Is Laxmi India Fin. overvalued or undervalued?

As of 7 November 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 20.86, an EV to EBITDA of 35.03, and a ROE of 13.98%. In comparison to peers, Bajaj Finance is considered very expensive with a PE ratio of 38.09, while Life Insurance stands out as very attractive with a PE of 11.44.
Given the current valuation metrics and peer comparisons, Laxmi India Fin. appears to be appropriately priced in the market. The recent stock performance shows a decline of 5.37% over the past week, contrasting with the Sensex's modest decline of 0.86%, which may suggest some short-term volatility but does not alter the overall valuation perspective.