Is Sangam Finserv overvalued or undervalued?

As of 10 November 2025, Sangam Finserv's valuation grade has moved from expensive to fair, indicating a more favorable assessment of its market position. The company is currently fairly valued based on its financial metrics. Key ratios include a PE Ratio of 18.02, an EV to EBIT of 11.89, and a Price to Book Value of 1.17, which align closely with its peer group.
In comparison to its peers, Sangam Finserv's PE ratio is significantly lower than Bajaj Finance's 38.76, which is classified as very expensive, while it is more favorable than Life Insurance's attractive valuation with a PE of 11.14. This suggests that Sangam Finserv is positioned competitively within the market. Notably, despite a year-to-date return of -36.07%, the company has outperformed the Sensex over the past three and five years, with returns of 212.31% and 532.89%, respectively, reinforcing its long-term growth potential.