Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Regency FincorpBOM:540175 +2.26%70 ROE % is 17.51% as of Jun. 2026, which is 194% above its 10-year median of 5.95. 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 531 Credit Services companies, Regency Fincorp ranks better than 72.32% on this metric.
The historical rank and industry rank for Regency Fincorp's ROE % or its related term are showing as below:
BOM:540175'
s ROE % Range Over the Past 10 Years
Min: 4.51 Med: 5.95 Max: 12.37
Current: 12.37
During the past 13 years, Regency Fincorp's highest ROE % was 12.37%. The lowest was 4.51%. And the median was 5.95%.
BOM:540175's ROE % is ranked better than 72.32% of 531
companies
in the Credit Services industry
Industry Median: 6.67
vs BOM:540175: 12.37
Regency Fincorp (BOM:540175) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Jun. 2026) net income data. The Revenue data used here is four times the quarterly (Jun. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Regency Fincorp ROE % Related Terms
Regency Fincorp ROE % Historical Data
* Premium members only.
The historical data trend for Regency Fincorp's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Regency Fincorp's ROE % distribution charts can be found below:
* The bar in red indicates where Regency Fincorp's ROE % 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Jun. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Regency Fincorp (BOM:540175) has a ROE % of 17.51% as of Jun. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Regency Fincorp and its competitors. This is 194% above median its historical median of 5.95. Over the past decade, Regency Fincorp's ROE % has ranged from 4.51 to 12.37. According to the industry distribution chart, Regency Fincorp ranks #147 out of 531 companies in the Credit Services industry, placing it in the top 27.7%.
Is Regency Fincorp's ROE % too high?
Regency Fincorp's current ROE % of 17.51% is 194% above median its 10-year median of 5.95. Over the past 10 years, this metric has ranged from a low of 4.51 to a high of 12.37. The Credit Services industry median ROE % is 6.67. Regency Fincorp's value of 17.51% is 162.5% above this industry median. Based on the distribution chart, Regency Fincorp ranks #147 out of 531 companies in the Credit Services industry, which is above the industry midpoint. 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 ROE % compare to V and MA?
According to the Credit Services industry distribution chart, Regency Fincorp ranks #147 out of 531 companies for ROE %. This puts Regency Fincorp in the upper half of its industry. The industry median ROE % is 6.67. Regency Fincorp's value of 17.51% is 162.5% above this benchmark. Historically, Regency Fincorp's own ROE % has ranged from 4.51 to 12.37 over the past decade. While the company's 10-year median is 5.95 vs. the industry median of 6.67, 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 ROE % for a Credit Services company?
The median ROE % among Credit Services companies is 6.67, based on 531 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Regency Fincorp's current ROE % of 17.51% is 162.5% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Regency Fincorp and its competitors. For the Credit Services industry, the median ROE % is 6.67 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Regency Fincorp's current ROE % is 17.51%, which is 194% above median its own 10-year median of 5.95. 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 ROE % is 17.51%, which is 194% above median its 10-year median of 5.95 and 162.5% above the Credit Services industry median of 6.67. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Regency Fincorp (BOM:540175), the current ROE % is 17.51% 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:
ROE %: 17.51% (194% above median its 10-year median of 5.95)
GF Value™: ₹35.91 vs. price of ₹43.07 (19.9% above fair value)
Industry Position: 162.5% above the Credit Services median (#147 of 531)
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
Get the complete analysis for BOM:540175
ROE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BOM:540175 has been successfully added to your 
