Is MAS FINANC SER overvalued or undervalued?

As of 10 October 2025, the valuation grade for MAS FINANC SER has moved from attractive to fair, indicating a shift in its perceived value. The company is currently fairly valued based on its financial metrics. Key ratios include a PE ratio of 17.12, an EV to EBITDA of 10.93, and a PEG ratio of 0.78, which suggest that while the company is not undervalued, it also does not appear to be overvalued relative to its earnings growth potential.
In comparison to its peers, MAS FINANC SER's valuation stands out against Bajaj Finance, which is considered very expensive with a PE ratio of 36.56, and Life Insurance, which is very attractive with a PE ratio of 11.65. This positions MAS FINANC SER in a more favorable light within the industry, particularly as it offers a lower PEG ratio than both Bajaj Finance and Bajaj Finserv, which are also expensive. Notably, the company's stock has outperformed the Sensex on a year-to-date basis, returning 11% compared to the Sensex's 5.58%, reinforcing its competitive standing in the market.