Is NCL Res. & Finl. overvalued or undervalued?

As of 6 October 2025, the valuation grade for NCL Res. & Finl. has moved from attractive to very attractive, indicating a significant improvement in its perceived value. The company is currently considered undervalued. Key ratios include a PE ratio of 25.16, an EV to EBITDA of 18.44, and a PEG ratio of 0.07, which suggests strong growth potential relative to its price.
In comparison to its peers, NCL Res. & Finl. stands out with a much lower PEG ratio than Bajaj Finance, which is very expensive at 2.23, and Life Insurance, which is very attractive at 0.72. The EV to EBITDA ratio of 18.44 also positions NCL favorably against Bajaj Finserv, which has an EV to EBITDA of 12.87 but is still considered expensive. Despite recent stock performance lagging behind the Sensex, particularly with a year-to-date return of -26.25% compared to the Sensex's 4.67%, the underlying valuation metrics suggest that NCL Res. & Finl. presents a compelling investment opportunity.