Is S P Capital Fin. overvalued or undervalued?

As of 7 November 2025, the valuation grade for S P Capital Fin. has moved from expensive to very expensive, indicating a significant shift in its perceived value. The company is currently overvalued based on key financial ratios, including a PE Ratio of 13.45, an EV to EBIT of 19.69, and a Price to Book Value of 1.49. 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.'s valuation stands out as relatively high. For instance, Bajaj Finance has a much higher PE Ratio of 38.09, while Life Insurance is valued more attractively with a PE of 11.44. Additionally, while S P Capital Fin. has a PEG Ratio of 0.05, indicating potential growth, it still lags behind more competitive peers in the sector. Despite a strong historical performance over the long term, recent returns show a decline, with a year-to-date return of -7.41% compared to the Sensex's 6.50%, reinforcing the notion that the stock may be overvalued at its current price of 61.99.