Rgen.Bo
RGEN.BO operates in the consumer finance industry, providing banking and investment services to facilitate consumer lending.
Business. RGEN.BO operates in the consumer finance industry, providing banking and investment services to facilitate consumer lending.
Analyst recommendations
23 analysts · consensus BuyAt a glance
What drives this business
The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.
News & coverage
0Sector rotation
Developing storylines
Analysis
AI analysisOpportunity
Upcoming catalysts
Scheduled public events. Informational only — not investment advice.
- Company
- EarningsQ3 2026 earnings (expected)2026-10-28 · estimated
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
- Congressional trades
- CongressLisa McClain — Repligen Corporation - Common2025-10-31 · Republican · MI · Sale · $1,001 - $15,000
- CongressLisa McClain — Repligen Corporation - Common2025-10-30 · Republican · MI · Sale · $1,001 - $15,000
- CongressLisa McClain — Repligen Corporation - Common2025-10-30 · Republican · MI · Purchase · $1,001 - $15,000
- CongressLisa McClain — Repligen Corporation - Common2025-07-22 · Republican · MI · Purchase · $1,001 - $15,000
- CongressLisa McClain — Repligen Corporation - Common2025-06-17 · Republican · MI · Sale · $1,001 - $15,000
- CongressLisa McClain — Repligen Corporation - Common2025-06-11 · Republican · MI · Purchase · $1,001 - $15,000
Pre-earnings brief
Signals & dispatch
Composite-score breakdown
Synthesis
RGEN.BO operates in the consumer finance industry, providing banking and investment services to facilitate consumer lending.
RGEN.BO maintains a debt-to-equity ratio of 0.86, indicating a moderate reliance on debt financing relative to equity. The company's liquidity position is assessed as medium, with only INR 375,000 in cash and equivalents, which is significantly lower than its long-term debt of INR 1,045,375,000. This suggests a potential liquidity risk, as the firm may need to rely on operating cash flows or external financing to meet long-term obligations.
In terms of profitability, RGEN.BO reports a return on equity (ROE) of 4.08% and a return on assets (ROA) of 2.17%. These figures are below the typical thresholds for high-performing financial institutions, indicating that the company is generating relatively modest returns for its shareholders and asset base. The operating income of INR 134,451,000 and net income of INR 49,757,000 further support the notion of moderate profitability.
The company's revenue is concentrated in a single business segment, as no segmental breakdown is provided in the available data. This lack of diversification could expose RGEN.BO to higher operational and market risks if the consumer lending sector experiences a downturn. Additionally, the geographic exposure is not specified, making it difficult to assess the company's vulnerability to regional economic fluctuations.
RGEN.BO's growth trajectory is not clearly defined in the available data, as there are no forward-looking revenue projections or historical growth rates provided. The company's capital expenditure of INR -23,715,000 suggests a reduction in investment in physical assets, which may indicate a focus on cost optimization or a shift toward digital operations. However, without specific guidance on future growth initiatives, it is challenging to assess the company's long-term expansion plans.
The risk assessment highlights a key flag: net cash is negative after subtracting total debt, which underscores the company's liquidity constraints. The dilution risk is assessed as low, with no significant changes in shares outstanding between basic and diluted shares. This suggests that the company is not currently issuing additional shares to raise capital, which is a positive sign for existing shareholders.
There are no recent events or filings disclosed in the available data that would provide insight into RGEN.BO's strategic direction or operational performance. The absence of recent transcripts or regulatory filings limits the ability to assess the company's management commentary or investor relations activity.
- RGEN.BO has a moderate debt-to-equity ratio of 0.86, indicating a balanced capital structure but with room for improvement in liquidity.
- The company's ROE of 4.08% and ROA of 2.17% suggest modest profitability, below industry benchmarks for high-performing financial institutions.
- RGEN.BO's revenue is concentrated in a single business segment, increasing its exposure to sector-specific risks.
- The company's liquidity position is medium, with limited cash reserves relative to its long-term debt obligations.
- There is no evidence of significant dilution risk, as shares outstanding remain unchanged between basic and diluted measures.
- The absence of recent events or filings limits visibility into the company's strategic direction and operational performance.
Bull / Bear case
analysis pipelineIn focus — financials by report
Valuation
Revenue by segment
Business relationships
Supply chain
Peer comparison
Market position
Stress test
Predictor forecast
Options
Short squeeze
Earnings-call key lines
Estimate revisions
consensus EPS · 26-week trendSell-side observations
Themes
ESG
Risk factors
- Net cash is negative after subtracting total debt.
