Is My Money Sec. overvalued or undervalued?

As of 10 October 2025, the valuation grade for My Money Sec. has moved from risky to very expensive, indicating a significant shift in its market perception. The company appears to be overvalued based on its current financial metrics, particularly its PE ratio of -20.24 and EV to EBITDA of -16.19, which are starkly negative and suggest underlying issues. Additionally, the Price to Book Value stands at 3.27, further reinforcing concerns about its valuation.
In comparison to peers, My Money Sec. is positioned unfavorably against Bajaj Finance, which has a PE ratio of 36.56, and Life Insurance, which boasts a PE of 11.65. These comparisons highlight that My Money Sec. is not only overvalued but also significantly misaligned with industry standards. Despite a strong return of 458.19% over three years compared to the Sensex's 42.26%, the current valuation metrics suggest that investors should approach with caution, as the stock's high price does not seem justified by its financial performance.