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 perceived value. The company is currently considered overvalued. Key ratios include a PE ratio of -20.24, an EV to EBITDA of -16.19, and a Price to Book Value of 3.27, all of which suggest that the stock is trading at unsustainable levels compared to its earnings and book value.
In comparison with peers, My Money Sec. exhibits a notably negative PE ratio, while Bajaj Finance has a PE of 36.56 and Bajaj Finserv stands at 33.63, both indicating a more favorable valuation. Additionally, Life Insurance, rated very attractive, has a PE of 11.65, further emphasizing the overvaluation of My Money Sec. Despite its recent stock performance, which has outpaced the Sensex over the past week and month, the fundamental metrics suggest that the stock's current price does not reflect its underlying financial health.