Is P. H. Capital overvalued or undervalued?

As of 14 November 2025, P. H. Capital's valuation grade has moved from attractive to very expensive, indicating a significant shift in its perceived value. The company is currently considered overvalued. Key ratios include a PE ratio of 36.58, an EV to EBIT of 8.05, and a ROE of 2.42%.
In comparison to its peers, Bajaj Finance has a PE ratio of 34.62, while Life Insurance stands out with a much lower PE of 11.25, showcasing the disparity in valuation within the sector. Notably, P. H. Capital's recent stock performance has lagged behind the Sensex, with a year-to-date return of -43.49% compared to the Sensex's 8.22%, further reinforcing the view that the stock is overvalued at its current price of 178.00.