Is Apollo Finvest overvalued or undervalued?

As of 12 November 2025, Apollo Finvest's valuation grade has moved from attractive to fair. The company appears to be fairly valued based on its current metrics, with a PE ratio of 24.34, an EV to EBITDA ratio of 16.65, and a ROE of 9.10%. In comparison to its peers, Bajaj Finance is considered very expensive with a PE of 34.41, while Life Insurance stands out as very attractive with a PE of 11.14, indicating that Apollo Finvest is positioned in a more moderate valuation range relative to its competitors.
Despite the fair valuation, Apollo Finvest has underperformed significantly against the Sensex, with a year-to-date return of -44.65% compared to the Sensex's 8.10%. This underperformance, coupled with the recent grade change, suggests that while the stock is not overvalued, it faces challenges that may limit its upside potential in the near term.