Is KJMC Financial overvalued or undervalued?

As of 8 August 2025, KJMC Financial's valuation grade has moved from expensive to fair, indicating a reassessment of its market position. The company is currently fairly valued, with a PE ratio of 40.70, an EV to EBITDA ratio of 20.88, and a Price to Book Value of 0.24. These ratios suggest that while KJMC Financial is not undervalued, it is also not excessively priced compared to its peers.
In comparison to its industry peers, KJMC Financial's PE ratio is significantly higher than Life Insurance, which is rated very attractive at a PE of 11.83, and Bajaj Finance, which is considered very expensive at a PE of 31.31. This highlights that while KJMC is fairly valued, it still trades at a premium compared to some competitors. Additionally, the stock has underperformed in the year-to-date period with a return of -27.43% compared to the Sensex's 2.20%, but it has shown strong long-term performance with a 5-year return of 1394.57%.