Is Ushakiran Fin. overvalued or undervalued?

As of 14 August 2025, the valuation grade for Ushakiran Fin. has moved from expensive to very expensive, indicating a significant shift in its perceived value. The company is currently deemed overvalued. Key ratios include a PE Ratio of 9.45, an EV to EBIT of 9.09, and a PEG Ratio of 0.62, which suggest that despite a low valuation in terms of earnings, the overall market perception remains unfavorable.
When compared to peers, Ushakiran Fin.'s PE Ratio of 9.45 is notably lower than Life Insurance, which has a PE of 11.53 and is rated very attractive. In contrast, Bajaj Finance, rated very expensive, shows a much higher PE of 30.73. This disparity highlights that Ushakiran Fin. is not only overvalued but also underperforming relative to its peers. Additionally, the company's recent stock performance has lagged behind the Sensex, with a year-to-date return of -16.88% compared to the Sensex's 3.15%, reinforcing the overvaluation narrative.