Is Vani Commercials overvalued or undervalued?

As of 22 August 2025, the valuation grade for Vani Commercials has moved from attractive to very attractive, indicating a significant improvement in its perceived value. The company is currently considered undervalued, with a PE ratio of 12.91, a Price to Book Value of 0.94, and an EV to EBITDA of 29.86. These ratios suggest that Vani Commercials is trading at a lower valuation compared to its peers in the Non-Banking Financial Company (NBFC) sector.
In comparison to its peers, Vani Commercials has a more favorable PEG ratio of 0.01, while Life Insurance has a PE of 11.55 and a PEG of 0.71, indicating that Vani offers better growth potential relative to its price. Conversely, Bajaj Finance is categorized as very expensive with a PE of 31.91. Despite recent stock performance showing a decline of 15.06% YTD compared to a 4.05% gain in the Sensex, the valuation metrics suggest that Vani Commercials presents a compelling investment opportunity at its current price of 11.00.