Is Ind Bank Housing overvalued or undervalued?

Oct 24 2025 08:12 AM IST
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As of October 23, 2025, Ind Bank Housing's valuation has shifted from attractive to risky due to severe financial distress, indicated by a PE ratio of -170.87 and overvaluation compared to healthier peers like HUDCO and LIC Housing Finance.
As of 23 October 2025, the valuation grade for Ind Bank Housing has moved from attractive to risky, indicating a significant deterioration in its financial standing. The company is currently assessed as overvalued, particularly highlighted by its PE ratio of -170.87, EV to EBIT of -22.70, and EV to Capital Employed at -0.02. These ratios suggest severe financial distress, with negative earnings and capital employed.

In comparison to its peers, Ind Bank Housing's valuation metrics starkly contrast with those of HUDCO, which has a PE ratio of 16.47, and LIC Housing Finance, with a PE of 5.8, both of which are in a much healthier financial position. The recent stock performance shows that while Ind Bank Housing has outperformed the Sensex over the past three years, it has significantly lagged year-to-date and over the past year, reinforcing the notion that it is currently overvalued given its financial challenges.
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