Is Unishire Urban overvalued or undervalued?

As of 26 August 2025, the valuation grade for Unishire Urban has moved from very expensive to fair. The company is currently fairly valued, with a PE ratio of -4.53, an EV to EBITDA ratio of -4.51, and a Price to Book Value of 0.21. These figures indicate that the company is not generating positive earnings, which is a notable outlier compared to its peers.
In comparison to its industry peers, Unishire Urban's valuation metrics are significantly lower than those of Life Insurance, which has a PE ratio of 11.53 and an EV to EBITDA of 8.97, indicating a much stronger financial position. Other peers like Bajaj Finance and Bajaj Finserv are also trading at much higher valuations, with PE ratios of 31.26 and 32.28, respectively. The recent stock performance shows that Unishire Urban has underperformed the Sensex over the past year, with a return of -35.64% compared to the Sensex's -1.12%, reinforcing the view that the stock is currently fairly valued amidst a challenging market environment.