Is KJMC Financial overvalued or undervalued?

As of 13 November 2025, KJMC Financial has moved from an expensive to an attractive valuation grade. The company is currently considered undervalued, with a PE ratio of 30.05, an EV to EBITDA ratio of 20.99, and a Price to Book Value of 0.25. These ratios suggest that the stock is trading at a discount compared to its earnings and book value.
In comparison with peers, KJMC Financial's PE ratio is lower than Bajaj Finance, which has a PE of 34.18, and significantly lower than Jio Financial, which stands at 122.74. Additionally, Life Insurance, categorized as very attractive, has a PE of 11.18, indicating that KJMC Financial may have room for growth. Despite recent underperformance against the Sensex, with a year-to-date return of -31.12% compared to the Sensex's 8.11%, the long-term outlook remains positive, particularly given the substantial 5-year return of 1556.44%.