ALFA Finder| 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
- ₹65.50
- Market cap
- ₹481.8 Cr
- Revenue (annual)
- ₹34.46 Cr
- Net profit (annual)
- ₹13.42 Cr
- P/E (TTM)
- 21.0×Sector 20.8×
- Promoter holding
- 21.44%+0.01% QoQ
- FII holding
- 1.46%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 Employee Stock Options
Regency Fincorp instituted ESOP 2026, granting a pool of 1 crore employee stock options. Each option converts into one equity share at a market-linked exercise price.
- Execution
- Exercise period of up to 10 years from each vesting date
Regency Fincorp Annual General Meeting
Regency Fincorp's EGM approved preferential issues of equity and warrants aggregating about Rs 312 Crore. It also approved an ESOP 2026 scheme and raised authorised capital.
- Value
- ₹312.1 Cr
Regency Fincorp Annual General Meeting
Regency Fincorp held its second EGM on November 11, 2026 via video conferencing. Five resolutions covered authorised capital, preferential issues, warrants and ESOPs, with voting results to follow.
Regency Fincorp Debt & Borrowing: ₹0.66 Cr
Regency Fincorp paid Rs 0.66 Crore interest on Rs 65 Crore secured NCDs on 9 November 2026. One holder's Rs 15,287 was unpaid, lacking an IFSC.
- Value
- ₹0.66 Cr
Regency Fincorp Convertible Warrants
Regency Fincorp received BSE listing approval for 28,12,120 shares issued to non-promoters on warrant conversion. Trading approval awaits depository credit and further exchange filings.
Regency Fincorp Debt & Borrowing: ₹100 Cr
Regency Fincorp corrected its NCD private placement size from 75,000 to 1,00,000 units. The revised aggregate issue amount is ₹100 Crore with a 15-month tenure.
- Value
- ₹100.0 Cr