Is Rich Universe overvalued or undervalued?

As of 17 October 2025, the valuation grade for Rich Universe has moved from risky to fair, indicating an improvement in its perceived financial health. The company is currently fairly valued, with a PE ratio of 31.19, a Price to Book Value of 1.01, and a ROE of 3.24%. In comparison to its peers, Bajaj Finance is considered very expensive with a PE ratio of 38.21, while Life Insurance stands out as very attractive with a PE ratio of 11.49.
Despite the fair valuation, Rich Universe's financial metrics reveal some challenges, such as a negative EV to EBIT and EV to EBITDA of -8.70, which could raise concerns among investors. The stock has shown a strong performance in the short term, with a 1-week return of 15% compared to the Sensex's 1.76%, but the year-to-date performance remains concerning at -28.33%. Overall, while Rich Universe is fairly valued, its financial ratios suggest caution for potential investors.