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 include a PE Ratio of 19.56, an EV to EBIT of 14.79, and a PEG Ratio of 0.23, which suggests that the stock is priced favorably relative to its earnings growth potential.
In comparison to its peers, Haryana Capfin's valuation stands out against Life Insurance, which has a PE Ratio of 12.26, and Bajaj Finance, which is classified as very expensive with a PE Ratio of 33.79. The attractive valuation of Haryana Capfin is further supported by its low PEG Ratio, indicating that it may offer a better growth opportunity relative to its price compared to peers. Despite a recent decline in stock performance relative to the Sensex, particularly with a year-to-date return of -34.71% versus the Sensex's 5.46%, the long-term performance remains strong, with a 3-year return of 308.33%.