Is Credent Global overvalued or undervalued?

As of 30 October 2025, Credent Global's valuation grade has moved from very expensive to expensive, indicating a slight adjustment in its perceived value. The company appears to be overvalued based on its current metrics, with a PE ratio of 45.04, an EV to EBITDA of 41.73, and a PEG ratio of 0.33. These figures suggest that despite the high earnings multiple, the growth expectations may not justify such a valuation.
In comparison to its peers, Bajaj Finance has a PE ratio of 37.56 and an EV to EBITDA of 20.02, while Life Insurance boasts a much lower PE of 11.69 and an EV to EBITDA of 9.11, highlighting that Credent Global's valuation is significantly higher than these competitors. Additionally, the company's negative ROE of -9.00% and ROCE of -7.79% further reinforce the notion that it may not be delivering adequate returns relative to its high valuation. Recent stock performance shows a year-to-date decline of 26.24%, contrasting sharply with a Sensex return of 8.02%, which underscores the challenges facing the company in the current market environment.