Is 21st Cent. Mgmt. overvalued or undervalued?

As of 4 September 2025, the valuation grade for 21st Century Management has moved from risky to very attractive, indicating a significant positive shift in its valuation outlook. The company appears to be undervalued, particularly given its headline ratios, including a PE ratio of -5.85, an EV to EBITDA of -6.71, and an impressive ROCE of 223.00%.
In comparison to peers, 21st Century Management stands out with its negative PE and EV to EBITDA ratios, contrasting sharply with Bajaj Finance, which has a PE ratio of 33.36, and Life Insurance, which has an EV to EBITDA of 8.87. Despite recent underperformance relative to the Sensex, with a year-to-date decline of 41.27% versus a 3.30% gain for the index, the company's strong fundamentals suggest it is positioned for recovery and growth.