Is Satin Creditcare overvalued or undervalued?

As of 7 November 2025, the valuation grade for Satin Creditcare has moved from attractive to very attractive, indicating a significant improvement in its perceived value. The company is currently considered undervalued, supported by a PE ratio of 12.44, a price to book value of 0.66, and an EV to EBITDA ratio of 6.75. These ratios suggest that Satin Creditcare is trading at a discount compared to its earnings and book value.
In comparison to its peers, Satin Creditcare's valuation metrics stand out favorably. For instance, Bajaj Finance is deemed very expensive with a PE ratio of 38.09, while Life Insurance, which is very attractive, has a PE ratio of 11.44. This peer comparison reinforces the notion that Satin Creditcare is undervalued relative to its industry counterparts. Despite recent stock performance lagging behind the Sensex over the past year, the long-term outlook remains positive, particularly with a notable 176.09% return over the past five years.