Is PTC India Fin overvalued or undervalued?

As of 17 July 2025, PTC India Fin's valuation grade has moved from attractive to fair. The company is currently fairly valued based on its financial metrics. The PE ratio stands at 12.52, while the EV to EBITDA ratio is 7.43, and the PEG ratio is notably low at 0.36, indicating potential growth at a reasonable price. In comparison to its peers, PTC India Fin's PE ratio is slightly higher than Life Insurance's 12.12 but significantly lower than Bajaj Finance's 34.51, which is categorized as very expensive. Additionally, the company's ROCE of 13.21% and ROE of 7.88% suggest it is generating reasonable returns relative to its equity. While PTC India Fin has underperformed the Sensex over the past year, it has shown resilience with a 180.26% return over the last three years, which may appeal to long-term investors.