Is U. Y. Fincorp overvalued or undervalued?

Nov 09 2025 08:06 AM IST
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As of November 7, 2025, U. Y. Fincorp is fairly valued with a PE ratio of 24.12, making it less attractive compared to peers like Bajaj Finance and Bajaj Finserv, despite recent positive stock performance, as it has experienced significant declines in year-to-date and one-year returns.
As of 7 November 2025, U. Y. Fincorp's valuation grade has moved from attractive to fair, indicating a shift in its perceived value. The company is currently fairly valued. Key ratios include a PE ratio of 24.12, an EV to EBIT of 16.09, and a Price to Book Value of 0.92, which suggest that while the company has a reasonable valuation, it does not present a compelling investment opportunity at this time.

In comparison to its peers, U. Y. Fincorp's PE ratio is significantly lower than Bajaj Finance's 38.09, which is categorized as very expensive, and also lower than Bajaj Finserv's 35.3. Conversely, it is more attractive than Life Insurance, which has a PE ratio of 11.44 and is rated very attractive. Despite a recent positive stock performance relative to the Sensex over the past week and month, the year-to-date and one-year returns highlight a substantial decline, reinforcing the notion that the stock may not be a strong buy at current levels.
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