Is Guj. Credit Corp overvalued or undervalued?

As of 10 October 2025, the valuation grade for Guj. Credit Corp has moved from risky to very expensive. The company is currently overvalued, as indicated by its significantly negative PE ratio of -67.50 and an EV to EBIT of -79.93, which highlight severe profitability issues. Additionally, the Price to Book Value stands at 5.39, suggesting that the market is pricing the company's assets at a premium despite the underlying financial challenges.
In comparison to its peers, Guj. Credit Corp's valuation metrics are starkly unfavorable. For instance, Bajaj Finance has a PE ratio of 36.56, while Life Insurance boasts a PE of 11.65, both indicating a much healthier valuation relative to earnings. Furthermore, Guj. Credit Corp has underperformed against the Sensex, with a year-to-date return of -45.78% compared to the Sensex's 5.58%, reinforcing the notion that the stock is overvalued in the current market environment.