Is Shivansh Finserv overvalued or undervalued?

As of 7 November 2025, Shivansh Finserv's valuation grade has moved from attractive to fair, indicating a shift in its perceived value. The company appears to be fairly valued at this time. Key ratios include a PE ratio of 34.32, a Price to Book Value of 0.66, and an EV to EBIT of -22.53, which highlights significant concerns regarding profitability and valuation metrics.
In comparison to its peers, Shivansh Finserv's PE ratio is lower than Bajaj Finance's 38.09, suggesting it may be more attractively priced relative to that competitor, but it is higher than Life Insurance's 11.44, which is considered very attractive. The company's recent stock performance shows a year-to-date return of 38.57%, significantly outperforming the Sensex's 6.50%, reinforcing the notion that while the stock is fairly valued, it has been a strong performer in the market.