Is Ceejay Finance overvalued or undervalued?

As of 20 October 2025, Ceejay Finance's valuation grade has moved from fair to attractive, indicating a more favorable assessment of its financial standing. The company is currently considered undervalued, with a PE ratio of 9.79, a Price to Book Value of 0.87, and an EV to EBITDA of 8.27. These ratios suggest that the stock is trading at a discount compared to its earnings and book value.
In comparison to its peers, Ceejay Finance's valuation metrics stand out positively. For instance, Bajaj Finance is categorized as very expensive with a PE ratio of 38.6, while Life Insurance is considered very attractive with a PE of 11.57. This highlights Ceejay Finance's relative affordability in the market. Additionally, despite recent underperformance with a year-to-date return of -34.42% compared to the Sensex's 7.97%, the long-term performance over three years shows a significant gain of 86.01%, reinforcing the potential for recovery and value in the stock.