Fusion Micro Finance Ltd
Incorporated in 1994, Fusion Micro Finance Ltd is engaged in providing financial services to women entrepreneurs belonging to the economically and socially deprived section of society[1]
- Market Cap ₹ 5,119 Cr.
- Current Price ₹ 509
- High / Low ₹ 691 / 407
- Stock P/E 10.5
- Book Value ₹ 256
- Dividend Yield 0.00 %
- ROCE 14.2 %
- ROE 21.2 %
- Face Value ₹ 10.0
Pros
- Company is expected to give good quarter
- Company has delivered good profit growth of 63.9% CAGR over last 5 years
Cons
- Though the company is reporting repeated profits, it is not paying out dividend
- Company has low interest coverage ratio.
- Company has a low return on equity of 10.4% over last 3 years.
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
Peer comparison
Sector: Finance Industry: Finance & Investments
Quarterly Results
Figures in Rs. Crores
Profit & Loss
Figures in Rs. Crores
Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | TTM | |
---|---|---|---|---|---|---|---|
Revenue | 266 | 494 | 720 | 856 | 1,151 | 1,742 | 2,172 |
Interest | 137 | 254 | 338 | 375 | 496 | 643 | 750 |
182 | 172 | 290 | 437 | 676 | 638 | 856 | |
Financing Profit | -53 | 68 | 93 | 43 | -20 | 461 | 566 |
Financing Margin % | -20% | 14% | 13% | 5% | -2% | 26% | 26% |
1 | 3 | 10 | 17 | 50 | 58 | 86 | |
Depreciation | 2 | 2 | 3 | 4 | 5 | 7 | 9 |
Profit before tax | -54 | 68 | 100 | 57 | 24 | 512 | 643 |
Tax % | 26% | 26% | 30% | 23% | 11% | 24% | |
-39 | 51 | 70 | 44 | 22 | 387 | 487 | |
EPS in Rs | -9.15 | 7.71 | 8.25 | 5.21 | 2.58 | 38.47 | 48.41 |
Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% |
Compounded Sales Growth | |
---|---|
10 Years: | % |
5 Years: | 46% |
3 Years: | 34% |
TTM: | 36% |
Compounded Profit Growth | |
---|---|
10 Years: | % |
5 Years: | 64% |
3 Years: | 77% |
TTM: | 70% |
Stock Price CAGR | |
---|---|
10 Years: | % |
5 Years: | % |
3 Years: | % |
1 Year: | 22% |
Return on Equity | |
---|---|
10 Years: | % |
5 Years: | 10% |
3 Years: | 10% |
Last Year: | 21% |
Balance Sheet
Figures in Rs. Crores
Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Sep 2023 | |
---|---|---|---|---|---|---|---|
Equity Capital | 41 | 62 | 79 | 79 | 83 | 100 | 100 |
Reserves | 214 | 564 | 1,120 | 1,167 | 1,255 | 2,222 | 2,476 |
Preference Capital | 3 | 0 | 0 | 0 | 0 | 0 | |
1,605 | 2,929 | 2,974 | 4,432 | 5,776 | 6,778 | 7,528 | |
109 | 56 | 67 | 159 | 177 | 263 | 327 | |
Total Liabilities | 1,968 | 3,611 | 4,240 | 5,838 | 7,290 | 9,364 | 10,432 |
5 | 6 | 6 | 18 | 19 | 21 | 24 | |
CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Investments | 0 | 0 | 0 | 0 | 0 | 0 | 2 |
1,963 | 3,604 | 4,233 | 5,820 | 7,271 | 9,342 | 10,406 | |
Total Assets | 1,968 | 3,611 | 4,240 | 5,838 | 7,290 | 9,364 | 10,432 |
Cash Flows
Figures in Rs. Crores
Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|
-597 | -1,418 | -749 | -793 | -1,641 | -1,663 | |
184 | 15 | 20 | 10 | 18 | 18 | |
741 | 1,631 | 545 | 1,459 | 1,418 | 1,584 | |
Net Cash Flow | 329 | 229 | -184 | 676 | -204 | -61 |
Ratios
Figures in Rs. Crores
Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|
ROE % | 12% | 8% | 4% | 2% | 21% |
Documents
Announcements
- Disclosure Under Regulation 30(2) Of The SEBI (Listing Obligations And Disclosure Requirements) Regulations, 2015 Read With Clause 20 Of Para A Of Part A Of Schedule III. 2d
- Board Meeting Intimation for Regulation 29 Of SEBI (Listing Obligations And Disclosure Requirements) Regulations, 2015 - Board Meeting For Consideration Of Audited Financial Results For The Quarter And Year Ended On March 31, 2024 2d
- Certificate Pursuant To Regulation 40(9) Read With 61(4) Of SEBI (Listing Obligations And Disclosure Requirements) Regulations, 2015 For The Financial Year Ended March 31, 2024. 24 Apr
- COMPLIANCE CERTIFICATE UNDER REGULATION 7 (3) OF THE SECURITIES AND EXCHANGE BOARD OF INDIA (LODR) REGULATIONS, 2015. 10 Apr
-
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
6 Apr - Certificate under Regulation 74(5) of SEBI (Depositories and Participants) Regulations, 2018 for the quarter ended March 31, 2024.
Concalls
-
Feb 2024TranscriptNotesPPT
-
Nov 2023Transcript PPT
-
Aug 2023Transcript PPT REC
-
Aug 2023TranscriptNotesPPT
-
May 2023Transcript PPT REC
-
Feb 2023Transcript PPT
-
Nov 2022Transcript PPT
Leading NBFC (MFI) in India[1][2] Fusion Micro Finance Ltd is one of the youngest companies among the top 10 NBFC-MFIs in India in terms of AUM as of June 30, 2022, and has the fastest gross loan portfolio CAGR of 37% between FY20-22 among listed NBFC-MFIs in India. Co. was incorporated with the core idea of creating opportunities at the bottom of the pyramid. It provides financial services to unserved and underserved women in rural and peri-rural areas across India.