Is TTI Enterprise overvalued or undervalued?

As of 17 October 2025, TTI Enterprise's valuation grade has moved from very attractive to attractive, indicating a shift in its perceived value. The company is currently assessed as undervalued, particularly when considering its PE ratio of 28.01, which is lower than that of peers like Bajaj Finance at 38.21 and Bajaj Finserv at 34.94. Additionally, TTI's EV to EBITDA stands at 21.48, which is competitive compared to the industry average, suggesting potential for growth despite its current valuation.
In terms of performance metrics, TTI Enterprise has a Price to Book Value of 0.78 and a ROCE of 8.84%, which further supports the undervaluation thesis. While the company has faced significant stock price declines over the past year, with a return of -33.83% compared to the Sensex's 3.64%, its long-term performance over five years shows a remarkable increase of 1416.07%. This indicates that despite recent struggles, TTI Enterprise may still hold substantial value for investors looking for opportunities in the NBFC sector.