Is Comfort Fincap overvalued or undervalued?

As of 8 October 2025, Comfort Fincap's valuation grade has moved from attractive to fair, indicating a shift in its perceived value. The company appears to be fairly valued at this time, with a price-to-earnings (PE) ratio of 12.83, a price-to-book value of 0.86, and an EV to EBITDA ratio of 8.52. These ratios suggest that while Comfort Fincap is not undervalued, it is also not significantly overvalued compared to its peers.
In comparison to its industry peers, Bajaj Finance is considered very expensive with a PE ratio of 36.53, while Life Insurance is deemed very attractive with a PE of 11.6. This places Comfort Fincap in a more moderate position within the market. Additionally, the company's recent stock performance has lagged behind the Sensex, particularly over the past year, where it has returned -18.55% compared to the Sensex's 0.17%. Overall, Comfort Fincap's current valuation reflects a balanced outlook amidst a competitive landscape.