Is PTC India Fin overvalued or undervalued?

Oct 20 2025 08:05 AM IST
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As of October 17, 2025, PTC India Fin is considered overvalued despite a low PE ratio of 7.18 compared to peers, with a year-to-date return of -19.66%, indicating a shift in valuation perception from very expensive to expensive.
As of 17 October 2025, the valuation grade for PTC India Fin has moved from very expensive to expensive, indicating a shift in perception regarding its market valuation. The company is currently considered overvalued based on its financial metrics. Key ratios include a PE ratio of 7.18, an EV to EBIT of 6.03, and a PEG ratio of 0.09, which suggest that the stock may not be priced appropriately relative to its earnings growth potential.

In comparison to peers, PTC India Fin's PE ratio of 7.18 is significantly lower than Bajaj Finance's PE of 38.21 and Life Insurance's PE of 11.49, highlighting its relative undervaluation within the sector. However, the overall assessment still leans towards overvaluation, especially given the company's recent stock performance, which has underperformed the Sensex with a year-to-date return of -19.66% compared to the Sensex's 7.44%.
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