Is KIFS Financial overvalued or undervalued?

As of 17 November 2025, KIFS Financial's valuation grade has moved from attractive to fair, indicating a shift in its perceived value. The company is currently fairly valued. Key ratios include a PE Ratio of 17.49, an EV to EBITDA of 10.93, and a PEG Ratio of 0.78, which suggest that while the company is not undervalued, it also does not appear to be significantly overvalued compared to its peers.
In comparison to its industry peers, KIFS Financial's PE Ratio is notably lower than Bajaj Finance's 34.85 and Bajaj Finserv's 34.31, both of which are classified as very expensive. On the other hand, it is higher than Life Insurance's attractive valuation with a PE of 11.33. The recent stock performance shows KIFS Financial underperforming against the Sensex, with a year-to-date return of -7.99% compared to the Sensex's 8.72%, which may reinforce the view of its fair valuation amidst broader market trends.