BSE:540175

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Executive Summary

Regency Investments Limited operates as a non-banking financial company in India.


Snowflake Analysis

Acceptable track record with worrying balance sheet.

Share Price & News

How has Regency Investments's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: 540175's share price has been volatile over the past 3 months.


Market Performance


7 Day Return

-4.7%

540175

-1.4%

IN Consumer Finance

-0.3%

IN Market


1 Year Return

-43.9%

540175

-2.6%

IN Consumer Finance

2.0%

IN Market

Return vs Industry: 540175 underperformed the Indian Consumer Finance industry which returned -1.8% over the past year.

Return vs Market: 540175 underperformed the Indian Market which returned 1.6% over the past year.


Shareholder returns

540175IndustryMarket
7 Day-4.7%-1.4%-0.3%
30 Day-23.9%7.0%3.8%
90 Day-41.7%36.4%19.7%
1 Year-43.7%-43.9%0.08%-2.6%3.9%2.0%
3 Year-45.7%-45.9%35.1%27.0%-0.6%-5.3%
5 Yearn/a170.9%147.1%27.0%17.4%

Price Volatility Vs. Market

How volatile is Regency Investments's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Regency Investments undervalued compared to its fair value and its price relative to the market?

18.94x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: Insufficient data to calculate 540175's fair value to establish if it is undervalued.

Significantly Below Fair Value: Insufficient data to calculate 540175's fair value to establish if it is undervalued.


Price To Earnings Ratio

PE vs Industry: 540175 is poor value based on its PE Ratio (18.9x) compared to the IN Consumer Finance industry average (11.1x).

PE vs Market: 540175 is poor value based on its PE Ratio (18.9x) compared to the Indian market (13.2x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate 540175's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: 540175 is overvalued based on its PB Ratio (0.7x) compared to the IN Consumer Finance industry average (0.5x).


Next Steps

Future Growth

How is Regency Investments forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

31.4%

Forecasted Diversified Financials industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Regency Investments has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

Past Performance

How has Regency Investments performed over the past 5 years?

21.2%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: 540175 has high quality earnings.

Growing Profit Margin: 540175's current net profit margins (10.4%) are lower than last year (16.5%).


Past Earnings Growth Analysis

Earnings Trend: 540175's earnings have grown significantly by 21.2% per year over the past 5 years.

Accelerating Growth: 540175's earnings growth over the past year (4.3%) is below its 5-year average (21.2% per year).

Earnings vs Industry: 540175 earnings growth over the past year (4.3%) exceeded the Consumer Finance industry -2.8%.


Return on Equity

High ROE: 540175's Return on Equity (4.2%) is considered low.


Next Steps

Financial Health

How is Regency Investments's financial position?


Financial Position Analysis

Short Term Liabilities: 540175's short term assets (₹33.3M) exceed its short term liabilities (₹12.4M).

Long Term Liabilities: 540175's short term assets (₹33.3M) do not cover its long term liabilities (₹268.0M).


Debt to Equity History and Analysis

Debt Level: 540175's debt to equity ratio (303.1%) is considered high.

Reducing Debt: Insufficient data to determine if 540175's debt to equity ratio has reduced over the past 5 years.

Debt Coverage: 540175's debt is not well covered by operating cash flow (4.3%).

Interest Coverage: 540175's interest payments on its debt are not well covered by EBIT (1.3x coverage).


Balance Sheet


Next Steps

Dividend

What is Regency Investments's current dividend yield, its reliability and sustainability?

0.64%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: 540175's dividend (0.64%) isn’t notable compared to the bottom 25% of dividend payers in the Indian market (0.66%).

High Dividend: 540175's dividend (0.64%) is low compared to the top 25% of dividend payers in the Indian market (2.76%).


Stability and Growth of Payments

Stable Dividend: Too early to tell whether 540175's dividend payments have been stable as they only just started paying a dividend.

Growing Dividend: Too early to tell if 540175's dividend payments are increasing as they only just started paying a dividend.


Current Payout to Shareholders

Dividend Coverage: With its low payout ratio (12%), 540175's dividend payments are thoroughly covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

0.5yrs

Average management tenure


CEO

Gaurav Abrol (43 yo)

2.92yrs

Tenure

₹625,000

Compensation

Mr. Gaurav Kumar Abrol serves as Promoter Managing Director and Chief Executive Officer at Regency Investments Limited. He serves as Director at Regency Investments Limited since September 13, 2017 and ser ...


CEO Compensation Analysis

Compensation vs Market: Gaurav's total compensation ($USD8.31K) is below average for companies of similar size in the Indian market ($USD49.43K).

Compensation vs Earnings: Gaurav's compensation has increased by more than 20% in the past year.


Leadership Team

NamePositionTenureCompensationOwnership
Gaurav Abrol
Promoter MD2.92yrs₹625.00k9.67%
₹ 5.4m
Neha Abrol
Whole-Time Director2.25yrs₹564.30k1.01%
₹ 567.5k
Vishal Sarin
Chief Financial Officer0.083yrno datano data
Rahul Verma
Company Secretary0.58yrno datano data

0.5yrs

Average Tenure

Experienced Management: 540175's management team is not considered experienced ( 0.5 years average tenure), which suggests a new team.


Board Members

NamePositionTenureCompensationOwnership
Gaurav Abrol
Promoter MD2.92yrs₹625.00k9.67%
₹ 5.4m
Neha Abrol
Whole-Time Director2.25yrs₹564.30k1.01%
₹ 567.5k
Rahul Verma
Company Secretary0.58yrno datano data
Rashu Sarin
Non Executive Independent Director3yrs₹145.00k1.62%
₹ 907.6k
Pratik Jalan
Independent Director1.33yrsno datano data
Gurinder Sandhu
Independent Director0.75yrno datano data
Gaurav Goswami
Member of Advisory Board0.67yrno datano data
Ankush Sharma
Member of Advisory Board0.67yrno datano data
Saurabh Tongia
Member of Advisory Board0.67yrno datano data
Jenish Shah
Additional Non-Executive Independent Director0.17yrno datano data
Naveen Parashar
Additional Non-Executive Independent Director0.17yrno datano data

0.7yrs

Average Tenure

42yo

Average Age

Experienced Board: 540175's board of directors are not considered experienced ( 0.7 years average tenure), which suggests a new board.


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 10.5%.


Top Shareholders

Company Information

Regency Investments Limited's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Regency Investments Limited
  • Ticker: 540175
  • Exchange: BSE
  • Founded: 1993
  • Industry: Consumer Finance
  • Sector: Diversified Financials
  • Market Cap: ₹56.149m
  • Shares outstanding: 4.10m
  • Website: https://www.regencyinvestments.co.in

Location

  • Regency Investments Limited
  • T-4/B, Centra Mall
  • 3rd Floor
  • Chandigarh
  • Chandigarh
  • 160001
  • India

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
540175BSE (Mumbai Stock Exchange)YesEquity SharesININRNov 2016

Biography

Regency Investments Limited operates as a non-banking financial company in India. The company offers micro business/personal loans, education loans, merchant financing, and gold loans, as well as loans aga ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/08/04 13:01
End of Day Share Price2020/08/04 00:00
Earnings2020/03/31
Annual Earnings2020/03/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.