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 that the company is currently overvalued. Key ratios include a PE ratio of 13.45, an EV to EBIT of 19.69, and a PEG ratio of 0.05, which suggests that despite a low growth expectation, the stock is priced at a premium compared to its earnings growth potential.
When compared to peers, S P Capital Fin. has a lower PE ratio than Bajaj Finance, which stands at 38.09, yet it is still categorized as very expensive. In contrast, Life Insurance, which is rated very attractive, has a PE ratio of 11.44, highlighting a significant valuation discrepancy within the sector. Additionally, while S P Capital Fin. has shown a strong return over the past three years at 264.65%, it has underperformed the Sensex year-to-date and over the past month, indicating that its current valuation may not be justified by its recent performance.