Check Before You Invest : Glance Finance Ltd

Q: Which industry/sub-sector does Glance Finance Ltd belong to?

Glance Finance Ltd belongs to the BFSI sector, operating specifically within the Finance - NBFC segment.

Q: Is Glance Finance Ltd a good quality company?

Glance Finance Ltd is a quality company, based on a multi-year financial track record. This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

Q: Is Glance Finance Ltd undervalued or overvalued?

Glance Finance Ltd appears Fair, as its key valuation ratios are in line with their past averages. Based on the industry it operates in, the relevant valuation ratios include one of the following, P/E, P/BV, P/Sales, EV/EBITDA or a combination of two or more. Valuation Ratios. Price to Earnings, Current: 36.83, Historic Median: 11.83. Price to Book, Current: 0.7, Historic Median: 0.62. Price to Sales, Current: 3.05, Historic Median: 4.44. EV to EBITDA, Current: 4.33, Historic Median: 3.40

Q: Is Glance Finance Ltd a good buy now?

Glance Finance Ltd is not a good buy now, based on weak price trend analysis suggesting prices may fall. However, you need to check its quality and valuation before making a decision

Q: Total Income growth of Glance Finance Ltd?

Glance Finance Ltd Operating Income growth is 9.36% for FY-2025, which is below its 5-year CAGR of 36.42%, indicating slower growth.

Q: Return on Assets of Glance Finance Ltd?

Glance Finance Ltd Return on Asset is 4.6%, which is in line with its 5-year historical median of 4.6%, indicating stable earnings on assets. Efficiency & Key Metrics. NPM (%), Current: 9.11, Historic Median: 9.11. PPOP (%), Current: 17.11, Historic Median: 17.11. RoA (%), Current: 4.6, Historic Median: 4.6

Q: Return on Equity (ROE) of Glance Finance Ltd?

Glance Finance Ltd Return on Equity is 5.7% for FY-2025, which is below its 5-year historical median of 6.3%, indicating the business is making worse use of its shareholders capital.

Q: Pre-provisioning operating profit margin of Glance Finance Ltd?

Glance Finance Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is 17.11% for FY-2025, which is in line with its 5-year median(17.11%), indicating stable margins.

Q: Net Profit Margin of Glance Finance Ltd?

Glance Finance Ltd Net Profit Margin, which is the difference between the rate of interest earned on assets and the rate of interest paid on liabilities, is 9.11% for FY-2025, which is in line with its 5-year median( 9.11%), indicating stable margins.

Q: Does its ROIC exceed its WACC?

Glance Finance Ltd return on invested capital (ROIC) is 5.88% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.

Snapshot

Q.1 Which industry/sub-sector does Glance Finance Ltd belong to?

Glance Finance Ltd belongs to the BFSI sector, operating specifically within the Finance - NBFC segment.

Q.2 Is Glance Finance Ltd a good quality company?

Glance Finance Ltd is a quality company, based on a multi-year financial track record.

This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

Q.3 Is Glance Finance Ltd undervalued or overvalued?

Glance Finance Ltd appears Fair, as its key valuation ratios are in line with their past averages.

Based on the industry it operates in, the relevant valuation ratios include one of the following, P/E, P/BV, P/Sales, EV/EBITDA or a combination of two or more.

Valuation Ratios	Current	5-year Historic Median
Price to Earnings	36.83	11.83
Price to Book	0.7	0.62
Price to Sales	3.05	4.44
EV to EBITDA	4.33	3.40

Q.4 Is Glance Finance Ltd a good buy now?

Glance Finance Ltd is not a good buy now, based on weak price trend analysis suggesting prices may fall. However, you need to check its quality and valuation before making a decision

Performance Analysis

We have analysed the performance of the company on the following:

How has it performed on generating Profits?
By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.
How efficiently has it grown and managed operations?
By checking its Total Asset growth.
How strong is its Capital position and Asset Quality?
By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.

A: What are the trends in income and profitability?

Q.1 Total Income growth of Glance Finance Ltd?

Glance Finance Ltd Operating Income growth is 9.36% for FY-2025, which is below its 5-year CAGR of 36.42%, indicating slower growth.

