Is Smart Finsec overvalued or undervalued?

Oct 28 2025 08:04 AM IST
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As of October 27, 2025, Smart Finsec is considered overvalued with a PE ratio of 27.34 and has underperformed with a year-to-date decline of 29.85%, contrasting with the Sensex's 8.50% gain.
As of 27 October 2025, Smart Finsec's valuation grade has moved from fair to expensive, indicating a shift in its market perception. The company is currently overvalued, with a PE ratio of 27.34, an EV to EBIT of 17.77, and an EV to EBITDA of 17.30. In comparison to its peers, Bajaj Finance is classified as very expensive with a PE ratio of 38.72, while Life Insurance is very attractive with a PE ratio of 11.65, highlighting the relative overvaluation of Smart Finsec.

Despite a recent stock price increase of 8.15% over the past week, Smart Finsec has underperformed in the longer term, with a year-to-date decline of 29.85% compared to a 8.50% gain in the Sensex. This performance reinforces the notion that Smart Finsec is currently overvalued in the market.
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