Is S P Capital Fin. overvalued or undervalued?

As of 31 October 2025, the valuation grade for S P Capital Fin. has moved from very expensive to expensive. The company is currently considered overvalued. Key ratios include a PE ratio of 13.54, an EV to EBIT of 19.73, and a PEG ratio of 0.05, which indicates a significant discrepancy in growth expectations relative to its earnings.
In comparison to peers, Bajaj Finance is categorized as very expensive with a PE ratio of 37.23, while Life Insurance is seen as very attractive with a PE ratio of 11.62. This suggests that S P Capital Fin. is trading at a premium compared to some peers, despite its lower growth metrics. Notably, while the stock has underperformed the Sensex year-to-date, it has shown strong returns over longer periods, indicating potential for recovery.