Is Regency Fincorp overvalued or undervalued?

As of 10 November 2025, Regency Fincorp's valuation grade has moved from expensive to fair, indicating a shift in its market perception. The company is currently fairly valued, with a PE ratio of 27.48, an EV to EBITDA of 17.16, and a PEG ratio of 0.21, suggesting that it is priced reasonably relative to its growth prospects.
In comparison to its peers, Regency Fincorp's valuation metrics are notably more attractive than those of Bajaj Finance, which has a PE ratio of 38.76, and Bajaj Finserv, with a PE of 35.58. In contrast, Life Insurance stands out with a very attractive PE of 11.14, highlighting the competitive landscape within the Non-Banking Financial Company (NBFC) sector. Despite recent underperformance against the Sensex with a year-to-date return of -8.75% compared to the Sensex's 6.91%, the overall valuation suggests that Regency Fincorp is positioned well in the current market environment.