Is U. Y. Fincorp overvalued or undervalued?

As of 10 November 2025, U. Y. Fincorp's valuation grade has moved from fair to very attractive, indicating a significant improvement in its perceived value. The company is currently considered undervalued. Key ratios include a PE ratio of 18.25, an EV to EBITDA of 5.06, and a Price to Book Value of 0.09, which suggest that the stock is trading at a discount compared to its intrinsic value.
In comparison to its peers, U. Y. Fincorp's valuation metrics stand out, particularly against Bajaj Finance, which has a PE ratio of 38.76 and is classified as very expensive, and Life Insurance, which has a PE ratio of 11.14 and is rated very attractive. The substantial difference in these ratios reinforces the notion that U. Y. Fincorp is undervalued relative to its market position. Additionally, while the company has experienced a decline in stock price year-to-date, its recent performance of 6.78% over the past week significantly outperformed the Sensex, indicating potential for recovery.