Is Emk.Global Fin. overvalued or undervalued?

As of 10 November 2025, the valuation grade for Emk.Global Fin. has moved from expensive to fair. Based on the current analysis, the company appears to be fairly valued. Key ratios include a PE ratio of 33.87, a Price to Book Value of 0.25, and an EV to EBITDA of -387.09, which indicates significant negative earnings relative to its valuation metrics.
In comparison to its peers, Emk.Global Fin. has a PE ratio that is lower than Bajaj Finance's 38.76 but higher than Life Insurance's attractive PE of 11.14. The PEG ratio stands at 0.00, suggesting no growth expectations are priced in, which is notable compared to Bajaj Finserv's PEG of 2.53. Despite recent underperformance against the Sensex, with a year-to-date return of -6.41% compared to the Sensex's 6.91%, the long-term performance over three and five years shows substantial growth of 301.36% and 375.42%, respectively, reinforcing the potential for recovery and value in the stock.