Is JMJ Fintech overvalued or undervalued?

As of 29 August 2025, JMJ Fintech's valuation grade has moved from attractive to very attractive, indicating a significant improvement in its perceived value. The company is currently assessed as undervalued, with a price-to-earnings (PE) ratio of 12.14, an EV to EBITDA ratio of 4.52, and a return on equity (ROE) of 18.13%. These metrics suggest that JMJ Fintech is trading at a discount compared to its peers.
In comparison, Bajaj Finance, which is deemed very expensive, has a PE ratio of 31.3, while Life Insurance, classified as very attractive, has a PE ratio of 11.08. This positions JMJ Fintech favorably within its industry, especially considering its strong return on capital employed (ROCE) of 55.39%. Despite recent underperformance relative to the Sensex, with a year-to-date stock return of -47.77% against a 2.14% gain for the index, the fundamental ratios indicate that JMJ Fintech is a compelling investment opportunity at its current valuation.