Is Laxmi India Fin. overvalued or undervalued?

As of 8 October 2025, Laxmi India Fin. has moved from an attractive to a fair valuation grade. The company is currently fairly valued, with a PE ratio of 21.80, an EV to EBITDA ratio of 35.75, and a ROE of 13.98%. In comparison to its peers, Bajaj Finance is considered very expensive with a PE ratio of 36.53, while Life Insurance is very attractive with a PE of 11.60, indicating that Laxmi India Fin. is positioned in a more moderate valuation range relative to its competitors.
The recent performance of Laxmi India Fin. shows a 1-month stock return of -9.55%, contrasting with a 1.22% return from the Sensex, which may suggest some market concerns regarding the company's growth prospects. Overall, the current valuation metrics indicate that Laxmi India Fin. is fairly valued within its industry context.