Is Haryana Capfin overvalued or undervalued?

As of 18 July 2025, Haryana Capfin's valuation grade has moved from attractive to very attractive, indicating a strong improvement in its perceived value. The company is currently undervalued, with a PE ratio of 20.38, an EV to EBITDA ratio of 15.41, and a PEG ratio of 0.24, suggesting that it offers significant growth potential relative to its price.
In comparison to its peers, Haryana Capfin's PE ratio is notably higher than Life Insurance, which stands at 12.08, while Bajaj Finance is classified as very expensive with a PE of 35.18. Additionally, the company's EV to Sales ratio of 14.16 is competitive, especially when compared to the industry average. Despite a challenging year-to-date return of -31.98% versus the Sensex's 4.63%, the long-term performance remains robust, with a remarkable 666.23% return over the past five years, reinforcing the attractiveness of its current valuation.