Is Ceejay Finance overvalued or undervalued?

As of 17 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 9.92, a Price to Book Value of 0.88, and an EV to EBIT of 8.60, which suggest that the stock is reasonably priced compared to its earnings and book value.
In comparison to its peers, Ceejay Finance's PE Ratio of 9.92 is significantly lower than Bajaj Finance's 38.21, which is categorized as very expensive, and Life Insurance's 11.49, which is considered very attractive. This positions Ceejay Finance as a more affordable option within its sector, although it is still classified as fairly valued. Notably, while the stock has underperformed year-to-date with a return of -33.56% compared to the Sensex's 7.44%, it has shown strong performance over a three-year period with an impressive return of 84.76%.