Is Haryana Capfin overvalued or undervalued?

As of 25 June 2025, Haryana Capfin's valuation grade has moved from attractive to fair, indicating a shift in its perceived value. The company is currently fairly valued, with a PE ratio of 21.15, an EV to EBIT of 16.00, and a PEG ratio of 0.25. In comparison to its peers, Life Insurance has a PE of 12.45 and an EV to EBITDA of 9.8, while Bajaj Finance is considered very expensive with a PE of 34.67 and an EV to EBITDA of 19.39.
Despite the recent stock performance showing a 5.45% return over the past week compared to the Sensex's 1.61%, the year-to-date return of -29.38% suggests that the stock has underperformed the market significantly. Overall, the current ratios and peer comparisons indicate that Haryana Capfin is fairly valued within its industry context.