Is Smart Finsec overvalued or undervalued?

Nov 07 2025 08:08 AM IST
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As of November 6, 2025, Smart Finsec is fairly valued with a PE ratio of 24.86 and a PEG ratio of 0.00, despite a 44.07% decline in stock performance over the past year, positioning it more favorably compared to expensive peers like Bajaj Finance and attractive competitors like Life Insurance.
As of 6 November 2025, Smart Finsec's valuation grade has moved from expensive to fair, indicating a more favorable assessment of its market position. The company is currently fairly valued, with a PE ratio of 24.86, an EV to EBITDA of 15.41, and a ROCE of 29.73%. In comparison to its peers, Bajaj Finance is classified as very expensive with a PE ratio of 37.19, while Life Insurance is considered very attractive with a PE of 11.62, highlighting Smart Finsec's relative valuation within the sector.

Despite the recent stock performance showing a decline of 44.07% over the past year compared to a 3.65% increase in the Sensex, the company's financial metrics suggest it is positioned well against its peers. With a PEG ratio of 0.00, Smart Finsec appears to offer growth potential at its current price of 9.53, especially when contrasted with the higher valuations of competitors like Bajaj Finserv and SBI Life Insurance.
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