Is India Finsec overvalued or undervalued?

As of 14 November 2025, the valuation grade for India Finsec has moved from very expensive to expensive, indicating a slight improvement in its perceived value. Despite this change, the company is still considered overvalued. Key ratios include a PE ratio of 37.66, an EV to EBIT ratio of 12.48, and a PEG ratio of 20.46, all of which suggest that the stock is trading at a premium compared to its earnings and growth potential.
In comparison to its peers, India Finsec's PE ratio is higher than Bajaj Finance's 34.62 and Bajaj Finserv's 34.07, both categorized as expensive. Additionally, Life Insurance stands out with a very attractive PE ratio of 11.25, highlighting the disparity in valuation within the sector. Recent stock performance shows that India Finsec has underperformed the Sensex over the past week and year, which reinforces the notion that the stock may be overvalued at its current price of 164.25.