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, indicating a shift in perception regarding its valuation. The company is currently assessed as overvalued, particularly highlighted by its PE ratio of -20.22 and an EV to EBITDA of -16.17, both of which suggest significant concerns about profitability. Additionally, the Price to Book Value stands at 3.27, further reinforcing the notion that the stock is trading at a premium compared to its underlying assets.
In comparison to its peers, My Money Sec. lags significantly behind companies like Bajaj Finance, which has a PE ratio of 35.51, and Life Insurance, with a more attractive PE of 11.64. The stark contrast in these ratios underscores the overvaluation of My Money Sec. relative to its competitors. Notably, the company's recent stock performance has outpaced the Sensex, with a 1-year return of 12.84% compared to the Sensex's -0.67%, but this does not mitigate the valuation concerns highlighted by its negative earnings ratios.