Is One Mobikwik overvalued or undervalued?

As of 15 October 2025, the valuation grade for One Mobikwik has moved from very expensive to risky, indicating a significant shift in its perceived value. The company is currently deemed overvalued. Key ratios include a PE ratio of -17.55, an EV to EBITDA of -14.33, and a ROE of -20.27%. These negative figures highlight the company's struggles in generating profit and managing its capital effectively.
In comparison to its peers, One Mobikwik's valuation metrics stand out unfavorably. For instance, Bajaj Finance has a PE ratio of 37.84, while Life Insurance boasts a more attractive EV to EBITDA of 9.12. The stark contrast in these ratios suggests that One Mobikwik is significantly lagging behind its competitors in terms of financial performance. Additionally, the company's stock has underperformed relative to the Sensex, with a year-to-date return of -53.48% compared to the Sensex's gain of 5.72%, further reinforcing the notion of overvaluation.