Is S P Capital Fin. overvalued or undervalued?

As of 20 June 2025, the valuation grade for S P Capital Fin. has moved from expensive to fair, indicating a shift in its perceived value. The company is currently fairly valued based on its financial metrics. Key ratios include a PE ratio of 27.24, an EV to EBITDA of 29.27, and a PEG ratio of 0.48, which suggests that the stock may be undervalued relative to its growth potential.
When compared to peers, S P Capital Fin. stands out against Life Insurance, which has a PE ratio of 12.26, and Bajaj Finance, which is classified as very expensive with a PE ratio of 33.79. This comparison highlights that while S P Capital Fin. is fairly valued, it is more attractive than some of its more expensive peers. Additionally, the company's recent stock performance has lagged behind the Sensex, with a year-to-date return of -32.34% compared to the Sensex's 5.46%, reinforcing the notion of potential undervaluation in the current market context.