Is HB Stockholdings overvalued or undervalued?

As of 17 October 2025, the valuation grade for HB Stockholdings has moved from risky to very expensive. This indicates that the stock is currently overvalued. Key ratios such as the PE Ratio at -5.31, EV to EBIT at -6.50, and ROE at -13.36% highlight significant financial distress and inefficiency in generating returns for shareholders.
In comparison to its peers, HB Stockholdings stands out unfavorably; for instance, Bajaj Finance has a PE Ratio of 38.21, while Life Insurance boasts a more attractive EV to EBITDA of 8.94. The stark contrast in these ratios suggests that HB Stockholdings is not only overvalued but also underperforming relative to its industry peers. Additionally, the company's recent stock performance has lagged behind the Sensex, with a year-to-date return of -26.93% compared to the Sensex's 7.44%, further reinforcing the notion of overvaluation.