Is SBFC Finance overvalued or undervalued?

As of 31 October 2025, the valuation grade for SBFC Finance has moved from expensive to fair. The company is currently fairly valued based on its financial metrics. Key ratios include a PE Ratio of 34.09, an EV to EBITDA of 18.16, and a ROE of 11.52%.
In comparison to peers, SBFC Finance's PE Ratio is lower than Bajaj Finance, which stands at 37.23, indicating that SBFC may offer better value relative to its earnings. In contrast, Life Insurance, which is rated very attractive, has a significantly lower PE Ratio of 11.62, suggesting it is a more appealing investment at its current valuation. Notably, SBFC Finance has outperformed the Sensex with a year-to-date return of 26.17% compared to the Sensex's 7.42%, reinforcing its fair valuation status.