Is S P Capital Fin. overvalued or undervalued?

As of 17 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 its financial ratios, which include a PE ratio of 8.06, an EV to EBIT of 14.12, and a PEG ratio of 0.03. These figures suggest that the stock is trading at a premium compared to its earnings growth potential.
In comparison to its peers, S P Capital Fin. stands out as very expensive, especially when juxtaposed with Bajaj Finance, which has a PE ratio of 34.85, and Life Insurance, which is rated very attractive with a PE of 11.33. The company's recent stock performance has lagged behind the Sensex, with a year-to-date return of -9.04% compared to the Sensex's 8.72%, further reinforcing the overvaluation narrative.