Regency Fincorp Intrinsic Value
REGENCY Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹18.00 | ₹14.40 - ₹21.60 | -44.7% | EPS: ₹1.50, Sector P/E: 12x |
| Book Value Method | asset | ₹15.25 | ₹13.72 - ₹16.78 | -53.1% | Book Value/Share: ₹19.06, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹9.76 | ₹8.78 - ₹10.74 | -70.0% | Revenue/Share: ₹5.16, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹16.34 | ₹14.71 - ₹17.97 | -49.8% | EBITDA: ₹24.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹23.35 | ₹18.68 - ₹28.02 | -28.2% | CF Growth: 15.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹9.76 | ₹8.78 - ₹10.74 | -70.0% | EPS Growth: 2.7%, Fair P/E: 2.1x |
| Growth Adjusted P/E | growth | ₹12.90 | ₹11.61 - ₹14.19 | -60.3% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| ROE Based Valuation | profitability | ₹16.27 | ₹14.64 - ₹17.90 | -50.0% | ROE: 8.2%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹25.36 | ₹22.82 - ₹27.90 | -22.0% | EPS: ₹1.50, BVPS: ₹19.06 |
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Valuation Comparison Chart
REGENCY Intrinsic Value Analysis
What is the intrinsic value of REGENCY?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of Regency Fincorp (REGENCY) is ₹16.27 (median value). With the current market price of ₹32.53, this represents a -50.0% variance from our estimated fair value.
The valuation range spans from ₹9.76 to ₹25.36, indicating ₹9.76 - ₹25.36.
Is REGENCY undervalued or overvalued?
Based on our multi-method analysis, Regency Fincorp (REGENCY) appears to be trading above calculated value by approximately 50.0%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 1.02 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Debt to Equity Ratio | 1.88 | Industry Standard: <0.5 | Above 1.0 | Indicates financial leverage level |
| Return on Equity | 8.2% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 70.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.14x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for Regency Fincorp
Additional stock information and data for REGENCY
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2025 | ₹11 Cr | ₹-13 Cr | Positive Operating Cash Flow | 6/10 |
| March 2024 | ₹10 Cr | ₹-5 Cr | Positive Operating Cash Flow | 6/10 |
| March 2023 | ₹12 Cr | ₹5 Cr | Positive Free Cash Flow | 7/10 |
| March 2022 | ₹0 Cr | ₹-1 Cr | Negative Cash Flow | 3/10 |
| March 2021 | ₹2 Cr | ₹2 Cr | Positive Free Cash Flow | 8/10 |