Regency Fincorp [REGENCY] vs Indian Railway [IRFC] Detailed Stock Comparison

Regency Fincorp

BSE
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Indian Railway

NSE
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TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: Regency Fincorp wins in 9 metrics, Indian Railway wins in 10 metrics, with 0 ties. Indian Railway appears stronger overall.

View Metrics Details

Vital Metrics Comparison

MetricRegency FincorpIndian RailwayBetter
P/E Ratio (TTM)38.1624.63Indian Railway
Price-to-Book Ratio2.203.02Regency Fincorp
Debt-to-Equity Ratio85.80748.58Regency Fincorp
PEG Ratio0.142.29Regency Fincorp
EV/EBITDA46.1139.37Indian Railway
Profit Margin (TTM)40.79%97.62%Indian Railway
Operating Margin (TTM)62.22%97.65%Indian Railway
EBITDA Margin (TTM)62.22%97.65%Indian Railway
Return on Equity4.08%12.68%Indian Railway
Return on Assets (TTM)2.17%1.39%Regency Fincorp
Free Cash Flow (TTM)$90.16M$82.29BIndian Railway
Dividend YieldN/A1.69%N/A
1-Year Return6.63%-17.82%Regency Fincorp
Price-to-Sales Ratio (TTM)15.8124.07Regency Fincorp
Enterprise Value$3.56B$5,708.65BIndian Railway
EV/Revenue Ratio19.1383.54Regency Fincorp
Gross Profit Margin (TTM)52.19%25.69%Regency Fincorp
Revenue per Share (TTM)$3$5Indian Railway
Earnings per Share (Diluted)$1.11$5.11Indian Railway
Beta (Stock Volatility)0.210.30Regency Fincorp
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends

Regency Fincorp vs Indian Railway Stock Performance Analysis

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Regency Fincorp
Indian Railway
Regency Fincorp Stock Overview | Indian Railway Stock Overview

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Regency Fincorp-1.87%1.25%-5.41%51.09%39.77%3.95%
Indian Railway1.47%0.79%0.54%-9.60%2.30%-16.70%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Regency Fincorp6.63%555.37%47.86%177.79%177.79%177.79%
Indian Railway-17.82%485.23%405.00%405.00%405.00%405.00%

News Based Sentiment: Regency Fincorp vs Indian Railway

Regency Fincorp

News based Sentiment: MIXED

Regency Fincorp experienced significant corporate actions and a management change in October 2025, but these were overshadowed by an analyst downgrade citing an expensive valuation despite strong recent returns. This creates a mixed investment picture, balancing positive performance with potential risks.

View Regency Fincorp News Sentiment Analysis

Indian Railway

News based Sentiment: MIXED

IRFC is demonstrating strong business development through significant loan agreements in the power sector, but this is offset by a concerning 16% decline in share price during 2025. The upcoming earnings release will be crucial in determining whether the company can overcome these challenges and deliver value to investors.

View Indian Railway News Sentiment Analysis

Performance & Financial Health Analysis: Regency Fincorp vs Indian Railway

MetricREGENCYIRFC
Market Information
Market Cap i₹3.03B₹1.64T
Market Cap CategorySmall capLarge cap
10 Day Avg. Volume i61,1466,482,655
90 Day Avg. Volume i172,9377,978,584
Last Close₹41.35₹127.08
52 Week Range₹24.25 - ₹46.69₹108.04 - ₹166.90
% from 52W High-11.44%-23.86%
All-Time High₹53.25 (Aug 27, 2018)₹229.00 (Jul 15, 2024)
% from All-Time High-22.35%-44.51%
Growth Metrics
Quarterly Revenue Growth2.72%0.11%
Quarterly Earnings Growth4.80%0.11%
Financial Health
Profit Margin (TTM) i0.41%0.98%
Operating Margin (TTM) i0.62%0.98%
Return on Equity (TTM) i0.04%0.13%
Debt to Equity (MRQ) i85.80748.58
Cash & Liquidity
Book Value per Share (MRQ)₹19.29₹41.65
Cash per Share (MRQ)₹6.50₹0.77
Operating Cash Flow (TTM) i₹123.26M₹50.56B
Levered Free Cash Flow (TTM) i₹49.76M₹65.02B
Dividends
Last 12-Month Dividend Yield iN/A1.69%
Last 12-Month Dividend i₹0.00₹2.30

Valuation & Enterprise Metrics Analysis: Regency Fincorp vs Indian Railway

MetricREGENCYIRFC
Price Ratios
P/E Ratio (TTM) i38.1624.63
Forward P/E iN/A24.68
PEG Ratio i0.142.29
Price to Sales (TTM) i15.8124.07
Price to Book (MRQ) i2.203.02
Market Capitalization
Market Capitalization i₹3.03B₹1.64T
Enterprise Value i₹3.56B₹5.71T
Enterprise Value Metrics
Enterprise to Revenue i19.1383.54
Enterprise to EBITDA i46.1139.37
Risk & Other Metrics
Beta i0.210.30
Book Value per Share (MRQ) i₹19.29₹41.65

Financial Statements Comparison: Regency Fincorp vs Indian Railway

Financial Metrics

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Revenue

EBITDA

Shareholders Equity

Operating Margin

Free Cash Flow

Long Term Debt

Profit Margin

Current Ratio

Operating Cash Flow

Income Statement (MRQ)

Metric (MRQ)REGENCYIRFC
Revenue/Sales i₹77.63M₹69.01B
Cost of Goods Sold i₹37.11M₹51.28B
Gross Profit i₹40.52M₹17.73B
Research & Development iN/AN/A
Operating Income (EBIT) i₹33.31M₹17.43B
EBITDA i₹40.91M₹17.44B
Pre-Tax Income i₹43.94M₹17.46B
Income Tax i₹12.36M₹0
Net Income (Profit) i₹31.57M₹17.46B

Balance Sheet & Liquidity Metrics (MRQ)

Metric (MRQ)REGENCYIRFC
Cash & Equivalents i₹22.69M₹1.72B
Total Current Assets i₹1.52B₹2.87T
Total Current Liabilities i₹580.47M₹83.30M
Long-Term Debt i₹491.86M₹4.05T
Total Shareholders Equity i₹1.22B₹544.24B
Retained Earnings i₹77.51MN/A
Property, Plant & Equipment i₹629,000₹128.00M

Cash Flow Statement Comparison (MRQ)

Metric (MRQ)REGENCYIRFC
Operating Cash Flow iN/A₹14.22B
Capital Expenditures iN/A₹-2.40M
Free Cash Flow iN/A₹14.67B
Debt Repayment iN/AN/A
Common Stock Repurchase iN/AN/A

Short Interest & Institutional Ownership Analysis

MetricREGENCYIRFC
Shares Short iN/AN/A
Short Ratio iN/AN/A
Short % of Float iN/AN/A
Average Daily Volume (10 Day) i61,1466,482,655
Average Daily Volume (90 Day) i172,9377,978,584
Shares Outstanding i63.59M13.07B
Float Shares i28.12M1.78B
% Held by Insiders i0.57%0.86%
% Held by Institutions i0.00%0.02%

Dividend Analysis & Yield Comparison: Regency Fincorp vs Indian Railway

MetricREGENCYIRFC
Last 12-Month Dividend i₹0.00₹2.30
Last 12-Month Dividend Yield iN/A1.69%
3-Year Avg Annual Dividend i₹0.00₹1.74
3-Year Avg Dividend Yield iN/A1.33%
3-Year Total Dividends i₹0.00₹5.23
Ex-Dividend DateN/AMar 21, 2025