Is Ceejay Finance overvalued or undervalued?

As of 14 October 2025, Ceejay Finance's valuation grade has moved from attractive to fair, indicating a shift in its perceived value. The company is currently fairly valued based on its financial metrics. Key ratios include a PE Ratio of 10.07, an EV to EBITDA of 8.41, and a Price to Book Value of 0.90, which suggest that it is trading at a reasonable valuation compared to its earnings and book value.
In comparison to its peers, Ceejay Finance's PE Ratio is significantly lower than that of Bajaj Finance, which stands at 36.37, and also lower than Bajaj Finserv at 33.86. On the other hand, Life Insurance, which is considered very attractive, has a PE Ratio of 11.7, indicating that Ceejay Finance is positioned competitively within its sector. Notably, while the stock has underperformed year-to-date with a return of -32.53% compared to the Sensex's 4.98%, its recent performance over the last week shows a positive return of 4.79%, suggesting a potential rebound.