Revenue and Profitability Growth
Over the past six years, Regency Fincorp’s net sales have shown a robust upward trend, rising from ₹2.18 crores in March 2019 to nearly ₹20 crores by March 2025. This represents a nearly ninefold increase, reflecting the company’s expanding operations and market presence. Total operating income has followed a similar pattern, increasing steadily each year without significant fluctuations in other operating income, which has remained negligible in recent years.
Operating profit before depreciation and interest (PBDIT) excluding other income has also improved markedly, climbing from ₹0.51 crores in March 2019 to ₹5.72 crores in March 2025. Including other income, operating profit rose to ₹7.43 crores in the latest fiscal year, more than doubling from ₹3.42 crores the previous year. This improvement is indicative of better operational efficiency and cost management, despite rising employee and other expenses.
Profit after tax (PAT) has mirrored this positive trend, increasing from ₹0.38 crores in March 2019 to ₹4.98 crores in March 2025. The PAT margin has expanded significantly, reaching 24.95% in the latest year compared to 17.43% six years prior, signalling enhanced profitability relative to sales. Earnings per share (EPS) have fluctuated somewhat but remain positive, with a recent figure of ₹0.78 per share.
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Balance Sheet and Financial Position
Regency Fincorp’s balance sheet has strengthened considerably, with shareholder’s funds rising from ₹9.49 crores in March 2021 to ₹121.84 crores by March 2025. This growth is supported by a substantial increase in equity capital and reserves, reflecting retained earnings and capital infusion. The company has maintained a debt-free position in terms of long-term borrowings, though short-term borrowings have increased from ₹27.84 crores in March 2021 to ₹104.54 crores in March 2025, indicating a reliance on working capital financing.
Total liabilities have expanded in line with the company’s growth, reaching ₹229.11 crores in March 2025 from ₹39.14 crores in March 2021. Despite this, the company’s net block of fixed assets has increased steadily, suggesting ongoing investment in infrastructure and capacity. Cash and bank balances have also improved significantly, rising to ₹45.57 crores in the latest year, which supports liquidity and operational flexibility.
Cash Flow Trends
Cash flow from operating activities has remained positive and growing, with ₹11 crores generated in the latest fiscal year compared to ₹1 crore in March 2021. However, cash flow from investing activities has been negative, reflecting ongoing capital expenditure and loan advances, with ₹48 crores utilised in March 2025. Financing activities have provided substantial inflows, particularly in recent years, supporting the company’s expansion and working capital needs.
Overall, Regency Fincorp’s net cash inflow has improved, reaching ₹31 crores in March 2025, up from a modest ₹12 crores the previous year. This positive cash flow dynamic underpins the company’s ability to fund growth while maintaining operational stability.
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Summary of Historical Performance
In summary, Regency Fincorp has exhibited consistent growth in revenue and profitability over the last six years, supported by a strengthening balance sheet and improving cash flow. The company’s operating profit margins have expanded, and it has successfully increased shareholder equity while managing liabilities prudently. Although short-term borrowings have risen, the overall financial health remains robust, with ample liquidity and ongoing investments in assets.
Investors analysing Regency Fincorp’s historical performance can note the steady climb in key financial metrics, signalling a company that has scaled operations effectively while enhancing profitability. The positive cash flow from operations and strategic financing activities further reinforce its capacity to sustain growth and meet financial obligations.
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