Is Satin Creditcare overvalued or undervalued?

As of 7 November 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 based on its financial metrics. Key ratios include a PE ratio of 12.44, an EV to EBITDA ratio of 6.75, and a Price to Book Value of 0.66, all of which suggest that the stock is trading at a discount compared to its intrinsic value.
In comparison to peers, Satin Creditcare's PE ratio is significantly lower than Bajaj Finance, which has a PE of 38.09, and Bajaj Finserv at 35.3, both categorized as very expensive. Additionally, Life Insurance, which is very attractive, has a PE of 11.44, indicating that Satin Creditcare remains competitively priced within its industry. Despite recent underperformance against the Sensex over the past year, the long-term outlook remains strong, with a 5-year return of 176.09%, suggesting potential for recovery and growth.