Is S P Capital Fin. overvalued or undervalued?

As of 26 June 2025, the valuation grade for S P Capital Fin. has moved from expensive to fair, indicating a more favorable assessment of its valuation. The company is currently fairly valued. Key ratios include a PE ratio of 27.66, an EV to EBITDA ratio of 29.36, and a PEG ratio of 0.49, which suggests that the stock may be undervalued relative to its growth prospects.
In comparison to its peers, S P Capital Fin. stands out against Life Insurance, which has a PE ratio of 12.52 and an EV to EBITDA of 9.87, and IRFC, which has a PE ratio of 28.01 and an EV to EBITDA of 21.78. While S P Capital Fin. has shown weaker recent performance with a year-to-date return of -31.29% compared to the Sensex's 7.19%, its long-term performance over three and five years has been significantly better, with returns of 162.86% and 192.06%, respectively.