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. This indicates a significant shift in the company's perceived value, suggesting that it is overvalued. The company currently has a PE ratio of 13.45, an EV to EBIT ratio of 19.69, and a PEG ratio of 0.05, which are all indicative of high valuation metrics compared to its peers.
In comparison to its peers, Bajaj Finance has a much higher PE ratio of 38.09, while Life Insurance is valued more attractively with a PE ratio of 11.44. The substantial difference in these ratios highlights S P Capital Fin.'s overvaluation in the current market. Additionally, the company's recent stock performance shows a year-to-date decline of 7.41%, contrasting with the Sensex's gain of 6.50%, further reinforcing the notion that S P Capital Fin. is overvalued in the current market environment.