Is Mangal Credit overvalued or undervalued?

As of 14 November 2025, Mangal Credit's valuation grade has moved from expensive to fair, indicating a shift in its market perception. The company is currently fairly valued, with a PE ratio of 30.10, an EV to EBITDA of 13.95, and a ROE of 8.92%. When compared to 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.
In terms of performance, Mangal Credit's stock has shown strong returns, outperforming the Sensex over the past year with a return of 25.07% compared to the Sensex's 9.00%. This suggests that while the company is fairly valued, its growth potential and recent performance may still attract investor interest.