Is Smart Finsec overvalued or undervalued?
As of October 17, 2025, Smart Finsec is considered very expensive and overvalued, with a PE ratio of 26.45, an EV to EBIT of 17.07, and a poor year-to-date return of -32.13%, compared to the Sensex's positive return of 7.44%.
As of 17 October 2025, the valuation grade for Smart Finsec has moved from expensive to very expensive, indicating a significant increase in perceived overvaluation. The company is currently assessed as overvalued. Key ratios include a PE ratio of 26.45, an EV to EBIT of 17.07, and a ROE of 7.33%. In comparison to peers, Bajaj Finance has a much higher PE ratio of 38.21, while Life Insurance stands out with a very attractive EV to EBITDA of 8.94. The recent stock performance has been notably poor, with a year-to-date return of -32.13%, contrasting sharply with the Sensex's positive return of 7.44% during the same period, reinforcing the notion that Smart Finsec is currently overvalued.
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