Is Satin Creditcare overvalued or undervalued?

As of 17 October 2025, Satin Creditcare's valuation grade has moved from very attractive to attractive. The company is currently considered undervalued based on its financial ratios. The PE ratio stands at 12.81, while the EV to EBITDA ratio is 7.14, and the Price to Book Value is notably low at 0.63.
In comparison with peers, Bajaj Finance is categorized as very expensive with a PE ratio of 38.21, while Life Insurance is viewed as very attractive with a PE ratio of 11.49. This suggests that Satin Creditcare is positioned favorably within its industry, especially considering its ROE of 7.32% and ROCE of 12.82%. Despite recent underperformance relative to the Sensex, with a 1-year return of -24.39% compared to the Sensex's 3.64%, the valuation metrics indicate that the company presents a compelling investment opportunity.