Is Smart Finsec overvalued or undervalued?

Nov 03 2025 08:04 AM IST
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As of October 31, 2025, Smart Finsec is fairly valued with a PE ratio of 26.84, lower than Bajaj Finance's 37.23, and despite a 34.38% decline in stock performance over the past year, it may be positioned for recovery.
As of 31 October 2025, Smart Finsec's valuation grade has moved from expensive to fair. The company is currently fairly valued based on its financial metrics. Key ratios include a PE ratio of 26.84, an EV to EBITDA of 16.92, and a ROCE of 29.73%.

In comparison to its peers, Smart Finsec's PE ratio is significantly lower than Bajaj Finance, which stands at 37.23, indicating that Smart Finsec may be a more attractive option within its sector. Additionally, Life Insurance, which has a PE ratio of 11.62, presents a compelling alternative for investors seeking value. Despite recent stock performance showing a decline of 34.38% over the past year compared to a 5.73% gain in the Sensex, the company's fair valuation suggests it may be positioned for recovery moving forward.
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