Is Saraswati Commer overvalued or undervalued?

As of 1 July 2025, the valuation grade for Saraswati Commer 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 30.93, an EV to EBITDA of 23.75, and a ROCE of 7.13%.
When compared to its peers, Saraswati Commer's PE ratio is significantly higher than Life Insurance's PE of 12.71 and I R F C's PE of 28.43, suggesting that while it is fairly valued, it is still on the higher end relative to some competitors. The recent stock performance shows a notable 90.93% return over the past year, outperforming the Sensex's 5.31%, which reinforces the positive valuation outlook.