Is IndiaNivesh overvalued or undervalued?

As of 17 October 2025, the valuation grade for IndiaNivesh has moved from risky to attractive, indicating a significant improvement in its perceived value. The company is currently undervalued, with a PE ratio of -3.24, an EV to EBITDA of 161.05, and a ROCE of just 1.66%. These ratios suggest that the company is facing substantial challenges, particularly with negative earnings and a high valuation multiple compared to its earnings potential.
When compared to peers, IndiaNivesh's valuation stands out. For instance, Bajaj Finance is considered very expensive with a PE ratio of 38.21, while Life Insurance is very attractive with a PE of 11.49. This peer comparison highlights the stark contrast in valuation metrics, further supporting the conclusion that IndiaNivesh is undervalued in its sector. Despite recent stock performance lagging behind the Sensex, with a year-to-date decline of 44.62% compared to the Sensex's gain of 7.44%, the attractive valuation grade suggests potential for recovery as market conditions improve.