Is KJMC Financial overvalued or undervalued?

As of 10 October 2025, KJMC Financial's valuation grade has moved from fair to expensive, indicating a shift in its perceived market value. The company is currently considered overvalued based on its financial ratios, with a PE ratio of 29.34, an EV to EBIT of 17.75, and an EV to EBITDA of 15.13. These figures suggest that the stock is priced high relative to its earnings and cash flows.
In comparison with its peers, KJMC Financial's PE ratio is lower than Bajaj Finance's 36.56 but significantly higher than Life Insurance's 11.65, which is classified as very attractive. Additionally, while KJMC's PEG ratio stands at 0.00, indicating no growth expectations, Bajaj Finserv is also deemed expensive with a PE of 33.63. The recent performance of KJMC Financial has been underwhelming, with a year-to-date return of -28.57%, contrasting sharply with the Sensex's 5.58% gain during the same period, reinforcing the notion that the stock may be overvalued.