Is My Money Sec. overvalued or undervalued?

As of 19 September 2025, the valuation grade for My Money Sec. has moved from very expensive to risky. The company appears to be overvalued based on several key ratios, including a PE ratio of -20.22, an EV to EBITDA of -16.17, and a Price to Book Value of 3.27. These figures indicate significant financial distress, particularly the negative earnings ratios, which suggest that the company is struggling to generate profits.
In comparison to its peers, My Money Sec. stands out unfavorably. For instance, Bajaj Finance, categorized as very expensive, has a PE ratio of 35.51, while Life Insurance, which is very attractive, has a PE ratio of 11.64. The stark contrast in valuation metrics highlights that My Money Sec. is not only overvalued but also underperforming relative to its industry peers. Despite a recent positive stock return of 12.84% over the past year compared to a -0.67% return for the Sensex, the underlying financial ratios suggest that the stock is not a sound investment at its current price of 51.75.