Is Jayabharat Cred. overvalued or undervalued?

As of 23 October 2025, the valuation grade for Jayabharat Credit has moved from very attractive to risky. This indicates a significant deterioration in the company's financial health and market perception. The company is currently considered overvalued, with a PE ratio of -16.05, an EV to EBIT of -76.61, and a PEG ratio of 0.00, suggesting that the stock may not be a viable investment at its current price.
In comparison to its peers, Jayabharat Credit's valuation metrics starkly contrast with those of Bajaj Finance, which has a PE ratio of 39.07, and Life Insurance, which boasts a PE ratio of 11.68. The negative capital employed and negative book value further highlight the company's precarious position in the market. Despite a strong recent performance, with a year-to-date return of 139.34% compared to the Sensex's 8.21%, the underlying financial ratios suggest that the stock is not sustainable at its current valuation levels.