Is Satin Creditcare overvalued or undervalued?

Nov 11 2025 08:13 AM IST
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As of November 10, 2025, Satin Creditcare is considered undervalued with a valuation grade of attractive, featuring a PE ratio of 12.55, an EV to EBIT of 6.91, and a Price to Book Value of 0.66, which are significantly lower than its peers like Bajaj Finance and Bajaj Finserv, despite recent underperformance against the Sensex, supported by strong historical returns of 177.29% over five years.
As of 10 November 2025, Satin Creditcare's valuation grade has moved from very attractive to attractive, indicating a shift in its perceived value. The company is currently considered undervalued. Key ratios include a PE ratio of 12.55, an EV to EBIT of 6.91, and a Price to Book Value of 0.66, which suggest that the stock is trading at a discount compared to its earnings and book value.

In comparison to its peers, Satin Creditcare's PE ratio is significantly lower than that of Bajaj Finance, which stands at 38.76, and also lower than Bajaj Finserv at 35.58. Additionally, Life Insurance, categorized as very attractive, has a PE ratio of 11.14, indicating that Satin Creditcare remains competitively priced within its sector. Despite recent underperformance against the Sensex over one year, the company's strong historical returns over five years at 177.29% reinforce its potential for future growth.
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