Is My Money Sec. overvalued or undervalued?

As of 29 August 2025, the valuation grade for My Money Sec. has moved from risky to very expensive, indicating a significant shift in its perceived value. The company is currently overvalued based on its financial ratios, which include a PE ratio of -18.14, an EV to EBITDA of -14.37, and a Price to Book Value of 2.93. These figures suggest that the market is pricing the company at a premium despite its negative earnings.
In comparison to its peers, My Money Sec. stands out unfavorably. For example, Bajaj Finance has a PE ratio of 31.3 and an EV to EBITDA of 17.84, while Life Insurance boasts a PE ratio of 11.08 and an EV to EBITDA of 8.57, both indicating more attractive valuations. Furthermore, the company's recent stock performance shows a 1-year return of 76.54%, significantly outpacing the Sensex's decline of 2.83%, yet this does not justify its current valuation. Overall, My Money Sec. appears overvalued in the current market context.