| Management target | Revenue 91.5% FY27 |
|---|
| Revenue growth | 86.5% YoY growth in Q1 FY27. |
|---|---|
| Margins | NIM improved to 3.7% (+190 bps YoY). |
| Demand visibility | Strong MSME credit demand; India's credit gap remains ₹18.3 lakh crore. |
| Management confidence | High; confident in scaling business responsibly and creating long-term value. |
Growth
Total income rose 86.5% YoY to ₹17.4 Cr; Disbursements surged 224.5% YoY to ₹90.0 Cr.
Outlook
Targeting ₹500 Cr AUM for FY27 and ₹3,000 Cr+ by FY30 with focus on digital lending and geographic expansion.
Risks
Asset quality shows slight deterioration with GNPA at 0.98% vs 0.42% in FY25; debt/equity increased to 1.18x.
Last quarter's promises, checked
Delivered
- Guided AUM growth → AUM grew 89.8% YoY to ₹345.2 Cr (= BEAT)
- Guided focus on secured MSME → Secured book grew ~5X YoY to ₹230.1 Cr (= BEAT)
- Guided launch of digital platform → Launched 'Cash My Salary' platform (= BEAT)
Partly delivered
- Guided FY27 AUM target ₹500 Cr → Reached ₹345.2 Cr in Q1 (= PARTIAL)
Missed
- Guided cost of funds 11-12% → Current debt/equity increased to 1.18x with rising interest costs (= MISS)
- Guided asset quality maintenance → GNPA rose to 0.98% from 0.42% (= MISS)
Earnings Call filed with BSE, NSE: REGENCY. Summary written with AI assistance from the document.
Regency Fincorp Ltd: key numbers
- Share price
- ₹45.17
- Market cap
- ₹332.2 Cr
- Revenue (annual)
- ₹34.46 Cr
- Net profit (annual)
- ₹13.42 Cr
- P/E (TTM)
- 19.2×Sector 22.0×
- Promoter holding
- 21.43%-2.31% QoQ
- FII holding
- 0.00%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Regency Fincorp Ltd
All →Regency Fincorp Debt & Borrowing
Regency Fincorp Limited has received listing approval from BSE for its privately placed Non-Convertible Debentures on the Debt Market Segment.
Regency Fincorp Debt & Borrowing: ₹1.89 Cr
Regency Fincorp paid Rs.1.89 Crore as interest on its non-convertible debentures for the period ending September 2026.
- Value
- ₹1.89 Cr
Regency Fincorp Debt & Borrowing: ₹10 Cr
Regency Fincorp Ltd redeemed Rs. 10.00 Crore of its debt securities via partial face value redemption. This disclosure confirms the payment status.
- Value
- ₹10.00 Cr
Regency Fincorp Debt & Borrowing: ₹0.48 Cr
Regency Fincorp paid interest on its rated secured NCDs, though a minor payment discrepancy occurred due to banking detail mismatches for two holders.
- Value
- ₹0.48 Cr
Regency Fincorp Debt & Borrowing: ₹3.5 Cr
Regency Fincorp Ltd board approved the issuance of 350 secured, listed, non-convertible debentures aggregating to ₹3.50 Crore on a private placement basis.
- Value
- ₹3.50 Cr
- Execution
- 18 months
Regency Fincorp Debt & Borrowing: ₹50 Cr
Regency Fincorp allotted 50,000 NCDs totaling ₹50 Crore to three investors via private placement. The 12% secured NCDs carry a 15-month tenor maturing December 2027.
- Value
- ₹50.00 Cr