Regency Fincorp Intrinsic Value
Regency Fincorp (REGENCY) median intrinsic value is ₹21.12 from 9 valuation models (range ₹13–₹30), vs current price ₹42.69 — -50.5% downside (Trading Above Calculated Value), margin of safety -100.0%. For current market price and key ratios, visit Regency Fincorp stock price NSE.
REGENCY Valuation Methods Summary — DCF, Graham Number & P/E
Regency Fincorp intrinsic value across 9 models vs current price ₹42.69 — upside/downside and value range per method. Analyse REGENCY promoter holding to track promoter, FII and institutional holdings.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹21.12 | ₹16.90 - ₹25.34 | -50.5% | EPS: ₹1.76, Sector P/E: 12x |
| Book Value Method | asset | ₹15.25 | ₹13.72 - ₹16.78 | -64.3% | Book Value/Share: ₹19.06, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹12.81 | ₹11.53 - ₹14.09 | -70.0% | Revenue/Share: ₹7.50, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹25.00 | ₹22.50 - ₹27.50 | -41.4% | EBITDA: ₹32.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹23.35 | ₹18.68 - ₹28.02 | -45.3% | CF Growth: 15.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹12.81 | ₹11.53 - ₹14.09 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹14.50 | ₹13.05 - ₹15.95 | -66.0% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹30.00 | ₹27.00 - ₹33.00 | -29.7% | ROE: 13.1%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹27.47 | ₹24.72 - ₹30.22 | -35.7% | EPS: ₹1.76, BVPS: ₹19.06 |
REGENCY Intrinsic Value vs Market Price — All Valuation Models
Regency Fincorp fair value range ₹13–₹30 vs current market price ₹42.69 across 9 valuation models. Read REGENCY dividend track record for the complete payout history and dividend yield track record.
REGENCY Intrinsic Value Analysis — Undervalued or Overvalued?
Regency Fincorp median intrinsic value ₹21.12, current price ₹42.69 — Trading Above Calculated Value by 50.5%, margin of safety -100.0%.
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 ₹21.12 (median value). With the current market price of ₹42.69, this represents a -50.5% variance from our estimated fair value.
The valuation range spans from ₹12.81 to ₹30.00, indicating ₹12.81 - ₹30.00.
Is REGENCY undervalued or overvalued?
Based on our multi-method analysis, Regency Fincorp (REGENCY) appears to be trading above calculated value by approximately 50.5%.
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 | 13.1% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | 59.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.21x | 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 |