Is Regency Fincorp overvalued or undervalued?

As of 30 October 2025, the valuation grade for Regency Fincorp has moved from expensive to fair. The company is currently fairly valued based on its financial metrics. Key ratios include a PE ratio of 28.68, an EV to EBITDA of 17.78, and a PEG ratio of 0.22, indicating strong growth potential relative to its price.
In comparison with peers, Regency Fincorp's valuation stands out against Bajaj Finance, which is considered very expensive with a PE ratio of 37.56, and Life Insurance, which is very attractive with a PE of 11.69. Notably, while Regency Fincorp has shown a strong performance over the long term with a 3-year return of 439.59%, it has underperformed the Sensex in the short term, with a year-to-date decline of 4.76% compared to the Sensex's gain of 8.02%.