Is Ushakiran Fin. overvalued or undervalued?

As of 14 November 2025, the valuation grade for Ushakiran Fin. has moved from very expensive to risky, indicating a significant shift in its perceived value. The company is currently assessed as overvalued, particularly given its troubling financial ratios. The PE ratio stands at -113.80, while the EV to EBITDA ratio is at 9.91, and the Price to Book Value is at 0.58, suggesting that the market is pricing the stock unfavorably compared to its book value.
In comparison to its peers, Ushakiran Fin. lags significantly behind companies like Bajaj Finance, which has a PE ratio of 34.62, and Life Insurance, with a PE ratio of 11.25. The stark contrast in these ratios highlights the challenges Ushakiran Fin. faces in attracting investor confidence. Additionally, the company's recent stock performance has been poor, with a year-to-date return of -9.91% compared to the Sensex's 8.22%, further reinforcing the notion that the stock is overvalued in its current state.