Is Usha Financial overvalued or undervalued?

As of 7 November 2025, Usha Financial's valuation grade has moved from very attractive to attractive, indicating a shift in its perceived value. The company is currently assessed as undervalued, given its PE ratio of 13.59, EV to EBIT of 10.59, and EV to EBITDA of 10.30. In comparison to peers, Bajaj Finance is categorized as very expensive with a PE ratio of 38.09, while Life Insurance stands out as very attractive with a PE of 11.44, highlighting Usha Financial's relative value position in the market.
Despite the recent decline in stock performance, with a year-to-date return of -28.08% compared to the Sensex's 7.81%, the company's fundamentals suggest it remains a compelling investment opportunity. The PEG ratio of 0.00 further emphasizes the potential for growth relative to its price, reinforcing the notion that Usha Financial is undervalued in the current market landscape.