Regency Fincorp Intrinsic Value
Regency Fincorp (REGENCY) median intrinsic value is ₹21.09 from 9 valuation models (range ₹8–₹28), vs current price ₹27.96 — -24.6% downside (Trading Above Calculated Value), margin of safety -32.6%. For current market price and key ratios, visit REGENCY share price.
REGENCY Valuation Methods Summary — DCF, Graham Number & P/E
Regency Fincorp intrinsic value across 9 models vs current price ₹27.96 — upside/downside and value range per method. Browse Regency Fincorp financial data for revenue, profit, balance sheet and cash flow data.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹21.60 | ₹17.28 - ₹25.92 | -22.7% | EPS: ₹1.80, Sector P/E: 12x |
| Book Value Method | asset | ₹15.25 | ₹13.72 - ₹16.78 | -45.5% | Book Value/Share: ₹19.06, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹8.39 | ₹7.55 - ₹9.23 | -70.0% | Revenue/Share: ₹5.62, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹21.09 | ₹18.98 - ₹23.20 | -24.6% | EBITDA: ₹27.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹23.35 | ₹18.68 - ₹28.02 | -16.5% | CF Growth: 15.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹10.74 | ₹9.67 - ₹11.81 | -61.6% | EPS Growth: 7.5%, Fair P/E: 6.0x |
| Growth Adjusted P/E | growth | ₹15.48 | ₹13.93 - ₹17.03 | -44.6% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| ROE Based Valuation | profitability | ₹24.38 | ₹21.94 - ₹26.82 | -12.8% | ROE: 10.7%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹27.79 | ₹25.01 - ₹30.57 | -0.6% | EPS: ₹1.80, BVPS: ₹19.06 |
REGENCY Intrinsic Value vs Market Price — All Valuation Models
Regency Fincorp fair value range ₹8–₹28 vs current market price ₹27.96 across 9 valuation models. Compare with REGENCY fair price to assess whether the stock is under or overvalued.
REGENCY Intrinsic Value Analysis — Undervalued or Overvalued?
Regency Fincorp median intrinsic value ₹21.09, current price ₹27.96 — Trading Above Calculated Value by 24.6%, margin of safety -32.6%.
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 ₹21.09 (median value). With the current market price of ₹27.96, this represents a -24.6% variance from our estimated fair value.
The valuation range spans from ₹8.39 to ₹27.79, indicating ₹8.39 - ₹27.79.
Is REGENCY undervalued or overvalued?
Based on our multi-method analysis, Regency Fincorp (REGENCY) appears to be trading above calculated value by approximately 24.6%.
REGENCY Financial Health — Key Ratios vs Industry Benchmarks
Regency Fincorp financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| 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 |
| Return on Equity | 10.7% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | 71.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.16x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
REGENCY Cash Flow Quality — Operating & Free Cash Flow
Regency Fincorp operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| 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 |