Is 21st Cent. Mgmt. overvalued or undervalued?

As of 17 October 2025, the valuation grade for 21st Century Management has moved from risky to very attractive, indicating a significant improvement in its perceived value. The company is currently undervalued, supported by a PE ratio of -5.23, an EV to EBITDA of -5.56, and a remarkable ROCE of 223.00%.
In comparison to its peers, 21st Century Management's valuation metrics stand out, particularly against Bajaj Finance, which has a PE ratio of 38.21, and Life Insurance, with a PE of 11.49. The negative PE and EV ratios suggest that the market may not be fully recognizing the company's potential, especially given its strong ROE of 116.66%. Despite recent underperformance relative to the Sensex over the past year, the long-term returns of 394.44% over five years indicate a strong recovery potential.