Is NPR Finance overvalued or undervalued?

As of 31 October 2025, NPR Finance's valuation grade has moved from expensive to fair, indicating a more favorable assessment of its market position. The company is currently fairly valued based on its financial metrics, with a PE ratio of 34.35, an EV to EBIT ratio of 10.21, and a Price to Book Value of 0.35.
In comparison with its peers, NPR Finance's PE ratio is lower than Bajaj Finance's 37.23 and higher than Life Insurance's 11.62, while its EV to EBITDA ratio aligns with the industry average of 10.21. Notably, NPR Finance's PEG ratio stands at 0.00, suggesting potential growth opportunities that are not being reflected in its current stock price. Despite recent underperformance compared to the Sensex, particularly over the past month, the longer-term returns of 146.21% over five years highlight the company's resilience and potential for recovery.