Is KIFS Financial overvalued or undervalued?

As of 14 November 2025, KIFS Financial has moved from a fair to attractive valuation grade. The company is currently considered undervalued, with a PE ratio of 18.81, an EV to EBITDA ratio of 10.38, and a ROE of 14.45%. In comparison to its peers, KIFS Financial's valuation metrics are more favorable; for instance, Bajaj Finance has a significantly higher PE ratio of 34.62, while Life Insurance boasts a lower EV to EBITDA of 9.29, indicating that KIFS is positioned competitively within the market.
Despite recent stock performance lagging behind the Sensex, with a year-to-date return of -6.53% compared to the Sensex's 8.22%, the long-term outlook remains positive, evidenced by a remarkable 5-year return of 242.70%. This suggests that KIFS Financial may present a compelling investment opportunity given its attractive valuation relative to peers and solid financial ratios.