Is Ladderup Finance overvalued or undervalued?

As of 1 October 2025, Ladderup Finance's valuation grade has moved from expensive to fair, indicating a more favorable assessment of its market position. The company is currently fairly valued, supported by a PE ratio of 18.17, an EV to EBITDA ratio of 15.20, and a PEG ratio of 0.10. These ratios suggest that the stock is reasonably priced relative to its earnings and growth potential.
When compared to its peers, Ladderup Finance stands out with a significantly lower PE ratio than Bajaj Finance, which is at 35.27, and a more attractive EV to EBITDA ratio than Bajaj Finserv at 12.78. Additionally, while Ladderup Finance's ROCE is at 3.25% and ROE at 1.94%, these figures highlight the company's current challenges in generating returns compared to its competitors. Despite recent underperformance, with a year-to-date return of -31.94% versus a 3.64% gain in the Sensex, the valuation metrics suggest that Ladderup Finance may present a more attractive investment opportunity moving forward.