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Fusion Finance Limited FUSION NSEFINANCIAL

Financial Services · Credit Services · India
https://fusionfin.com
Company Profile ↓
₹145.00
-4.93% 1Y
Mkt Cap₹2,328.01 Cr
P/E14.12
P/B1.08
52W High₹237.14
52W Low₹138.24
Book Value₹151.87
EPS (TTM)₹10.27

Company Overview

Fusion Finance Limited, a non-banking financial company, provides micro finance and MSME lending services in India. The company offers income generation, top up, emergency, and cross sell loans; secured loans; and life insurance products. It provides its services underserved and unserved women in rural and semi-rural areas. The company was formerly known as Fusion Micro Finance Limited and changed its name to Fusion Finance Limited in July 2024. Fusion Finance Limited was incorporated in 1994 and is headquartered in Gurugram, India.

Why Investors Should Care

Reasonable Valuation

Trades at a P/E of 14.1, below the sector median of 15.4.

Healthy Margins

Maintains a net profit margin of 19.6%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Mar 2026 Revenue of ₹1,513.13 Cr (-28.9% YoY); net profit ₹13.85 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +128.1%.
  • 5-Year Trend Long-term compounding — revenue CAGR -1.6%, profit CAGR -67.0%.

Growth & Price Performance

Compounded Sales Growth

5 Years:-1.64%
1 Year:128.10%

Compounded Profit Growth

5 Years:-67.05%
1 Year:-

Stock Price Performance

1 Year:-4.93%
6 Months:-19.29%
3 Months:-34.47%
1 Month:-21.48%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bearish
52-Week Range 7% of range
₹138.24 ₹237.14
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMABelow
  • Death Cross1d ago
  • RSI (14)17.89 · Oversold
Price Performance
1M-21.48%
3M-34.47%
6M-19.29%
1Y-4.93%
Valuation vs Sector

P/E of 14.12 is below the sector median of 15.36 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Generates positive free cash flow.

CONS

  • Revenue declined at -1.6% CAGR over 5 years.
  • Earnings shrank at -67.0% CAGR over 5 years.
  • Trading 38.9% below its 52-week high.
  • In a downtrend (50-DMA below 200-DMA).
  • RSI at 18 suggests oversold conditions.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
14.12
Industry PE
15.36
Forward P/E
4.90
PEG Ratio
-
Book Value
₹151.87
Price to Book
1.08
P/S
3.07
EV/EBITDA
-
Dividend Yield
0.00%

Growth (CAGR)

Revenue 5Y
-1.64%
Profit 5Y
-67.05%
Revenue (YoY)
128.10%
Earnings (YoY)
-

Profitability & Returns

ROCE
-1.28%
ROE
0.56%
ROA
0.17%
Profit Margin
19.64%
Op Margin
23.22%
Gross Margin
100.00%
EPS (Latest Qtr)
₹7.06
EPS (TTM)
₹10.27

Balance Sheet & Liquidity

Debt/Equity
2.28
Quick Ratio
2.29
Current Ratio
1.56
Debt
₹5,587.41 Cr
Total Assets
₹8,294.80 Cr
Current Assets
₹5,464.04 Cr
Working Capital
₹1,961.44 Cr

Ownership

Promoter Holding
53.26%
Chg in Prom Hold
-0.94%
FII / Inst Holding
15.30%
Chg in FII Hold
-1.11%

Financial Snapshot

Enterprise Value
₹2,328.01 Cr
Total Revenue (TTM)
₹858.20 Cr
EBITDA
₹-51.78 Cr
Free Cash Flow
₹1,128.01 Cr
Operating Cash Flow
₹1,146.25 Cr
Shares Outstanding
₹16.06 Cr
Gross Margin
100.00%
Payout Ratio
0.00%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 FUSION Fusion Finance Limited NSEFINANCIAL 145.00 14.12 ₹2,328.01 Cr 0.00% -1.28% 0.56% -1.64% -67.05%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 706.95 15.45 ₹10.90 L Cr 1.88% - 13.84% 16.90% 12.47%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,385.00 17.90 ₹9.94 L Cr 0.89% - 16.07% 18.11% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 963.00 10.32 ₹8.89 L Cr 1.82% - 15.18% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 926.00 28.43 ₹5.77 L Cr 0.56% - 16.68% 22.58% 18.23%
6 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 437.80 21.46 ₹4.36 L Cr 0.15% - 10.64% 13.48% 8.92%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,210.00 13.61 ₹3.77 L Cr 0.08% - 13.35% 12.16% 34.61%
8 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,690.00 26.83 ₹2.70 L Cr 0.07% - 12.58% 22.92% 15.16%
9 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 392.05 8.26 ₹2.48 L Cr 2.59% - 32.53% 7.26% 16.86%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Dec 2024Mar 2025Jun 2025Dec 2025Mar 2026
Revenue 440.84 Cr449.72 Cr422.24 Cr368.35 Cr372.09 Cr
Cost of Revenue 364.84 Cr325.61 Cr303.05 Cr276.90 Cr287.28 Cr
Gross Profit 76.00 Cr124.11 Cr119.19 Cr91.45 Cr84.81 Cr
Operating Expenses 46.82 Cr52.80 Cr55.91 Cr36.49 Cr27.13 Cr
Operating Income 29.18 Cr71.31 Cr63.28 Cr54.96 Cr57.68 Cr
EBITDA 32.38 Cr74.57 Cr65.70 Cr57.45 Cr59.88 Cr
Interest Expense -----
Pretax Income -507.52 Cr-164.56 Cr-92.25 Cr14.05 Cr37.41 Cr
Tax Provision 211.80 Cr000-76.78 Cr
Net Income -719.32 Cr-164.56 Cr-92.25 Cr14.05 Cr114.19 Cr
Diluted EPS -65.44-14.97-7.441.057.06

