Submission of Results for the Quarter ended 30th June, 2025
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Regency Fincorp, an NBFC based in Punjab, reported strong Q1 FY26 results with total revenue from operations rising to Rs. 776.31 lakhs from Rs. 348.91 lakhs in Q1 FY25, more than doubling year-on-year. Interest income surged to Rs. 719.20 lakhs (from Rs. 345.73 lakhs), while total income reached Rs. 934.46 lakhs versus Rs. 365.08 lakhs last year. Profit before tax jumped nearly six-fold to Rs. 439.35 lakhs (vs Rs. 73.51 lakhs), and profit after tax grew almost five-fold to Rs. 315.71 lakhs (vs Rs. 54.40 lakhs), translating to EPS of Rs. 0.45 versus Rs. 0.12. The Board also approved issuance of 50 Series-C unlisted, unrated, secured NCDs worth Rs. 5 crore at 15% p.a. for a 15-month tenure, and confirmed receipt of Rs. 9.69 crore from the 75% balance call on convertible warrants allotted in December 2024. Auditor KNSG & Co LLP issued a clean (unqualified) limited review report with no qualifications or emphasis of matter.
Strong YoY profit growth of nearly 5x signals major scale-up in the lending business, which should be viewed positively by shareholders, though the new Rs. 5 crore NCD borrowing at 15% adds to interest costs. Existing shareholders should note the equity dilution from warrant conversion (Rs. 9.69 crore raised against 58.7 lakh shares at Rs. 22).