Is S P Capital Fin. overvalued or undervalued?

Nov 07 2025 08:08 AM IST
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As of November 6, 2025, S P Capital Fin. is considered overvalued with an expensive valuation grade, reflected in its PE ratio of 12.99, price to book value of 1.44, and EV to EBITDA of 19.51, despite a lower PE than Bajaj Finance and a higher PEG ratio of 0.05, while its year-to-date performance has underperformed the Sensex by -10.58%.
As of 6 November 2025, the valuation grade for S P Capital Fin. has moved from very expensive to expensive. The company is currently considered overvalued based on its financial ratios. The PE ratio stands at 12.99, while the price to book value is 1.44, and the EV to EBITDA is 19.51. These figures suggest that the stock is trading at a premium compared to its earnings and book value.

In comparison to its peers, S P Capital Fin. has a lower PE ratio than Bajaj Finance, which is at 37.19, but higher than Life Insurance, which is at 11.62. Additionally, the PEG ratio of 0.05 indicates that the stock is undervalued relative to its growth prospects, yet the overall valuation remains expensive. Notably, the company's recent stock performance has lagged behind the Sensex, with a year-to-date return of -10.58% compared to the Sensex's 6.62%, reinforcing the perception of overvaluation.
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