Is Guj. Credit Corp overvalued or undervalued?

As of 17 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 situation, with a staggering PE ratio of -6877.50, an EV to EBIT of -81.21, and a Price to Book Value of 5.49, all of which suggest that the company's financial metrics are not only poor but also unsustainable.
In comparison with its peers, Guj. Credit Corp stands out unfavorably. For instance, Bajaj Finance has a PE ratio of 38.21, while Life Insurance boasts a much more attractive PE of 11.49. The stark contrast in these ratios reinforces the notion that Guj. Credit Corp is not only overvalued but also struggling significantly relative to its competitors. Furthermore, the company's year-to-date return of -44.76% starkly contrasts with the Sensex's positive return of 7.44%, further emphasizing its underperformance in the market.