Is Regency Fincorp overvalued or undervalued?

As of 14 July 2025, the valuation grade for Regency Fincorp has moved from expensive to fair. The company is currently fairly valued. Key ratios include a PE Ratio of 35.35, an EV to EBITDA of 11.62, and a PEG Ratio of 0.77. In comparison to peers, Life Insurance has a PE of 11.99 and an EV to EBITDA of 9.4, while Bajaj Finance is considered very expensive with a PE of 34.32 and an EV to EBITDA of 19.27.
Despite a recent decline in stock performance, with a year-to-date return of -33.34% compared to the Sensex's 5.27%, Regency Fincorp's strong ROCE of 22.88% and a relatively low PEG ratio suggest that it is positioned well within its sector. Overall, the company appears to be fairly valued in the current market context.