Is Laxmi India Fin. overvalued or undervalued?

As of 3 September 2025, Laxmi India Fin. has moved from a very attractive to a fair valuation grade. The company is currently fairly valued based on its financial metrics. Key ratios include a PE ratio of 23.16, an EV to EBIT of 38.35, and a ROE of 13.98%. In comparison to its peers, Laxmi India Fin. has a PE ratio that is lower than Bajaj Finance, which stands at 32.03, but higher than Life Insurance, which is at 11.31. Additionally, the EV to EBITDA ratio of 36.79 is significantly higher than Life Insurance's 8.77, indicating a relative overvaluation in terms of earnings potential. The recent stock performance shows a 1-week return of 18.22%, contrasting with a slight decline in the Sensex, which reinforces the company's current fair valuation amidst market fluctuations.