Fusion Finance Ltd

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Fusion Finance Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents
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Fusion Finance Ltd

₹ 129 -4.39%
30 Oct - close price
fusionmicrofinance.com BSE: 543652 NSE: FUSION
About

Incorporated in 1994, Fusion Finance
Ltd is primarily engaged in microfinance
lending activities[1]

Key Points

Business Verticals
a) MFI Business:[1]
The company primarily offers group-based microfinance loans to women through Joint Liability Groups (JLGs) of 5-7 members, where repayments are backed by mutual guarantees. Loans are offered for 17-25 months at interest rates of 23.4%-23.98% (reducing balance), with repayments every 14 or 28 days.

Website BSE NSE
  • Market Cap ₹ 2,093 Cr.
  • Current Price ₹ 129
  • High / Low ₹ 243 / 127
  • Stock P/E 12.4
  • Book Value ₹ 152
  • Dividend Yield 0.00 %
  • ROCE 5.92 %
  • ROE 0.68 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 0.85 times its book value

Cons

  • Company has low interest coverage ratio.
  • Promoter holding has decreased over last quarter: -2.21%
  • Company has a low return on equity of -10.2% 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

Financial Services Financial Services Finance Microfinance Institutions

Part of BSE Financial Services BSE 1000

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Quarterly Results

Figures in Rs. Crores

Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
531 547 593 646 688 692 474 466 442 401 416 424 458
Interest 183 191 201 215 223 227 214 179 149 134 123 132 150
208 213 243 286 532 884 773 458 387 318 284 258 244
Financing Profit 140 143 149 145 -67 -420 -513 -171 -93 -52 9 33 64
Financing Margin % 26% 26% 25% 22% -10% -61% -108% -37% -21% -13% 2% 8% 14%
22 25 20 29 18 12 9 10 3 32 8 6 0
Depreciation 2 2 2 3 2 3 3 3 2 2 2 2 2
Profit before tax 159 166 166 172 -51 -410 -508 -165 -92 -22 14 37 62
Tax % 24% 24% 24% 23% -30% -26% 42% 0% 0% 0% 0% -205% 0%
120 126 126 133 -36 -305 -719 -165 -92 -22 14 114 62
EPS in Rs 7.46 7.75 7.80 8.19 -2.20 -18.82 -44.38 -10.15 -5.69 -1.37 0.87 7.08 3.86
Gross NPA % 3.20% 2.68% 3.04% 2.89% 5.46% 9.41% 12.58% 7.92% 5.43% 4.61% 4.38% 3.21% 2.51%
Net NPA % 0.78% 0.65% 0.77% 0.77% 1.25% 2.41% 1.71% 0.30% 0.19% 0.38% 0.63% 0.51% 0.47%
Raw PDF
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Profit & Loss

Figures in Rs. Crores

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
266 494 720 856 1,151 1,742 2,317 2,344 1,699 1,699
Interest 137 254 338 375 496 643 791 844 539 540
182 172 290 437 676 638 949 2,646 1,247 1,105
Financing Profit -53 68 93 43 -20 461 577 -1,146 -87 55
Financing Margin % -20% 14% 13% 5% -2% 26% 25% -49% -5% 3%
1 3 10 17 50 58 96 25 34 46
Depreciation 2 2 3 4 5 7 9 12 10 9
Profit before tax -54 68 100 57 24 512 663 -1,133 -63 92
Tax % -26% 26% 30% 23% 11% 24% 24% 8% -122%
-39 51 70 44 22 387 505 -1,225 14 169
EPS in Rs -5.70 4.81 5.14 3.25 1.61 23.97 31.17 -75.54 0.86 10.44
Dividend Payout % 0% 0% 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: 15%
3 Years: -1%
TTM: -18%
Compounded Profit Growth
10 Years: %
5 Years: -21%
3 Years: -67%
TTM: 113%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: -40%
1 Year: -29%
Return on Equity
10 Years: %
5 Years: -3%
3 Years: -10%
Last Year: 1%

Balance Sheet

Figures in Rs. Crores

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 41 62 79 79 83 100 101 101 162
Reserves 214 564 1,120 1,167 1,255 2,222 2,748 1,543 2,294
Borrowing 1,608 2,929 2,974 4,432 5,776 6,778 8,616 6,402 5,571
106 56 67 159 177 263 310 247 268
Total Liabilities 1,968 3,611 4,240 5,838 7,290 9,364 11,774 8,293 8,295
5 6 6 18 19 21 31 27 26
CWIP 0 0 0 0 0 0 2 2 19
Investments 0 0 0 0 0 0 2 2 2
1,963 3,604 4,233 5,820 7,271 9,342 11,739 8,261 8,248
Total Assets 1,968 3,611 4,240 5,838 7,290 9,364 11,774 8,293 8,295

Cash Flows

Figures in Rs. Crores

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-597 -1,418 -749 -793 -1,641 -1,663 -1,350 1,448 1,146
184 15 20 10 18 18 31 74 12
741 1,631 545 1,459 1,418 1,584 1,843 -2,214 -67
Net Cash Flow 329 229 -184 676 -204 -61 524 -692 1,092
Free Cash Flow -599 -1,421 -753 -801 -1,647 -1,671 -1,370 1,441 1,128

Ratios

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % -15% 12% 8% 4% 2% 21% 20% -55% 1%

Insights

In beta
Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Active Clients (Total)
Lakhs

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AUM (Asset Under Management)
₹ Cr
Branches
Count
Disbursements
₹ Cr
Average Ticket Size (MFI)
₹ K
MSME AUM
₹ Cr
GNPA (Stage III)
%
MFI Current Collection Efficiency (All India)
%

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

1 Recently
Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
57.70% 57.71% 57.71% 57.71% 57.71% 57.71% 55.02% 54.96% 54.92% 54.55% 53.97% 51.76%
6.74% 5.97% 3.95% 2.82% 0.56% 1.69% 2.99% 3.92% 4.89% 4.75% 4.77% 5.29%
22.81% 23.28% 22.79% 19.19% 18.13% 16.91% 12.57% 11.88% 11.94% 14.43% 15.25% 15.11%
12.26% 12.65% 15.17% 19.90% 23.24% 23.32% 29.19% 29.01% 28.03% 26.06% 25.78% 27.04%
0.48% 0.40% 0.37% 0.37% 0.37% 0.37% 0.23% 0.23% 0.23% 0.23% 0.23% 0.82%
No. of Shareholders 56,82456,75961,08777,70680,99977,22679,09776,68373,66770,00968,12167,433

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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