Is Haryana Capfin overvalued or undervalued?

As of 20 June 2025, Haryana Capfin's valuation grade has moved from fair to attractive, indicating a positive shift in its perceived value. The company is currently considered undervalued. Key ratios supporting this assessment include a PE ratio of 19.56, an EV to EBITDA of 14.79, and a PEG ratio of 0.23, which suggests strong growth potential relative to its price.
In comparison to its peers, Haryana Capfin's valuation metrics stand out. For instance, Life Insurance has a PE ratio of 12.26 and an EV to EBITDA of 9.63, while Bajaj Finance is significantly more expensive with a PE of 33.79. Despite recent stock performance showing a decline of 34.71% year-to-date compared to a 5.46% rise in the Sensex, the long-term outlook remains strong, as evidenced by a remarkable 308.33% return over three years.