Is Ind Bank Housing overvalued or undervalued?

As of 19 September 2025, the valuation grade for Ind Bank Housing has moved from attractive to risky, indicating a significant deterioration in its financial outlook. The company is currently assessed as overvalued, primarily due to its troubling financial ratios. The PE ratio stands at -40.90, the EV to EBIT at -166.19, and the ROCE is reported at -14.05%. These figures highlight severe profitability issues and negative valuation metrics.
In comparison to its peers, Ind Bank Housing's valuation appears starkly unfavorable. For instance, HUDCO has a PE ratio of 16.48, while LIC Housing Finance boasts a much more attractive PE of 5.92. Both companies are positioned significantly better in terms of valuation metrics, underscoring the challenges faced by Ind Bank Housing. Additionally, while the stock has shown a short-term positive return of 3.15% over the past week compared to a 0.88% gain in the Sensex, its year-to-date performance remains concerning with a decline of 20.20%. Overall, the financial indicators suggest that Ind Bank Housing is not a viable investment at its current price level.