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 is currently overvalued, as evidenced by its negative PE ratio of -18.74 and EV to EBIT ratio of -14.63, which are concerning indicators of profitability. Additionally, the Price to Book Value stands at 3.03, suggesting that the market is pricing the company significantly higher than its book value.
When compared to 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 attractive PE of 11.36 and an EV to EBITDA of 8.82. These comparisons highlight that My Money Sec. is not only overvalued relative to its peers but also lacks the financial metrics that would justify its current valuation. Although the company has outperformed the Sensex over the past year with a return of 15.4% compared to the Sensex's -1.28%, the fundamental ratios suggest that the stock is not a sound investment at this price level.