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, an EV to EBIT ratio of -79.93, and a Price to Book Value of 5.39. These metrics suggest that the company's financial performance is not only underwhelming but also not justifying its current price.
In comparison to its peers, Guj. Credit Corp stands out unfavorably; for instance, Bajaj Finance has a PE ratio of 36.56 and an EV to EBITDA of 19.67, while Life Insurance boasts a PE of 11.65 and an EV to EBITDA of 9.08. The stark contrast in valuation metrics highlights the overvaluation of Guj. Credit Corp. Additionally, the company's stock 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 not a viable investment at its current valuation.