Is V B Desai Fin. overvalued or undervalued?

As of 13 November 2025, V B Desai Financial has moved from a fair to an attractive valuation grade. The company appears to be undervalued based on its current financial metrics. Key ratios include a PE ratio of 14.80, an EV to EBIT of 10.90, and a PEG ratio of 0.25, indicating strong growth potential relative to its price.
In comparison to its peers, V B Desai Financial's PE ratio is significantly lower than that of Bajaj Finance, which stands at 34.18, and it also compares favorably against Life Insurance, which has a PE of 11.18. This suggests that V B Desai Financial is trading at a discount relative to its peers, reinforcing the notion of undervaluation. Despite recent stock performance lagging behind the Sensex, particularly in the one-year and year-to-date periods, the long-term growth of 510.05% over five years indicates strong potential for recovery and value creation.