Is I R F C overvalued or undervalued?

As of 15 October 2025, the valuation grade for I R F C has moved from expensive to fair. Based on the analysis, the company appears to be fairly valued at this time. The key ratios include a PE Ratio of 23.86, an EV to EBIT of 21.33, and a ROE of 12.56%. When compared to peers, I R F C's valuation stands out against Bajaj Finance, which is deemed very expensive with a PE of 37.84, and Life Insurance, which is very attractive with a PE of 11.69. Notably, I R F C's PEG Ratio of 4.71 suggests that while growth expectations are high, they are not excessively out of line with its current valuation. Additionally, the company's stock has underperformed the Sensex year-to-date, with a return of -16.24% compared to the Sensex's 5.72%, reinforcing the notion that the stock is currently fairly valued.