Is Mangal Credit overvalued or undervalued?

As of 17 November 2025, Mangal Credit's valuation grade has moved from fair to expensive, indicating a shift in its perceived market value. The company appears to be overvalued at this time. Key ratios include a PE ratio of 29.63, an EV to EBITDA of 13.81, and a Price to Book Value of 2.64, all suggesting a premium valuation compared to its peers.
In comparison to notable competitors, Bajaj Finance has a PE ratio of 34.85 and an EV to EBITDA of 19.61, while Life Insurance stands out with a PE of 11.33 and an EV to EBITDA of 9.36, highlighting the disparity in valuation within the sector. Despite Mangal Credit's strong historical stock performance, including a 23.11% return over the past year compared to the Sensex's 9.50%, the current valuation metrics suggest that the stock is priced too high relative to its earnings potential.