Is India Finsec overvalued or undervalued?

As of 18 November 2025, the valuation grade for India Finsec has moved from very expensive to expensive. The company is currently considered overvalued. Key ratios include a PE ratio of 38.98, an EV to EBITDA ratio of 12.16, and a PEG ratio of 21.17, which are significantly higher than many peers in the industry. For instance, Bajaj Finance has a PE ratio of 34.46 and an EV to EBITDA of 19.47, while Life Insurance boasts a much lower EV to EBITDA of 9.36, indicating a more attractive valuation.
In comparison to its peers, India Finsec's valuation metrics suggest that it is trading at a premium, particularly when looking at the EV to EBIT ratio of 12.80. The company's recent stock performance has shown a decline of 7.61% over the past week, contrasting with a positive YTD return of 13.37%, which outperformed the Sensex's 8.36% during the same period. Overall, the data indicates that India Finsec is overvalued relative to its peers and market conditions.