Is Motor & Gen Fin overvalued or undervalued?

As of 4 November 2025, the valuation grade for Motor & Gen Fin has moved from expensive to fair. The company appears to be fairly valued at this time. Key ratios include a PE ratio of 139.47, an EV to EBITDA of -100.35, and a ROE of 1.06%.
In comparison to peers, Bajaj Finance is categorized as very expensive with a PE of 37.67, while Life Insurance is considered very attractive with a PE of 11.76. The significant disparity in valuation metrics suggests that Motor & Gen Fin is positioned more favorably relative to its peers, despite its high PE ratio. Additionally, the company's recent stock performance has lagged behind the Sensex, with a year-to-date return of -14.11% compared to the Sensex's 6.81%, reinforcing the notion that the stock may have room for improvement.