BSE:540175

Stock Analysis Report

Executive Summary

Regency Investments Limited, a non-banking financial institution, provides financial and investment advisory and consultancy services in India.

Snowflake

Fundamentals

Mediocre balance sheet with questionable track record.

Risks

  • Regency Investments has significant price volatility in the past 3 months.
  • Regency Investments is not covered by any analysts.

Share Price & News

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


Latest Share Price and Events


Market Performance


7 Day Return

18.0%

BSE:540175

-3.6%

IN Consumer Finance

-2.1%

IN Market


1 Year Return

-39.6%

BSE:540175

-3.2%

IN Consumer Finance

-14.7%

IN Market

540175 underperformed the Consumer Finance industry which returned -3.1% over the past year.

540175 underperformed the Market in India which returned -14.6% over the past year.


Share holder returns

540175IndustryMarket
7 Day18.0%-3.6%-2.1%
30 Day10.5%1.9%-3.9%
90 Day16.1%-10.2%-10.1%
1 Year-39.4%-39.6%-2.5%-3.2%-12.9%-14.7%
3 Yearn/a59.3%56.0%17.7%11.5%
5 Yearn/a233.9%218.2%35.4%22.5%

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 based on future cash flows and its price relative to the stock market?

29.08x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Regency Investments's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Regency Investments's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Regency Investments is overvalued based on earnings compared to the IN Consumer Finance industry average.

Regency Investments is overvalued based on earnings compared to the India market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Regency Investments, we can't assess if its growth is good value.


Price Based on Value of Assets

Regency Investments is overvalued based on assets compared to the IN Consumer Finance industry average.


Next Steps

Future Growth

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

5.9%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Regency Investments is high growth as no revenue estimate data is available.

Regency Investments's earnings are expected to grow by 5.9% yearly, however this is not considered high growth (20% yearly).

Unable to compare Regency Investments's revenue growth to the India market average as no estimate data is available.

Regency Investments's earnings growth is positive but not above the India market average.

Regency Investments's earnings growth is positive but not above the low risk savings rate of 7.6%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Regency Investments will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Regency Investments performed over the past 5 years?

28.5%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Regency Investments has delivered over 20% year on year earnings growth in the past 5 years.

Regency Investments's 1-year earnings growth is negative, it can't be compared to the 5-year average.

Regency Investments's 1-year earnings growth is negative, it can't be compared to the IN Consumer Finance industry average.


Return on Equity

Regency Investments has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Regency Investments used its assets more efficiently than the IN Consumer Finance industry average last year based on Return on Assets.


Return on Capital Employed

Regency Investments's use of capital deteriorated last year versus 3 years ago (Return on Capital Employed).


Next Steps

Financial Health

How is Regency Investments's financial position?


Financial Position Analysis

Regency Investments is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.

Regency Investments's long term commitments exceed its cash and other short term assets.


Debt to Equity History and Analysis

Regency Investments's level of debt (13.3%) compared to net worth is satisfactory (less than 40%).

Unable to establish if Regency Investments's debt level has increased without past 5-year debt data.

Debt is well covered by operating cash flow (112.9%, greater than 20% of total debt).

Interest payments on debt are not well covered by earnings (EBIT is 1.4x annual interest expense, ideally 3x coverage).


Balance Sheet

Low level of unsold assets.

Debt is covered by short term assets, assets are 1.8x debt.


Next Steps

Dividend

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

0.34%

Current Dividend Yield


Dividend Yield and Payments Analysis

Regency Investments's pays a lower dividend yield than the bottom 25% of dividend payers in India (0.65%).

Regency Investments's dividend is below the markets top 25% of dividend payers in India (2.64%).

It is too early to tell whether Regency Investments has stable dividend payments.

Regency Investments only just started paying a dividend, it is too early to tell if payments are increasing.


Current Payout to Shareholders

Dividends paid are thoroughly covered by earnings (10.1x coverage).


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Regency Investments's salary, the management and board of directors tenure and is there insider trading?

0.8yrs

Average management tenure


CEO

Gaurav Abrol (42yo)

1.9yrs

Tenure

₹300,000

Compensation

Mr. Gaurav Kumar Abrol has been Managing Director and Director at Regency Investments Limited since September 13, 2017. Mr. Abrol completed his Bachelor in Business Administration. 


CEO Compensation Analysis

Gaurav's remuneration is lower than average for companies of similar size in India.

Insufficient data for Gaurav to compare compensation growth.


Management Age and Tenure

0.8yrs

Average Tenure

36yo

Average Age

The average tenure for the Regency Investments management team is less than 2 years, this suggests a new team.


Board Age and Tenure

1.3yrs

Average Tenure

38.5yo

Average Age

The average tenure for the Regency Investments board of directors is less than 3 years, this suggests a new board.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Gaurav Abrol (42yo)

    MD & Director

    • Tenure: 1.9yrs
    • Compensation: ₹300.00k
  • Neha Abrol (36yo)

    Whole-Time Director

    • Tenure: 1.3yrs
  • Adarsh Tulshyan (28yo)

    CFO & Additional Director

    • Tenure: 1.0yrs
  • - Khyati

    Company Secretary & Compliance officer

    • Tenure: 0.6yrs

Board Members

  • Gaurav Abrol (42yo)

    MD & Director

    • Tenure: 1.9yrs
    • Compensation: ₹300.00k
  • Rashu Sarin (41yo)

    Non Executive Independent Director

    • Tenure: 2.0yrs
  • Surender Singla

    Non-Executive Independent Director

    • Tenure: 1.8yrs
  • Neha Abrol (36yo)

    Whole-Time Director

    • Tenure: 1.3yrs
  • Adarsh Tulshyan (28yo)

    CFO & Additional Director

    • Tenure: 1.0yrs
  • Pratik Jalan

    Independent Director

    • Tenure: 0.6yrs
  • Braham Dhupar

    Non-Executive Independent Director

    • Tenure: 0.1yrs

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: ₹109.499m
  • Shares outstanding: 3.71m
  • Website: https://www.regencyinvestments.co.in

Location

  • Regency Investments Limited
  • T-4/B, 3rd Floor
  • Centra Mall Industrial Area
  • Chandigarh
  • Chandigarh
  • 160002
  • India

Listings

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

Biography

Regency Investments Limited, a non-banking financial institution, provides financial and investment advisory and consultancy services in India. The company offers micro business/personal loans, education l ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/24 13:11
End of Day Share Price2019/08/23 00:00
Earnings2019/06/30
Annual Earnings2019/03/31


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.