Is KIFS Financial overvalued or undervalued?

Nov 11 2025 08:10 AM IST
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As of November 10, 2025, KIFS Financial is fairly valued at 152.95, with a PE ratio of 20.08, an EV to EBITDA of 10.34, and a ROE of 14.45%, positioning it reasonably within its sector compared to peers like Bajaj Finance and Bajaj Finserv, despite underperforming the Sensex year-to-date but achieving a 249.60% return over the past five years.
As of 10 November 2025, KIFS Financial's valuation grade has moved from expensive to fair, indicating a shift in perception regarding its market value. The company is currently fairly valued. Key ratios include a PE ratio of 20.08, an EV to EBITDA of 10.34, and a ROE of 14.45%.

In comparison to its peers, KIFS Financial's PE ratio is significantly lower than that of Bajaj Finance, which stands at 38.76, and more favorable than Bajaj Finserv's PE of 35.58. Notably, Life Insurance is considered very attractive with a PE of 11.14, suggesting that KIFS Financial is positioned reasonably within its sector. While KIFS has underperformed the Sensex year-to-date, it has shown substantial growth over the past five years, with a return of 249.60%, reinforcing its potential as a fair investment at its current price of 152.95.
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