Is Satin Creditcare overvalued or undervalued?

As of 20 October 2025, Satin Creditcare's valuation grade has moved from attractive to very attractive, indicating a positive shift in its perceived value. The company is currently considered undervalued, supported by a PE ratio of 12.81, a Price to Book Value of 0.63, and an EV to EBIT of 7.30. These ratios suggest that Satin Creditcare is trading at a discount compared to its intrinsic value.
In comparison to its peers, Satin Creditcare's valuation metrics stand out favorably. For instance, Bajaj Finance is categorized as very expensive with a PE ratio of 38.6, while Life Insurance, which is very attractive, has a PE ratio of 11.57. This positions Satin Creditcare as a more appealing investment opportunity within the finance industry. Additionally, despite recent underperformance relative to the Sensex, particularly over the past year with a stock return of -19.89% versus the Sensex's 3.86%, the company's strong valuation metrics suggest potential for recovery and growth.