Is India Finsec overvalued or undervalued?

As of 17 November 2025, India Finsec's valuation grade has moved from expensive to very expensive, indicating a significant increase in perceived valuation. The company is currently considered overvalued. Key ratios include a PE ratio of 43.34, an EV to EBITDA of 13.15, and a PEG ratio of 23.54, all of which are substantially higher than many peers in the industry.
In comparison, Bajaj Finance has a PE ratio of 34.85 and an EV to EBITDA of 19.61, while Life Insurance boasts a much lower PE ratio of 11.33 and an EV to EBITDA of 9.36. This highlights that India Finsec's valuation metrics are considerably elevated compared to its peers. Additionally, India Finsec has outperformed the Sensex significantly over various timeframes, with a year-to-date return of 26.04% compared to the Sensex's 8.72%, reinforcing the notion of its current overvaluation.