Is Anjani Finance overvalued or undervalued?

As of 17 October 2025, Anjani Finance's valuation grade has moved from very attractive to attractive. The company is currently considered undervalued, with a PE ratio of 20.30, a price to book value of 0.90, and an EV to EBIT ratio of 9.07. In comparison, Bajaj Finance is classified as very expensive with a PE ratio of 38.21, while Life Insurance, which is very attractive, has a PE ratio of 11.49.
Anjani Finance's return on capital employed (ROCE) stands at 4.93%, and its return on equity (ROE) is at 4.43%, indicating potential for growth relative to its peers. Despite a recent decline in stock performance compared to the Sensex over the past week, where it fell by 4.41% while the Sensex gained 1.76%, the long-term returns of 188.47% over three years and 1227.55% over five years suggest a strong underlying value proposition.