Is Integ. Capital overvalued or undervalued?

As of 17 February 2025, the valuation grade for Integ. Capital has moved from very expensive to risky, indicating a significant shift in its perceived value. The company is currently considered undervalued, particularly given its negative PE ratio of -14.20 and EV to EBIT of -15.17, which suggest that the market is pricing the company at a discount relative to its earnings potential. The Price to Book Value stands at 1.57, which is relatively moderate compared to its peers.
When comparing Integ. Capital to its industry peers, Life Insurance has a fair PE ratio of 12.54 and EV to EBITDA of 9.89, while Bajaj Finance is categorized as very expensive with a PE of 35.01. This stark contrast highlights the potential for Integ. Capital to be undervalued, especially considering its PEG ratio of 0.00, indicating no growth expectations priced in. Additionally, the company's recent stock performance has lagged behind the Sensex, with a year-to-date return of -13.01% compared to the Sensex's 5.59%, reinforcing the notion that the stock may be undervalued in the current market environment.