Is Real Touch Fin overvalued or undervalued?

As of 4 July 2025, the valuation grade for Real Touch Fin has moved from very attractive to attractive, indicating a shift in perception regarding its value. The company is currently considered fairly valued. Key ratios include a PE ratio of 14.32, an EV to EBITDA of 11.42, and a PEG ratio of 0.19, which suggests that the stock is reasonably priced relative to its growth potential.
In comparison to its peers, Real Touch Fin's PE ratio is higher than Life Insurance's 12.32 but significantly lower than Bajaj Finance's 34.56, which is categorized as very expensive. The EV to EBITDA ratio of 11.42 is also more favorable than Bajaj Finserv's 13.39, further supporting the conclusion that Real Touch Fin is fairly valued within its industry. Recent stock performance has lagged behind the Sensex, with a year-to-date return of -36.97% compared to the Sensex's 6.77%, reinforcing the cautious outlook on its valuation.