Is My Money Sec. overvalued or undervalued?

As of 15 October 2025, the valuation grade for My Money Sec. has moved from very expensive to risky, indicating a significant shift in its market perception. The company appears to be undervalued given its current price of 49.90, especially when considering its negative PE ratio of -19.50 and EV to EBIT of -15.27. Additionally, the ROCE stands at a robust 49.06%, suggesting strong operational efficiency despite the negative ROE of -16.17%.
In comparison to its peers, My Money Sec. shows a stark contrast with Bajaj Finance, which has a PE ratio of 37.84, and Life Insurance with a PE of 11.69. The high EV to Sales ratio of 77.41 further emphasizes the potential for undervaluation relative to its peers. While the stock has underperformed the Sensex over the past year with a return of -5.04% compared to the Sensex's 0.96%, its impressive 3-year return of 438.88% highlights its potential for recovery and growth in the long term.