Is Satin Creditcare overvalued or undervalued?

As of 7 November 2025, the valuation grade for Satin Creditcare has moved from attractive to very attractive. The company is currently considered undervalued, with a PE ratio of 12.44, a price-to-book value of 0.66, and an EV to EBITDA ratio of 6.75. These metrics suggest that Satin Creditcare is trading at a significant discount compared to its peers, such as Bajaj Finance, which has a PE ratio of 38.09, and Bajaj Finserv, with a PE ratio of 35.3.
In comparison to its industry, Satin Creditcare's PEG ratio stands at 0.00, indicating strong growth potential relative to its price. The company's return on capital employed (ROCE) is 12.82%, and return on equity (ROE) is 7.32%, further supporting its valuation as attractive. Despite recent underperformance relative to the Sensex over the past year, where Satin Creditcare returned -8.05% compared to the Sensex's 4.62%, the fundamental metrics indicate that it remains a compelling investment opportunity.