Is Real Touch Fin overvalued or undervalued?

As of 7 November 2025, the valuation grade for Real Touch Fin has moved from attractive to fair, indicating a shift in perception regarding its market value. The company is currently fairly valued, with a PE ratio of 13.31, an EV to EBITDA ratio of 10.81, and a PEG ratio of 0.17, which suggests that it is priced reasonably compared to its growth prospects.
In comparison to its peers, Real Touch Fin's valuation metrics stand out, particularly when contrasted with Bajaj Finance, which has a significantly higher PE ratio of 38.09, and Life Insurance, which is considered very attractive with a PE of 11.44. The company's recent stock performance shows a 3.10% return over the past week, outperforming the Sensex, which declined by 0.86%. However, its year-to-date return of -37.58% highlights a challenging period, despite the long-term performance being robust with a 5-year return of 1126.19%.