Is Nisus Finance overvalued or undervalued?

As of 15 October 2025, the valuation grade for Nisus Finance has moved from expensive to very expensive, indicating a significant shift in its market perception. The company is currently considered overvalued based on its financial metrics. Key ratios include a PE Ratio of 25.44, an EV to EBIT of 19.02, and a Price to Book Value of 5.10, all of which suggest a premium valuation compared to its peers.
In comparison to its industry, Nisus Finance's PE Ratio is notably higher than Bajaj Finance's 37.84 and Life Insurance's 11.69, which are both in the same valuation category. Additionally, the PEG Ratio of 0.00 indicates a lack of growth expectations, further reinforcing the overvaluation stance. The company's recent stock performance has lagged behind the Sensex, with a year-to-date return of -26.71% compared to the Sensex's 5.72%, highlighting the disconnect between its valuation and market performance.