Is S P Capital Fin. overvalued or undervalued?

As of 31 October 2025, S P Capital Financial has moved from a valuation grade of very expensive to expensive. The company is currently considered overvalued based on its financial ratios. Key ratios include a PE ratio of 13.54, an EV to EBITDA of 19.73, and a PEG ratio of 0.05, which indicates potential growth at a low price relative to earnings growth.
In comparison to peers, S P Capital Fin. has a lower PE ratio than Bajaj Finance, which stands at 37.23, and a higher EV to EBITDA ratio than Life Insurance, which is 9.05. Despite the recent stock performance showing a 9% return over the past year compared to the Sensex's 5.73%, the overall valuation suggests that S P Capital Fin. is not positioned favorably in the market.