Is PTC India Fin overvalued or undervalued?

As of 28 October 2025, the valuation grade for PTC India Fin has moved from expensive to fair. The company appears to be undervalued based on several key ratios, including a PE ratio of 6.77, a Price to Book Value of 0.08, and an EV to EBITDA of -7.55. These figures suggest that the stock is trading at a significant discount compared to its intrinsic value.
In comparison to its peers, PTC India Fin's valuation metrics stand out, particularly against Bajaj Finance, which is very expensive with a PE ratio of 38.39, and Life Insurance, which is very attractive with a PE ratio of 11.69. The stark contrast in valuation highlights PTC India Fin's potential for appreciation. Additionally, while the company's recent stock performance has lagged behind the Sensex on a year-to-date basis, it has significantly outperformed the index over the past three years, reinforcing the case for its current undervaluation.