Is NPR Finance overvalued or undervalued?

As of 4 November 2025, NPR Finance's valuation grade has moved from fair to expensive, indicating a shift in its market perception. The company is currently considered overvalued based on its financial metrics. Key ratios include a PE Ratio of 34.06, an EV to EBIT of 10.06, and a ROE of 1.02%.
In comparison to its peers, Bajaj Finance has a higher PE Ratio of 37.67 and an EV to EBITDA of 20.06, while Life Insurance stands out with an attractive EV to EBITDA of 9.18. The current price of NPR Finance at 29.00 reflects a significant decline in stock performance, with a 1-month return of -17.89% compared to a positive 2.77% return for the Sensex, reinforcing the notion of overvaluation in the current market context.