Is Ushakiran Fin. overvalued or undervalued?

As of 14 November 2025, the valuation grade for Ushakiran Finance has moved from very expensive to risky, indicating a significant shift in its perceived value. The company appears to be overvalued based on its current metrics, particularly with a PE ratio of -113.80, an EV to EBITDA of 9.91, and a Price to Book Value of 0.58. These ratios suggest that the company's financial performance is not aligned with its market valuation.
In comparison to its peers, Ushakiran Finance's valuation stands out unfavorably; for instance, Bajaj Finance has a PE ratio of 34.62, while Life Insurance boasts a more attractive PE of 11.25. The stark contrast in these ratios highlights the overvaluation of Ushakiran Finance within the non-banking financial company sector. Additionally, the company's recent stock performance has lagged behind the Sensex, with a year-to-date return of -9.91% compared to the Sensex's 8.22%, further reinforcing the notion that Ushakiran Finance is currently overvalued.