Is S P Capital Fin. overvalued or undervalued?

As of 4 November 2025, the valuation grade for S P Capital Fin. has moved from expensive to very expensive, indicating a significant shift in its perceived market value. The company is currently assessed as overvalued. Key ratios reveal a PE Ratio of 13.14, an EV to EBITDA of 19.57, and a PEG Ratio of 0.05, which suggests that while the earnings growth potential is low, the current pricing may not reflect the company's fundamentals.
In comparison to its peers, S P Capital Fin. stands out with a PE Ratio lower than Bajaj Finance's 37.67 and Life Insurance's 11.76, which is categorized as very attractive. Additionally, the company's ROCE of 3.48% and ROE of 3.64% are relatively low, further supporting the overvaluation stance. The recent stock performance shows a decline of 9.56% year-to-date, contrasting with the Sensex's gain of 6.81%, reinforcing concerns about its current valuation.