Is NPR Finance overvalued or undervalued?

As of 31 October 2025, NPR Finance has moved from an expensive to a fair valuation grade. The company appears to be fairly valued based on its current metrics. Key ratios include a PE Ratio of 34.35, an EV to EBIT of 10.21, and a Price to Book Value of 0.35.
In comparison to its peers, NPR Finance's PE Ratio is slightly lower than Bajaj Finance's 37.23, which is classified as very expensive, while Life Insurance stands out as very attractive with a PE of 11.62. The company's recent stock performance has lagged behind the Sensex, particularly over the past month, where it has seen a decline of 21.62% compared to a 3.65% gain in the Sensex. Overall, NPR Finance seems to be fairly valued within its industry context.