Is My Money Sec. overvalued or undervalued?

As of 12 September 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 appears to be overvalued based on its current metrics, with a PE ratio of -18.74 and an EV to EBITDA ratio of -14.89, both of which are concerning indicators. Additionally, the price to book value stands at 3.03, suggesting that the stock is trading at a premium compared to its book value.
In comparison to its peers, My Money Sec. shows stark contrasts; for instance, Bajaj Finance has a PE ratio of 35.82 and an EV to EBITDA of 19.41, while Life Insurance boasts a more favorable PE of 11.36 and an EV to EBITDA of 8.82. These comparisons highlight that My Money Sec. is not only overvalued but also significantly mispriced relative to its industry peers. Despite a strong recent performance with a 1-year stock return of 15.4% compared to a -1.28% return for the Sensex, the underlying valuation metrics suggest caution for potential investors.