Is One Mobikwik overvalued or undervalued?

As of 14 August 2025, the valuation grade for One Mobikwik has moved from risky to very expensive, indicating a significant deterioration in its valuation outlook. The company is currently assessed as overvalued. Key ratios highlight its challenging financial position, with a PE ratio of -14.40, an EV to EBITDA of -10.74, and a ROE of -20.27%.
In comparison to its peers, One Mobikwik's valuation metrics starkly contrast with those of Life Insurance, which boasts a PE ratio of 11.53 and an EV to EBITDA of 8.97, and Bajaj Finance, with a PE ratio of 30.73 and an EV to EBITDA of 17.64. The substantial negative returns of One Mobikwik, particularly a year-to-date decline of 61.59% compared to a 3.15% increase in the Sensex, further underscores its overvaluation in the current market context.