Is Pasupati Fincap overvalued or undervalued?

As of 19 August 2025, the valuation grade for Pasupati Fincap has moved from very attractive to risky, indicating a significant deterioration in its financial outlook. The company is currently deemed overvalued given its negative PE ratio of -10.83, a price to book value of -10.83, and an EV to EBITDA of -10.83, all of which highlight severe financial distress.
In comparison to its peers, Pasupati Fincap's metrics starkly contrast with Life Insurance, which has a PE ratio of 11.61 and an EV to EBITDA of 9.04, both classified as very attractive. Other competitors like Bajaj Finance and Bajaj Finserv exhibit much higher valuations, with PE ratios of 32.19 and 33.08, respectively, categorizing them as very expensive. The recent stock performance shows a stark decline, with a year-to-date return of -43.71%, while the Sensex has gained 4.49% in the same period, further reinforcing the notion that Pasupati Fincap is overvalued in its current state.