Is Vani Commercials overvalued or undervalued?

As of 25 August 2025, Vani Commercials has moved from a very attractive to an attractive valuation grade. The company is currently considered undervalued based on its financial metrics. Key ratios include a PE ratio of 13.03, an EV to EBITDA of 29.96, and a PEG ratio of 0.01, indicating a low growth expectation relative to its price.
In comparison to its peers, Vani Commercials' PE ratio is higher than Life Insurance's 11.61 but significantly lower than Bajaj Finance's 32.11, which is categorized as very expensive. The company's ROCE stands at 3.15%, while its ROE is at 6.76%, suggesting room for improvement in profitability compared to the industry. Despite recent underperformance against the Sensex, with a year-to-date return of -14.29% versus the Sensex's 4.48%, the valuation metrics suggest that Vani Commercials may present a buying opportunity for investors looking for value in the NBFC sector.