Is PTC India Fin overvalued or undervalued?

As of 14 July 2025, PTC India Fin has moved from a fair to an attractive valuation grade. The company is currently considered undervalued, supported by a PE ratio of 12.45, an EV to EBIT of 7.48, and a PEG ratio of 0.36. These ratios indicate that the stock is trading at a discount compared to its earnings growth potential.
In comparison with peers, PTC India Fin's PE ratio is lower than that of Life Insurance at 11.99, which is rated fair, while it is significantly more attractive than Bajaj Finance, which is deemed very expensive at a PE of 34.32. Additionally, PTC India Fin's EV to EBITDA of 7.40 is more favorable than the industry average, suggesting it offers better value relative to earnings before interest, taxes, depreciation, and amortization. Despite a recent decline in stock performance over the past year, the company's strong long-term returns of 178.68% over three years reinforce its undervalued status.