Is NPR Finance overvalued or undervalued?

As of 10 November 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, with a PE ratio of 38.10, an EV to EBIT of 12.12, and an EV to Sales ratio of 1.87. Notably, its Price to Book Value stands at a low 0.39, suggesting potential undervaluation relative to its assets.
In comparison to peers, NPR Finance's PE ratio is slightly lower than Bajaj Finance's 38.76, which is categorized as very expensive, while it is significantly higher than Life Insurance's attractive PE of 11.14. Additionally, NPR Finance's PEG ratio is 0.00, indicating no expected growth, which contrasts with Bajaj Finserv's PEG of 2.53. Despite a mixed performance against the Sensex, NPR Finance has shown strong returns over the longer term, particularly a 185.81% return over five years, reinforcing its current valuation status.