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 ratios, with a PE ratio of 15.96, an EV to EBIT of 11.80, and a PEG ratio of 0.27. These figures suggest that while the company is not undervalued, it also does not appear to be overvalued at this time.
In comparison to its peers, V B Desai Fin. holds a more favorable position than Bajaj Finance, which is considered very expensive with a PE ratio of 34.62, and Life Insurance, which is rated very attractive with a PE of 11.25. This peer analysis reinforces the notion that V B Desai Fin. is fairly valued within its industry. Notably, the company's recent stock performance has outpaced the Sensex over the past week, returning 9.87% compared to the Sensex's 1.62%, although it has underperformed on a year-to-date basis with a decline of 16.64% against the Sensex's 8.22%.