Is Haryana Capfin overvalued or undervalued?

As of 22 August 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, particularly in comparison to its peers. Key ratios include a PE Ratio of 19.11, an EV to EBIT of 14.46, and a PEG Ratio of 0.25, which suggests strong growth potential relative to its price.
When comparing Haryana Capfin to its peers, Life Insurance has a PE Ratio of 11.55 and an EV to EBITDA of 8.99, while Bajaj Finance is significantly more expensive with a PE Ratio of 31.91. This highlights Haryana Capfin's relative attractiveness in the market. Additionally, while the stock has underperformed against the Sensex year-to-date with a return of -38.04% compared to the Sensex's 4.05%, its long-term performance over five years shows a remarkable return of 588.89%, reinforcing its potential for recovery and growth.