Is SSPN FINANCE overvalued or undervalued?

As of 26 August 2025, the valuation grade for SSPN FINANCE has moved from very expensive to fair. This indicates a significant adjustment in the company's perceived value, suggesting that it is currently fairly valued. Key ratios supporting this assessment include a PE Ratio of 1.95, an EV to EBIT of 1.86, and an EV to Sales ratio of 1.86, all of which are relatively low compared to industry standards.
When compared to peers, SSPN FINANCE's valuation stands out, particularly against Life Insurance, which has a PE Ratio of 11.53 and an EV to EBITDA of 8.97, indicating a more expensive valuation in the sector. Other notable peers include Bajaj Finance with a PE Ratio of 31.26 and Bajaj Finserv at 32.28, both categorized as very expensive. Additionally, SSPN FINANCE's recent stock performance has lagged behind the Sensex, with a year-to-date return of -40.67% compared to the Sensex's 3.39%, reinforcing the notion that the stock may be undervalued relative to its current price.