Is V B Desai Fin. overvalued or undervalued?

As of 14 November 2025, the valuation grade for V B Desai Fin. has moved from attractive to fair, indicating a shift in its perceived value. The company is currently fairly valued based on its financial metrics. Key ratios include a PE Ratio of 15.96, an EV to EBIT of 11.80, and a PEG Ratio of 0.27, which suggests that the stock may be undervalued relative to its growth potential.
When compared to peers, V B Desai Fin. stands out with a PE Ratio of 15.96, while Bajaj Finance is classified as very expensive with a PE of 34.62, and Life Insurance is considered very attractive with a PE of 11.25. This indicates that V B Desai Fin. is competitively priced within its sector. Additionally, the company's stock has shown a significant return of 189.47% over the past three years, outperforming the Sensex's return of 37.22% in the same period, which further supports the notion of its fair valuation.