Is Charter. Capital overvalued or undervalued?

As of 13 October 2025, Charter. Capital's valuation grade has moved from attractive to fair. The company is currently fairly valued based on its financial ratios. The PE ratio stands at 17.04, while the price-to-book value is notably low at 0.65, indicating that the stock is trading below its book value. However, the negative EV to EBIT and EV to EBITDA ratios of -7.47 suggest underlying challenges in profitability.
In comparison to peers, Charter. Capital's PE ratio of 17.04 is significantly lower than Bajaj Finance's 37.04, which is categorized as very expensive, and Life Insurance's attractive PE of 11.66. This positions Charter. Capital more favorably in terms of valuation relative to its peers, although its PEG ratio of 6.62 indicates that growth expectations may be high. Notably, Charter. Capital has outperformed the Sensex with a year-to-date return of 30.30% compared to the Sensex's 5.36%, reinforcing its current valuation stance.