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Regency FincorpBOM:540175 +2.26%70 Net Margin % is 43.55% as of Jun. 2026, which is 187% above its 10-year median of 15.15. GuruFocus rates BOM:540175 with a GF Score™ of 70/100 and a GF Value™ of ₹35.91 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 537 Credit Services companies, Regency Fincorp ranks better than 79.89% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Regency Fincorp's Net Income for the
three
months ended in Jun. 2026 was ₹70.3 Mil. Regency Fincorp's Revenue for the
three
months ended in Jun. 2026 was ₹161.4 Mil. Therefore, Regency Fincorp's net margin for the quarter that ended in Jun. 2026 was 43.55%.
The historical rank and industry rank for Regency Fincorp's Net Margin % or its related term are showing as below:
BOM:540175'
s Net Margin % Range Over the Past 10 Years
Min: 6.86 Med: 15.15 Max: 50.81
Current: 40.36
BOM:540175's Net Margin % is ranked better than 79.89% of 537
companies
in the Credit Services industry
Industry Median: 15
vs BOM:540175: 40.36
Regency Fincorp (BOM:540175) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Regency Fincorp Net Margin % Related Terms
Regency Fincorp Net Margin % Historical Data
* Premium members only.
The historical data trend for Regency Fincorp's Net Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Credit Services subindustry, Regency Fincorp's Net Margin %, along with its competitors' market caps and Net Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Regency Fincorp Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Regency Fincorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where Regency Fincorp's Net Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Regency Fincorp (BOM:540175) has a Net Margin % of 43.55% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on Regency Fincorp and its competitors. This is 187% above median its historical median of 15.15. Over the past decade, Regency Fincorp's Net Margin % has ranged from 6.86 to 50.81. According to the industry distribution chart, Regency Fincorp ranks #108 out of 537 companies in the Credit Services industry, placing it in the top 20.1%.
Is Regency Fincorp's Net Margin % too high?
Regency Fincorp's current Net Margin % of 43.55% is 187% above median its 10-year median of 15.15. Over the past 10 years, this metric has ranged from a low of 6.86 to a high of 50.81. The Credit Services industry median Net Margin % is 15.00. Regency Fincorp's value of 43.55% is 190.3% above this industry median. Based on the distribution chart, Regency Fincorp ranks #108 out of 537 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Regency Fincorp has a GF Score™ of 70/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Regency Fincorp's Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Regency Fincorp ranks #108 out of 537 companies for Net Margin %. This places Regency Fincorp in the top 20% of its industry — outperforming the majority of peers. The industry median Net Margin % is 15.00. Regency Fincorp's value of 43.55% is 190.3% above this benchmark. Historically, Regency Fincorp's own Net Margin % has ranged from 6.86 to 50.81 over the past decade. While the company's 10-year median is 15.15 vs. the industry median of 15.00, Regency Fincorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 15.00, based on 537 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Regency Fincorp's current Net Margin % of 43.55% is 190.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Regency Fincorp and its competitors. For the Credit Services industry, the median Net Margin % is 15.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Regency Fincorp's current Net Margin % is 43.55%, which is 187% above median its own 10-year median of 15.15. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Regency Fincorp stock overvalued right now?
Based on GuruFocus' analysis, Regency Fincorp (BOM:540175) is currently considered Modestly Overvalued. The stock's GF Value™ is ₹35.91, compared to a current price of ₹43.07 — trading 19.9% above its estimated fair value. The current Net Margin % is 43.55%, which is 187% above median its 10-year median of 15.15 and 190.3% above the Credit Services industry median of 15.00. Regency Fincorp's overall GF Score™ is 70/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Regency Fincorp (BOM:540175), the current Net Margin % is 43.55% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Regency Fincorp (BOM:540175) Overvalued in 2026?
Based on GuruFocus' analysis, Regency Fincorp stock appears to be overvalued.
The current stock price of ₹43.07 is trading 19.9% above its estimated GF Value™ of ₹35.91.
GuruFocus considers Regency Fincorp to be Modestly Overvalued.
Key valuation signals for BOM:540175:
Net Margin %: 43.55% (187% above median its 10-year median of 15.15)
GF Value™: ₹35.91 vs. price of ₹43.07 (19.9% above fair value)
Industry Position: 190.3% above the Credit Services median (#108 of 537)
No single metric tells the full story. See the BOM:540175 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Regency Fincorp Ltd operates as a non-banking financial company engaged in the business of financing and investment advisory services in India. The products provided by the company include Personal Loans, Micro Loans, MSME Loan, Merchant financing, Women entrepreneurs loan, loans against property, and Residential and commercial. It generates revenue in the form of interest and dividend.
70GF Score
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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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