Is Regency Fincorp overvalued or undervalued?

As of 20 October 2025, the valuation grade for Regency Fincorp has moved from very expensive to expensive, indicating a slight improvement in its perceived value. The company is currently considered overvalued. Key ratios include a PE ratio of 37.50, an EV to EBITDA of 20.53, and a PEG ratio of 0.44, which suggests that while the growth potential is favorable, the current price does not adequately reflect the underlying earnings.
In comparison to its peers, Regency Fincorp's PE ratio of 37.50 is higher than Bajaj Finserv's 35.87, which is also classified as expensive, but significantly lower than Jio Financial's exorbitant 122.7. Additionally, Life Insurance stands out with a very attractive EV to EBITDA of 9.01, indicating that Regency Fincorp may be priced too high relative to its earnings potential. Despite a strong historical return of 430.4% over three years, recent performance has lagged behind the Sensex, with a year-to-date return of -1.06% compared to the Sensex's 7.97%.