Is S P Capital Fin. overvalued or undervalued?

As of 12 September 2025, the valuation grade for S P Capital Fin. has moved from expensive to fair, indicating a more favorable assessment of its market position. The company is currently fairly valued based on its financial metrics. Key ratios include a PE ratio of 10.85, an EV to EBITDA of 18.65, and a PEG ratio of 0.04, which suggests strong growth potential relative to its price.
In comparison to its peers, S P Capital Fin. stands out with a significantly lower PE ratio than Bajaj Finance, which is very expensive at 35.82, and Life Insurance, which is very attractive at 11.36. The company’s return on equity (ROE) is 3.64%, which is modest compared to the industry, but its low PEG ratio indicates potential for future growth. Despite recent stock performance lagging behind the Sensex, particularly with a year-to-date return of -25.36% compared to the Sensex's 4.82%, the valuation metrics suggest that S P Capital Fin. is positioned reasonably within its market context.