Is One 97 overvalued or undervalued?

As of 10 October 2025, the valuation grade for One 97 has moved from risky to very expensive, indicating a significant shift in its perceived value. The company is currently considered overvalued based on its financial ratios, which include a PE ratio of -160.65, an EV to EBITDA ratio of -102.68, and an EV to Sales ratio of 9.02. These figures suggest that the company's earnings and cash flows are under severe pressure, contributing to its high valuation grade. In comparison to its peers, One 97 stands out unfavorably; for instance, Bajaj Finance has a PE ratio of 36.56 and an EV to EBITDA of 19.67, while Life Insurance boasts a PE of 11.65 and an EV to EBITDA of 9.08. The stark contrast in these ratios highlights the overvaluation of One 97 in the financial technology sector. Additionally, the company's recent stock performance has outpaced the Sensex, with a year-to-date return of 21.56% compared to the Sensex's 5.58%, yet this does not mitigate the overall valuation concerns.