Is One Mobikwik overvalued or undervalued?

As of 23 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 considered overvalued based on its negative financial ratios, including a PE ratio of -17.23, an EV to EBIT of -12.47, and an ROE of -20.27%. These figures suggest that the company is struggling to generate profits and returns for its shareholders.
In comparison to its peers, One Mobikwik's valuation metrics stand out unfavorably. For instance, Bajaj Finance has a PE ratio of 39.07 and an EV to EBITDA of 20.55, while Life Insurance boasts a PE of 11.68 and an EV to EBITDA of 9.11, both indicating a healthier financial position. The stark contrast in these ratios highlights One Mobikwik's challenges within the financial technology sector. Additionally, the company's stock has significantly underperformed relative to the Sensex, with a year-to-date return of -54.34% compared to the Sensex's 8.21%.