Check Before You Invest : Glance Finance Ltd

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 10-year financial track record.

Q.3 Is Glance Finance Ltd undervalued or overvalued?

Glance Finance Ltd appears Somewhat overvalued, as its key valuation ratios are above with their past averages.

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

Q.1 Total Income growth of Glance Finance Ltd?

Glance Finance Ltd Operating Income growth is 9.38% for FY-2025, which is below its 5-year CAGR of 36.41%, 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 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

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)

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 9.9%, 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 7.31%, indicating similar profitability compared to peers.

Profit Metrics

	Current Level	5-year Industry Median
NPM%	9.11	15.95
PPOP%	17.11	4.54
RoA%	4.6	1.45

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

Glance Finance Ltd ROCE (11) is above the industry median of (4.4); while the current ROE (6.3) are above than the 5-year average Industry ROE (2.7). 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	15.95
PPOP%	17.11	4.54
RoA%	4.6	1.45
ROCE%	9.6	4.4
ROE%	5.7	2.7

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 13.7% based on the current price.

Q.2 What return has the stock given over the last decade?

	9Y	5Y	3Y	1Y
Share Price CAGR	13.7%	32.2%	51.1%	34.6%

Q.3 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	40.56	12.59	28.96
Price to Book	0.77	0.61	1.11
Price to Sales	3.35	4.44	9.10
EV to EBITDA	4.77	3.40	11.77

Q.4 Valuation ratios of Glance Finance Ltdvs historical and industry averages?

The current Price to book ratio (P/B) 0.77% is higher than its historical median of 0.61%, indicating that at the current price the stock is overvalued. However, you need a deeper analysis to make a better judgement.

Strategic outlook

Q.1 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.

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