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. This indicates that the stock is currently overvalued. The company's PE ratio stands at 13.14, with a Price to Book Value of 1.45 and an EV to EBITDA ratio of 19.57. These figures suggest that the stock is trading at a premium compared to its earnings and book value.
In comparison to peers, S P Capital Fin. has a lower PE ratio than Bajaj Finance, which is at 37.67, but is significantly higher than Life Insurance's PE of 11.76, indicating a relative overvaluation within its sector. Additionally, the PEG ratio of 0.05 highlights a stark contrast to Bajaj Finance's PEG of 2.34, further emphasizing the expensive nature of S P Capital Fin. Despite a strong historical performance over the long term, recent stock returns have lagged behind the Sensex, with a year-to-date decline of 9.56% compared to a 6.81% gain for the index, reinforcing the notion that the stock is currently overvalued.