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 perceived value. The company is currently considered undervalued, with a PE ratio of 18.81, an EV to EBIT of 10.54, and a ROE of 14.45%. In comparison, Bajaj Finance, a peer in the same industry, has a significantly higher PE ratio of 34.62, while Life Insurance boasts a more favorable EV to EBITDA of 9.29, highlighting KIFS Financial's relative attractiveness.
Despite recent stock performance showing a decline of 13.73% over the past week compared to a 1.62% gain in the Sensex, the long-term perspective remains strong, with a remarkable 5-year return of 242.70%. This performance, coupled with a PEG ratio of 1.39, suggests that KIFS Financial presents a compelling investment opportunity within the Non-Banking Financial Company sector.