Q.2 Return on Assets of Glance Finance Ltd?

Glance Finance Ltd Return on Asset is 4.6%, which is in line with its 5-year historical median of 4.6%, indicating stable earnings on assets.

	Current Level	5-year Historic Median
NPM (%)	9.11	9.11
PPOP (%)	17.11	17.11
RoA (%)	4.6	4.6

Q.3 Return on Equity (ROE) of Glance Finance Ltd?

Glance Finance Ltd Return on Equity is 5.7% for FY-2025, which is below its 5-year historical median of 6.3%, indicating the business is making worse use of its shareholders capital.

Q.4 Pre-provisioning operating profit margin of Glance Finance Ltd?

Glance Finance Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is 17.11% for FY-2025, which is in line with its 5-year median(17.11%), indicating stable margins.

Q.5 Net Profit Margin of Glance Finance Ltd?

Glance Finance Ltd Net Profit Margin, which is the difference between the rate of interest earned on assets and the rate of interest paid on liabilities, is 9.11% for FY-2025, which is in line with its 5-year median( 9.11%), indicating stable margins.

Q.6 Does its ROIC exceed its WACC?

Glance Finance Ltd return on invested capital (ROIC) is 5.88% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.

B: Does the bank grow efficiently and manage its operating costs?

Q.7 Total Asset growth of Glance Finance Ltd?

Glance Finance Ltd Total Asset growth is 13.41% for FY-2025, which is below its 5-year CAGR of 26.08%, indicating slower growth.

Ownership & governance

D: Promoter shareholding and pledge status of Glance Finance Ltd?

Q.1 Promoter shareholding and pledge status of Glance Finance Ltd?

Promoters hold 74.34% of the Glance Finance Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

E: How does Glance Finance Ltd performance compare with that of its Peers?

Q.1 AUM Growth of Glance Finance Ltd vs Industry Peers?

Glance Finance Ltd AUM CAGR is 26.08%, compared to the 5-year industry median CAGR of 9.68%, indicating faster growth and gaining its market share.

Q.2 Profit metrics (NPM, PPOP, RoA) of Glance Finance Ltd vs industry peers

Glance Finance Ltd profit metrics are in line with the industry median level of 4.73%, indicating similar profitability compared to peers.

Profit Metrics

	Current Level	5-year Industry Median
NPM (%)	9.11	12.79
PPOP (%)	17.11	-
RoA (%)	4.6	1.4

Q.3 Operating efficiency of Glance Finance Ltd vs industry peers?

Glance Finance Ltd ROCE (11) is above the industry median of (4.1); while the current ROE (6.3) are above than the 5-year average Industry ROE (2.2). This shows that the business is positioned in the top quartile of the industry.

Operating Efficiency

	Current Level	5-year Industry Median
NPM (%)	9.11	12.79
PPOP (%)	17.11	-
RoA (%)	4.6	1.4
ROCE (%)	9.6	4.1
ROE (%)	5.7	2.2

Valuation & price assessment

Q.1 Stock return of Glance Finance Ltd over the last decade?

Over the last 9 years, the stock has delivered a CAGR of 11.6% based on the current price.

	9Y	5Y	3Y	1Y
Share Price CAGR	11.6%	25%	45.5%	25.9%

Q.2 How do the current valuation ratios compare with 5-year historical median and industry numbers?

Valuation Ratios	Current	5-year Historic Median	5-year Industry Median
Price to Earnings	36.83	11.83	29.12
Price to Book	0.7	0.62	1.11
Price to Sales	3.05	4.44	9.10
EV to EBITDA	4.33	3.40	11.77

Q.3 Valuation ratios of Glance Finance Ltd vs historical and industry averages?

The current Price-to-Book (P/B) ratio of 0.7 is higher than its historical median of 0.62, indicating that the stock is trading above its historical average valuation.

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Check Before You Invest : Glance Finance Ltd

Snapshot

Performance Analysis

Ownership & governance

Peer comparison (industry-wise, mcap)

Profit Metrics

Operating Efficiency

Valuation & price assessment

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