Is Saraswati Commer overvalued or undervalued?

As of 14 November 2025, the valuation grade for Saraswati Commer has moved from expensive to very expensive. This indicates a significant shift in the perception of its valuation, leading to the conclusion that the company is overvalued. Key ratios supporting this assessment include a PE Ratio of 70.75, an EV to EBIT of 51.38, and an ROE of only 2.01%.
In comparison to its peers, Saraswati Commer's valuation stands out unfavorably; for instance, Bajaj Finance has a PE of 34.62 and an EV to EBITDA of 19.53, while Life Insurance boasts a much lower PE of 11.25 and an EV to EBITDA of 9.29. The stark contrast in these ratios highlights the overvaluation of Saraswati Commer within its industry. Additionally, despite a strong 3-year return of 319.41%, the company's year-to-date performance has been disappointing at -29.10%, further reinforcing the notion that its current price does not reflect its underlying value.