Is Shalibhadra Fin. overvalued or undervalued?

As of 17 October 2025, the valuation grade for Shalibhadra Fin. has moved from fair to expensive, indicating a shift in perception regarding its value. The company appears to be overvalued at this time. Key ratios include a PE ratio of 20.84, an EV to EBITDA of 14.65, and a Price to Book Value of 2.32, all suggesting that the stock is trading at a premium compared to its earnings and book value.
In comparison to peers, Shalibhadra Fin. has a PE ratio that is lower than Bajaj Finance's 38.21 but higher than Life Insurance's 11.49, highlighting a mixed positioning within its industry. Additionally, its EV to EBITDA ratio of 14.65 is more favorable than Bajaj Finserv's 13.02 but less favorable than Life Insurance's 8.94. Notably, Shalibhadra Fin. has underperformed the Sensex significantly over the past year, with a return of -39.55% compared to the Sensex's 3.64%, reinforcing the view that the stock may be overvalued at its current price of 115.75.