Is KIFS Financial overvalued or undervalued?

As of 14 November 2025, KIFS Financial's valuation grade has moved from fair to attractive, indicating a positive shift in its market perception. 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 stand out, especially when contrasted with Bajaj Finance, which has a much higher PE ratio of 34.62, and Life Insurance, which has a lower EV to EBITDA ratio of 9.29.
Despite recent stock performance showing a decline of 13.73% over the past week, KIFS Financial has demonstrated strong long-term growth, with a remarkable 5-year return of 242.70% compared to the Sensex's 93.78%. This long-term performance, coupled with its attractive valuation metrics, supports the conclusion that KIFS Financial is undervalued relative to its peers in the Non-Banking Financial Company sector.