₹979.5M	₹841.2M	₹367.1M	₹513M	₹366.6M
Net debt / EBITDA	10.44×	17.65×	25.94×	54.22×	74.18×	38.03×	36.73×	35.67×
Cash conversion cycle (days)	1,646	3,112	6,667	2,673	5,710	2,327	-13	-33