Is Motor & Gen Fin overvalued or undervalued?

As of 8 August 2025, the valuation grade for Motor & Gen Fin has moved from expensive to fair. The company is currently fairly valued based on its financial metrics. Key ratios include a PE ratio of 99.88, an EV to EBITDA of -99.81, and a ROE of 1.06%.
In comparison with its peers, Motor & Gen Fin's PE ratio is significantly higher than Life Insurance, which stands at 11.83, and HDFC Life Insurance at 87.1, both of which are rated as fair. The company's recent stock performance has lagged behind the Sensex, with a year-to-date return of -14.57% compared to the Sensex's 2.20%, indicating potential challenges in the market.