Is Mangal Credit overvalued or undervalued?

As of 14 November 2025, Mangal Credit's valuation grade has moved from expensive to fair, indicating a more favorable assessment of its market position. The company is currently fairly valued, with a PE ratio of 30.10, a Price to Book Value of 2.68, and an EV to EBITDA of 13.95. In comparison to its peers, Bajaj Finance is considered very expensive with a PE of 34.62, while Life Insurance stands out as very attractive with a PE of 11.25.
Mangal Credit's financial metrics suggest it is positioned competitively within its sector. The PEG ratio is notably low at 0.00, indicating potential for growth relative to its price. While the company's recent stock performance has lagged behind the Sensex over the past week and month, it has outperformed the index significantly on a year-to-date basis and over the last five years, reinforcing the notion that it may be a solid investment opportunity at its current valuation.