Benchmarks vs cohort
Corporate actions / M&A
FX exposure
Comparable transactions
Derivatives & instruments
Derivative transactions
- Director · Stock Option (Right to Buy) → Common StockAcquired 2 239 @ $103,38grant · 2026-05-14
- Director · Stock Option (Right to Buy) → Common StockAcquired 2 239 @ $103,38grant · 2026-05-14
- Director · Stock Option (Right to Buy) → Common StockAcquired 2 239 @ $103,38grant · 2026-05-14
- Director · Stock Option (Right to Buy) → Common StockAcquired 2 239 @ $103,38grant · 2026-05-14
- Director · Stock Option (Right to Buy) → Common StockAcquired 2 239 @ $103,38grant · 2026-05-14
- Director · Stock Option (Right to Buy) → Common StockAcquired 2 239 @ $103,38grant · 2026-05-14
- Director · Stock Option (Right to Buy) → Common StockAcquired 2 239 @ $103,38grant · 2026-05-14
- Director · Stock Option (Right to Buy) → Common StockAcquired 2 239 @ $103,38grant · 2026-05-14
- Director · Stock Option (Right to Buy) → Common StockAcquired 2 434 @ $38,76exercise · 2026-05-07
- Chief Executive Officer · Stock Option (Right to Buy) → Common StockAcquired 25 890 @ $141,91grant · 2026-03-05
- Chief Operating Officer · Stock Option (Right to Buy) → Common StockAcquired 8 315 @ $141,91grant · 2026-03-05
- CFO · Stock Option (Right to Buy) → Common StockAcquired 8 315 @ $141,91grant · 2026-03-05
- Senior VP, R&D · Stock Option (Right to Buy) → Common StockAcquired 5 669 @ $141,91grant · 2026-03-05
- CHIEF PRODUCT OFFICER · Stock Option (Right to Buy) → Common StockAcquired 2 143 @ $163,86grant · 2025-12-31
Actions
Ask Handelsavisen
- Market data
- Market data cache
- Issuer disclosures
- Public news
- Earnings transcripts
- Consensus estimates
- ESG data
- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
- Net Cashcash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
- Capex To Revenuecapital_expenditure / revenue
- Return On Equitynet_income / total_equity
- Debt To Equity(short_term_debt + long_term_debt) / total_equity
- Cash Conversion Ratiooperating_cash_flow / net_income
- RGEN.BO Market data — financials · 2026-05-29
Ownership & reference
Top holders
- Investment Managers · as of 2026-03-310,11 %$0M
- Investment Managers · as of 2026-03-310,07 %$1M
- Institutional Investor · as of 2026-03-310,06 %$165M
- Investment Managers · as of 2026-03-310,05 %$74M
- Investment Managers · as of 2026-03-310,04 %$136M
- Institutional Investor · as of 2022-09-300,03 %$0M
- Institutional Investor · as of 2026-03-310,03 %$109M
- Funds · as of 2026-03-310,02 %$151M
- Investment Managers · as of 2024-06-300,02 %$954M
- Investment Managers · as of 2026-03-310,02 %$101M
- Institutional Investor · as of 2026-03-310,02 %$340M
- Investment Managers · as of 2026-03-310,01 %$28M
- Investment Managers · as of 2026-03-310,01 %$79M
- Investment Managers · as of 2026-03-310,01 %$52M
- Investment Managers · as of 2025-12-310,01 %$818M
- Investment Managers · as of 2024-12-310,01 %$42M
- Investment Managers · as of 2026-03-310,01 %$77M
- Investment Managers · as of 2026-03-310,01 %$19M
- Investment Managers · as of 2026-03-310,01 %$14M
- Investment Managers · as of 2026-03-310,01 %$53M
- Investment Managers · as of 2026-03-310,01 %$125M
- Investment Managers · as of 2026-03-310,01 %$12M
- Investment Managers · as of 2026-03-310,01 %$52M
- Institutional Investor · as of 2026-03-310,00 %$12M
- Institutional Investor · as of 2026-03-310,00 %$3M
- Institutional Investor · as of 2026-03-310,00 %$3M
- Investment Managers · as of 2026-03-310,00 %$4M
- Investment Managers · as of 2026-03-310,00 %$1M
- Investment Managers · as of 2026-03-310,00 %$1M
