Is Gogia Capital overvalued or undervalued?

As of 17 October 2025, Gogia Capital's valuation grade has moved from risky to very expensive, indicating a significant deterioration in its investment appeal. The company is currently overvalued, with a price-to-earnings (PE) ratio of -62.01, an EV to EBITDA ratio of -7.66, and a return on capital employed (ROCE) of -22.34%. These figures suggest that the company is not generating positive earnings or returns, raising concerns about its financial health.
In comparison to its peers, Gogia Capital stands out unfavorably; for instance, Bajaj Finance has a PE ratio of 38.21, while Life Insurance boasts a much more attractive EV to EBITDA of 8.94. The stark contrast in these ratios highlights Gogia Capital's overvaluation relative to its industry. Additionally, the company's stock has underperformed compared to the Sensex over various periods, particularly with a year-to-date return of -19.42% against the Sensex's 7.44%, reinforcing the notion that Gogia Capital is not a sound investment at its current valuation.