Is Motor & Gen Fin overvalued or undervalued?

As of 14 November 2025, the valuation grade for Motor & Gen Fin has moved from expensive to fair. Based on the current analysis, the company appears to be fairly valued. The key ratios include a PE ratio of 66.50, an EV to Sales ratio of 14.52, and a ROE of 1.98%.
When compared to peers, Motor & Gen Fin's PE ratio is significantly higher than Bajaj Finance's 34.62 and Life Insurance's 11.25, indicating a premium valuation relative to these companies. Additionally, the negative EV to EBITDA of -100.95 highlights operational challenges compared to the industry. Despite recent underperformance against the Sensex, with a year-to-date return of -13.55% versus the Sensex's 8.22%, the current valuation suggests that the stock is positioned fairly within its market context.