Is PTC India Fin overvalued or undervalued?

As of 1 July 2025, PTC India Fin's valuation grade has moved from expensive to fair, indicating a more favorable assessment of its stock price. The company is currently fairly valued based on its key financial ratios, including a PE ratio of 12.54, an EV to EBITDA of 7.43, and a PEG ratio of 0.36. These metrics suggest that the stock is reasonably priced in comparison to its earnings growth potential.
In terms of peer comparison, PTC India Fin's PE ratio is slightly lower than that of Life Insurance at 12.71, which is also rated fair, while it significantly undercuts Bajaj Finance, which is deemed very expensive with a PE of 34.98. The company's return performance has been mixed, with a 1-month return of 14.78% compared to the Sensex's 2.76%, but a year-to-date decline of 1.51% against the Sensex's 7.11%. Overall, PTC India Fin appears to be fairly valued within its sector, offering a reasonable investment opportunity.