Is Satin Creditcare overvalued or undervalued?

As of 30 October 2025, Satin Creditcare's valuation grade has moved from very attractive to attractive. The company is currently considered undervalued, with a PE ratio of 12.98, an EV to EBIT of 6.95, and an EV to EBITDA of 6.80. In comparison to its peers, Bajaj Finance is categorized as very expensive with a PE ratio of 37.56, while Life Insurance is very attractive with a PE ratio of 11.69, indicating that Satin Creditcare is positioned favorably within its industry.
Despite a recent stock return of 7.78% over the past week, which outperformed the Sensex's slight decline, the company's overall performance over the past year shows a modest decline of 1.44%, contrasting with the Sensex's gain of 5.58%. This suggests that while the stock has had short-term gains, it still faces challenges in the longer term. Overall, Satin Creditcare appears to be undervalued relative to its peers and current market conditions.