Is Cindrella Fin. overvalued or undervalued?

As of 10 October 2025, the valuation grade for Cindrella Fin. has moved from fair to very expensive, indicating a significant shift in its market perception. The company is currently assessed as overvalued. Key ratios include a PE ratio of 4.68, an EV to EBIT of 4.38, and a ROE of 3.04%.
In comparison to its peers, Cindrella Fin. stands out with a much lower PE ratio than Bajaj Finance, which has a PE of 36.56, and Life Insurance, which boasts a PE of 11.65. This stark contrast highlights the overvaluation, especially given that the industry average for similar companies is considerably higher. Notably, Cindrella Fin.'s stock has underperformed against the Sensex, with a year-to-date return of -24.80% compared to the Sensex's positive return of 5.58%, further reinforcing the view that the stock is currently overvalued.