- Investment Managers · as of 2026-03-310,00 %$12M
- Brokerage Firms · as of 2026-03-310,00 %$1M
- Investment Managers · as of 2026-03-310,00 %$1M
- Institutional Investor · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2026-03-310,00 %$0M
- Brokerage Firms · as of 2026-03-310,00 %$0M
Leadership
- Olivier LoeillotPresident, Chief Executive Officer
- Sandy D. SmithPresident & CEO
Insider activity
- Director · Common StockOther 995 · 2026-05-14
- Director · Common StockOther 995 · 2026-05-14
- Director · Common StockOther 995 · 2026-05-14
- Director · Common StockOther 995 · 2026-05-14
- Director · Common StockOther 995 · 2026-05-14
- Director · Common StockOther 995 · 2026-05-14
- Director · Common StockOther 995 · 2026-05-14
- Director · Common StockOther 995 · 2026-05-14
- Director · Common StockOther 2 434 @ $38,76$94K · 2026-05-07
- CHIEF PRODUCT OFFICER · Common StockOther 334 @ $126,43$42K · 2026-05-07
- Director, Chief Executive Officer · Common StockSold 3 832 @ $140,00$536K · 2026-04-21
- Senior VP, R&D · Common StockOther 5 284 · 2026-03-05
- CFO · Common StockOther 7 751 · 2026-03-05
- Chief Executive Officer · Common StockOther 24 134 · 2026-03-05
- Chief Operating Officer · Common StockOther 7 751 · 2026-03-05
- Senior VP, R&D · Common StockOther 42 @ $125,84$5K · 2026-03-04
- Chief Operating Officer · Common StockOther 125 · 2026-03-04
- Chief Operating Officer · Common StockOther 62 @ $125,84$8K · 2026-03-04
- Senior VP, R&D · Common StockOther 125 · 2026-03-04
- CFO · Common StockOther 715 @ $124,97$89K · 2026-03-02
- Director, Chief Executive Officer · Common StockOther 1 610 @ $124,97$201K · 2026-03-02
- Senior VP, R&D · Common StockOther 923 @ $124,97$115K · 2026-03-02
- CHIEF PRODUCT OFFICER · Common StockOther 221 @ $124,97$28K · 2026-03-02
- Director · Common StockOther 9 897 @ $124,97$1,2M · 2026-03-02
- Chief Operating Officer · Common StockOther 2 433 @ $124,97$304K · 2026-03-02
Short positioning
Geographic breakdown
Intel & risk
Evidence & claims
From filings & derived data- EPS (basic) (YoY) (2025-12-31 vs 2024-12-31): 289.1%Derived (calculated)
- Long-term debt (YoY) (2025-12-31 vs 2024-12-31): 3.2%Derived (calculated)
- Total liabilities (YoY) (2025-12-31 vs 2024-12-31): -1.6%Derived (calculated)
- R&D expense (YoY) (2025-12-31 vs 2024-12-31): 25.4%Derived (calculated)
- Capex (YoY) (2025-12-31 vs 2024-12-31): -8.4%Derived (calculated)
- Total assets (YoY) (2025-12-31 vs 2024-12-31): 4.2%Derived (calculated)
- Operating income (YoY) (2025-12-31 vs 2024-12-31): 257.1%Derived (calculated)
- Shareholders' equity (YoY) (2025-12-31 vs 2024-12-31): 6.8%Derived (calculated)
- Debt-to-equity (FY 2025-12-31): 0.40xDerived (calculated)
- Operating cash flow (YoY) (2025-12-31 vs 2024-12-31): -33.1%Derived (calculated)
- Current ratio (FY 2025-12-31): 8.37xDerived (calculated)
- Cost of revenue (YoY) (2025-12-31 vs 2024-12-31): -2.2%Derived (calculated)
- EPS (diluted) (YoY) (2025-12-31 vs 2024-12-31): 287.0%Derived (calculated)
- Return on assets (FY 2025-12-31): 1.7%Derived (calculated)
- Net income (YoY) (2025-12-31 vs 2024-12-31): 291.6%Derived (calculated)
- Cash & equivalents (YoY) (2025-12-31 vs 2024-12-31): -25.3%Derived (calculated)
- Return on equity (FY 2025-12-31): 2.3%Derived (calculated)
- Net income (annual): USD 48.89MSEC XBRL filing
- Cash & equivalents (annual): USD 566.02MSEC XBRL filing
- Operating income (annual): USD 55.17MSEC XBRL filing
- Cost of revenue (annual): USD 352.01MSEC XBRL filing
- R&D expense (annual): USD 54.18MSEC XBRL filing
- EPS (basic) (annual): USD-PER-SHARES 1SEC XBRL filing
- Total assets (annual): USD 2.95BSEC XBRL filing