Is Adit.Birla Money overvalued or undervalued?

As of 14 October 2025, the valuation grade for Adit.Birla Money has moved from expensive to fair, indicating a more favorable assessment of its value. The company is currently fairly valued, with a PE ratio of 12.59, an EV to EBITDA ratio of 3.93, and a PEG ratio of 0.57, suggesting that it is trading at a reasonable price relative to its earnings growth potential.
In comparison to its peers, Adit.Birla Money's valuation metrics stand out, particularly against Bajaj Finance, which is classified as very expensive with a PE ratio of 36.37, and Life Insurance, which is very attractive with a PE ratio of 11.7. The strong return on capital employed (ROCE) of 54.11% and return on equity (ROE) of 31.00% further reinforce the company's solid financial performance. Notably, despite recent stock performance lagging behind the Sensex, with a year-to-date return of -38.06% compared to the Sensex's 4.98%, the long-term performance remains impressive, indicating potential for recovery.