Is KJMC Financial overvalued or undervalued?

As of 10 October 2025, KJMC Financial's valuation grade has moved from fair to expensive. The company is currently considered overvalued based on its financial metrics. The PE ratio stands at 29.34, while the EV to EBITDA ratio is 15.13, and the ROE is a low 0.49%.
In comparison to its peers, KJMC Financial's valuation appears high, especially when contrasted with Life Insurance, which has a PE ratio of 11.65 and an EV to EBITDA of 9.08, indicating a more attractive valuation. Additionally, Bajaj Finance is categorized as very expensive with a PE of 36.56, further illustrating the relative overvaluation of KJMC Financial. While the stock has experienced significant returns over the long term, its recent performance has lagged behind the Sensex, with a year-to-date decline of 28.57% compared to a 5.58% gain in the index.