Is Sangam Finserv overvalued or undervalued?

As of 7 November 2025, Sangam Finserv's valuation grade has moved from fair to expensive, indicating a shift towards overvaluation. The company is currently assessed as overvalued, with a PE ratio of 18.62, an EV to EBIT of 12.26, and a PEG ratio of 3.85. These ratios suggest that the stock is priced higher relative to its earnings growth potential compared to its peers.
In comparison to notable peers, Bajaj Finance is categorized as very expensive with a PE ratio of 38.09, while Life Insurance is viewed as very attractive with a PE of 11.44. This peer comparison highlights that Sangam Finserv's valuation is on the higher end within its industry, especially when juxtaposed against more attractively valued companies. Additionally, despite recent strong performance with a 14.42% return over the past week, the year-to-date return of -33.93% contrasts sharply with the Sensex's 6.50% gain, reinforcing the notion of overvaluation in the current market context.