Regency Fincorp [REGENCY] vs Shriram Finance [SHRIRAMFIN] Detailed Stock Comparison
TLDR: Quick Comparison Summary
Based on 20 vital metrics comparison: Regency Fincorp Ltd. wins in 11 metrics, Shriram Finance Ltd. wins in 6 metrics, with 0 ties. Regency Fincorp Ltd. appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Regency Fincorp Ltd. | Shriram Finance Ltd. | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 20.76 | 20.78 | Regency Fincorp Ltd. |
| Price-to-Book Ratio | 1.43 | 3.13 | Regency Fincorp Ltd. |
| Debt-to-Equity Ratio | 76.03 | 279.08 | Regency Fincorp Ltd. |
| PEG Ratio | 0.21 | 1.15 | Regency Fincorp Ltd. |
| EV/EBITDA | 36.39 | N/A | N/A |
| Profit Margin (TTM) | 46.15% | 45.95% | Regency Fincorp Ltd. |
| Operating Margin (TTM) | 69.25% | 61.27% | Regency Fincorp Ltd. |
| EBITDA Margin (TTM) | 69.25% | 61.27% | Regency Fincorp Ltd. |
| Return on Equity | 4.08% | 16.92% | Shriram Finance Ltd. |
| Return on Assets (TTM) | 2.17% | 3.25% | Shriram Finance Ltd. |
| Free Cash Flow (TTM) | $90.16M | $-439.06B | Regency Fincorp Ltd. |
| Dividend Yield | N/A | 1.41% | N/A |
| 1-Year Return | 16.40% | 48.14% | Shriram Finance Ltd. |
| Price-to-Sales Ratio (TTM) | 8.38 | 11.93 | Regency Fincorp Ltd. |
| Enterprise Value | $2.81B | $3,536.13B | Shriram Finance Ltd. |
| EV/Revenue Ratio | 10.40 | 17.76 | Regency Fincorp Ltd. |
| Gross Profit Margin (TTM) | 59.01% | N/A | N/A |
| Revenue per Share (TTM) | $3 | $106 | Shriram Finance Ltd. |
| Earnings per Share (Diluted) | $1.36 | $48.57 | Shriram Finance Ltd. |
| Beta (Stock Volatility) | 0.41 | 0.65 | Regency Fincorp Ltd. |
Regency Fincorp Ltd. vs Shriram Finance Ltd. Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Regency Fincorp Ltd. | -2.92% | -1.01% | -3.34% | 19.14% | -7.36% | -2.52% |
| Shriram Finance Ltd. | 0.14% | -5.22% | -4.95% | -9.61% | 10.25% | -10.47% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Regency Fincorp Ltd. | 16.40% | 212.14% | 158.55% | 120.37% | 120.37% | 120.37% |
| Shriram Finance Ltd. | 48.14% | 235.07% | 232.75% | 314.82% | 593.17% | 3,869.61% |
Performance & Financial Health Analysis: Regency Fincorp Ltd. vs Shriram Finance Ltd.
| Metric | REGENCY | SHRIRAMFIN |
|---|---|---|
| Market Information | ||
| Market Cap | ₹2.20B | ₹2.38T |
| Market Cap Category | Small cap | Large cap |
| 10 Day Avg. Volume | 59,520 | 6,132,239 |
| 90 Day Avg. Volume | 121,592 | 9,368,423 |
| Last Close | ₹33.24 | ₹912.95 |
| 52 Week Range | ₹22.71 - ₹46.69 | ₹566.50 - ₹1,108.00 |
| % from 52W High | -28.81% | -17.60% |
| All-Time High | ₹53.25 (Aug 27, 2018) | ₹1,108.00 (Feb 26, 2026) |
| % from All-Time High | -37.58% | -17.60% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 1.35% | 0.21% |
| Quarterly Earnings Growth | 2.31% | -0.22% |
| Financial Health | ||
| Profit Margin (TTM) | 0.46% | 0.46% |
| Operating Margin (TTM) | 0.69% | 0.61% |
| Return on Equity (TTM) | 0.04% | 0.17% |
| Debt to Equity (MRQ) | 76.03 | 279.08 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | ₹19.77 | ₹322.11 |
| Cash per Share (MRQ) | ₹5.42 | ₹63.69 |
| Operating Cash Flow (TTM) | ₹123.26M | ₹140.49B |
| Levered Free Cash Flow (TTM) | ₹49.76M | ₹95.54B |
| Dividends | ||
| Last 12-Month Dividend Yield | N/A | 1.41% |
| Last 12-Month Dividend | ₹0.00 | ₹11.18 |
Valuation & Enterprise Metrics Analysis: Regency Fincorp Ltd. vs Shriram Finance Ltd.
