Regency Fincorp Q2 FY27 results: net profit ₹9.99 crore

How did Regency Fincorp perform in Q2 FY27?

Regency Fincorp reported consolidated Q2 FY27 revenue of ₹44.31 crore for the quarter ended 30 September 2026, compared with ₹17.43 crore in Q1 FY27. EBITDA rose to ₹19.65 crore from ₹14.70 crore, but the EBITDA margin fell to 44.3% from 84.3%. No year-ago quarter figures were provided, so a year-on-year comparison could not be made.

Profit before tax was ₹13.35 crore, up from ₹9.39 crore in Q1 FY27, while net profit rose to ₹9.99 crore from ₹7.03 crore. Basic EPS increased to ₹1.12 from ₹0.79. On the standalone basis, revenue was ₹30.12 crore and net profit was ₹9.01 crore, against profit before tax of ₹3.32 crore. The quarter had no exceptional item.

What do the balance sheet and cash flow show?

Total assets increased to ₹716.75 crore at 30 September 2026 from ₹330.27 crore at 31 March 2026. Total equity rose to ₹190.49 crore from ₹160.49 crore, while cash and cash equivalents increased to ₹0.1 crore from ₹0.05 crore. Borrowings were not provided, so the change in borrowings cannot be stated from the available figures.

For the first half of FY27, operating cash flow was ₹22.51 crore, investing cash flow was negative ₹359.12 crore and financing cash flow was ₹348.15 crore. Capital expenditure was ₹1.68 crore. Year-earlier cash-flow figures were not provided, so a comparison with the first half of FY26 could not be made.

What else did the company announce?

The board approved the standalone and consolidated unaudited financial results and the statutory auditors’ limited review reports for the quarter and half year ended 30 September 2026. It also approved 40,000 secured, rated, listed, non-convertible debentures with a face value of ₹10,000 each, aggregating ₹40 crore, through private placement. Catalyst Trusteeship Limited was appointed as trustee and Credora Partners Private Limited as merchant banker.

The filing stated that the debenture proceeds would be used for onward lending. It also reported that ₹40 crore had been raised and fully utilised from each of two private placements dated 23 July 2026 and 30 July 2026, with no deviation from the stated objects. The same-day filing did not announce a dividend or any new appointment other than the debenture trustee and merchant banker.

What did Regency Fincorp's management say?

The Managing Director said CashMySalary served customers across 26 states and 4 union territories and over 15,250 pin codes. Management identified acquisition execution and funding costs as key open questions, noting that acquisitions remained subject to due diligence, approvals and completion. Regency Pay was awaiting RBI licence approval, while rapid growth required continued attention to underwriting, collections and asset-quality control. No specific analyst questions were recorded.

How did Regency Fincorp shares react?

The filing appeared in the market at ₹62.22, against a previous close of ₹62.41. The price was up 2.1% after 5 minutes, 0.5% after 15 minutes and 0.5% after 30 minutes. It closed the reaction day down 1.4%; by the next day’s close, the stock was up 3.2% from its pre-results close, and by the fifth session it was down 0.7%.

Earlier results-day moves were mixed: the stock rose 2.4% on 20 July 2026 and 3.0% on 6 May 2026, fell 0.5% on 2 February 2026 and 2.3% on 29 October 2025, rose 1.0% on 26 July 2025 and 2.9% on 28 April 2025, then fell 2.0% on 28 October 2024 and 2.1% on 17 July 2024.

How did other Other Financial Services companies do?

Sixteen other Other Financial Services companies had filed for the quarter by 4 November 2026. Their median revenue growth was negative 13.7%, while 13 of the 28 companies for which profit was compared reported higher profit.