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue -1,589.99 Cr2,086.63 Cr2,128.97 Cr1,513.13 Cr
Cost of Revenue -930.75 Cr1,155.45 Cr1,331.74 Cr1,094.17 Cr
Gross Profit -659.24 Cr931.18 Cr797.23 Cr418.96 Cr
Operating Expenses -136.45 Cr178.09 Cr263.94 Cr255.79 Cr
Operating Income -522.79 Cr753.09 Cr533.29 Cr163.17 Cr
EBITDA -520.41 Cr673.26 Cr-1,120.11 Cr-51.78 Cr
Interest Expense 88.80 L1.02 Cr99.00 L1.23 Cr1.55 Cr
Pretax Income -511.98 Cr663.26 Cr-1,133.01 Cr-62.93 Cr
Tax Provision -124.83 Cr157.97 Cr91.53 Cr-76.78 Cr
Net Income -387.15 Cr505.29 Cr-1,224.54 Cr13.85 Cr
Diluted EPS -41.7845.89-111.411.01

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets -9,363.54 Cr11,774.32 Cr8,292.67 Cr8,294.80 Cr
Current Assets -6,220.51 Cr7,804.40 Cr6,063.40 Cr5,464.04 Cr
Cash & Equivalents -950.36 Cr1,474.69 Cr783.05 Cr1,874.84 Cr
Inventory -----
Receivables -14.41 Cr13.85 Cr3.70 Cr7.40 Cr
Total Liabilities -7,041.62 Cr8,926.17 Cr6,649.34 Cr5,838.87 Cr
Current Liabilities -2,809.63 Cr3,539.28 Cr4,910.29 Cr3,502.60 Cr
Long Term Debt -4,218.14 Cr5,372.79 Cr1,692.87 Cr2,316.07 Cr
Total Debt -6,778.40 Cr8,615.90 Cr6,402.02 Cr5,570.76 Cr
Total Equity -2,321.92 Cr2,848.15 Cr1,643.33 Cr2,455.93 Cr
Shares Outstanding -10.39 Cr10.43 Cr10.43 Cr16.21 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow --1,663.04 Cr-1,350.34 Cr1,447.88 Cr1,146.25 Cr
Investing Cash Flow -17.85 Cr31.48 Cr74.40 Cr12.17 Cr
Financing Cash Flow -1,584.18 Cr1,843.19 Cr-2,213.92 Cr-66.63 Cr
Capital Expenditure --7.53 Cr-19.33 Cr-10.50 Cr-18.24 Cr
Free Cash Flow --1,670.57 Cr-1,369.67 Cr1,437.38 Cr1,128.01 Cr
Net Change in Cash --61.01 Cr524.33 Cr-691.64 Cr1,091.79 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % -41.5%44.6%37.4%27.7%
Operating Margin % -32.9%36.1%25.0%10.8%
Net Margin % -24.3%24.2%-57.5%0.9%
ROE % -16.7%17.7%-74.5%0.6%
ROCE % -8.0%9.1%15.8%3.4%

Shareholding Pattern

Insiders
53.26%
Institutions
15.30%
Public Float
32.74%

Analyst View

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Latest News

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FUSION — Frequently Asked Questions

What is the current share price of Fusion Finance Limited (FUSION)?

As of 2026-10-23 04:58 IST, Fusion Finance Limited (FUSION) trades at ₹145.00 on NSE. Its 52-week range is ₹138.24 to ₹237.14.

What is the market capitalisation of FUSION?

Fusion Finance Limited (FUSION) has a market capitalisation of ₹2,328.01 Cr on NSE.

What is the P/E ratio of FUSION?

FUSION trades at a trailing price-to-earnings (P/E) ratio of 14.12. The industry average P/E is 15.36. Its price-to-book (P/B) ratio is 1.08.

What is the return on equity (ROE) of FUSION?

FUSION has a return on equity (ROE) of 0.56%. Its return on capital employed (ROCE) is -1.28%.

Is FUSION a good stock to buy?

This page provides a data-driven analysis of Fusion Finance Limited (FUSION), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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