| Metric | REGENCY (Apr 24, 2026) | SHRIRAMFIN (Apr 24, 2026) |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 20.76 | 20.78 |
| Forward P/E | N/A | 15.98 |
| PEG Ratio | 0.21 | 1.15 |
| Price to Sales (TTM) | 8.38 | 11.93 |
| Price to Book (MRQ) | 1.43 | 3.13 |
| Market Capitalization | ||
| Market Capitalization | ₹2.20B | ₹2.38T |
| Enterprise Value | ₹2.81B | ₹3.54T |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 10.40 | 17.76 |
| Enterprise to EBITDA | 36.39 | N/A |
| Risk & Other Metrics | ||
| Beta | 0.41 | 0.65 |
| Book Value per Share (MRQ) | ₹19.77 | ₹322.11 |
Financial Statements Comparison: Regency Fincorp Ltd. vs Shriram Finance Ltd.
Financial Metrics
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Revenue
Operating Margin
Profit Margin
Long Term Debt
Income Flow Analysis
Financial Statements Comparison
Income Statement
| Metric | REGENCY (2025) | SHRIRAMFIN (2025) |
|---|---|---|
| Revenue/Sales | 199.56M | 221.88B |
| Cost of Goods Sold | 108.04M | N/A |
| COGS % of Revenue | 54.1% | 0.0% |
| Gross Profit | 91.52M | N/A |
| Gross Margin | 45.9% | 0.0% |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | 56.11M | N/A |
| Operating Margin | 28.1% | 0.0% |
| EBITDA | 77.24M | N/A |
| EBITDA Margin | 38.7% | 0.0% |
| Pre-Tax Income | 66.93M | 125.03B |
| Pre-Tax Income % of Revenue | 33.5% | 56.3% |
| Income Tax | 17.18M | 30.80B |
| Income Tax % of Revenue | 8.6% | 13.9% |
| Net Income (Profit) | 49.76M | 95.76B |
| Profit Margin | 24.9% | 43.2% |
Balance Sheet & Liquidity Metrics
| Metric | REGENCY (2025) | SHRIRAMFIN (2025) |
|---|---|---|
| Cash & Equivalents | 22.69M | 197.79B |
| Total Current Assets | 1.52B | N/A |
| Total Current Assets % of Revenue | 764.1% | 0.0% |
| Total Current Liabilities | 580.47M | N/A |
| Total Current Liabilities % of Revenue | 290.9% | 0.0% |
| Long-Term Debt | 491.86M | 1.79T |
| Long-Term Debt % of Revenue | 246.5% | 806.0% |
| Total Shareholders Equity | 1.22B | 564.70B |
| Retained Earnings | 77.51M | 242.42B |
| Retained Earnings % of Revenue | 38.8% | 109.3% |
| Property, Plant & Equipment | 629,000 | 137.30M |
Cash Flow Statement Comparison
| Metric | REGENCY (2025) | SHRIRAMFIN (2025) |
|---|---|---|
| Operating Cash Flow | 123.26M | 140.49B |
| Operating Cash Flow % of Revenue | 61.8% | 63.3% |
| Capital Expenditures | -6.29M | -2.20B |
| Free Cash Flow | 90.16M | -439.06B |
| FCF Margin | 45.2% | -197.9% |
| Debt Repayment | -22.93M | -766.59B |
| Common Stock Repurchase | N/A | N/A |
Short Interest & Institutional Ownership Analysis
| Metric | REGENCY | SHRIRAMFIN |
|---|---|---|
| Shares Short | N/A | N/A |
| Short Ratio | N/A | N/A |
| Short % of Float | N/A | N/A |
| Shares Outstanding | 80.17M | 2.35B |
| Float Shares | 36.55M | 1.41B |
| % Held by Insiders | 54.52% | 22.04% |
| % Held by Institutions | 2.27% | 37.56% |
| % Held by Public | 43.21% | 40.40% |
Dividend Analysis & Yield Comparison: Regency Fincorp Ltd. vs Shriram Finance Ltd.
| Metric | REGENCY | SHRIRAMFIN |
|---|---|---|
| Last 12-Month Dividend | ₹0.00 | ₹11.18 |
| Last 12-Month Dividend Yield | N/A | 1.41% |
| 3-Year Avg Annual Dividend | ₹0.00 | ₹4.79 |
| 3-Year Avg Dividend Yield | N/A | 0.28% |
| 3-Year Total Dividends | ₹0.00 | ₹14.38 |
| Ex-Dividend Date | N/A | Nov 07, 2025 |