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, indicating a significant deterioration in its valuation outlook. The company is currently assessed as overvalued. Key ratios highlight this concern, with a PE ratio of -67.50, an EV to EBIT of -79.93, and a Price to Book Value of 5.39, all of which suggest that the company's financial performance and market valuation are not aligned.
In comparison to its peers, Guj. Credit Corp's valuation 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 shows a PE of 11.65 and an EV to EBITDA of 9.08, both indicating more attractive valuations in the sector. Furthermore, Guj. Credit Corp's stock has underperformed relative to the Sensex, with a year-to-date return of -45.78% compared to the Sensex's positive 5.58%, reinforcing the notion that the stock is overvalued in its current state.