Is S P Capital Fin. overvalued or undervalued?

As of 29 October 2025, the valuation grade for S P Capital Fin. has moved from expensive to very expensive, indicating a significant increase in perceived overvaluation. The company is currently considered overvalued. Key ratios include a PE ratio of 14.54, an EV to EBIT ratio of 20.13, and a PEG ratio of 0.06, which suggests that while earnings growth may be anticipated, the current price does not justify the valuation.
In comparison to peers, Bajaj Finance has a much higher PE ratio of 37.96, while Life Insurance shows a more attractive valuation with a PE of 11.8. This highlights that S P Capital Fin.'s valuation is not only high relative to its own historical metrics but also compared to some competitors in the diversified commercial services industry. Notably, the company's stock has outperformed the Sensex over the past week and month, but the overall valuation still suggests that it is not a favorable investment at this time.