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Fusion Finance Ltd.

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fusionfin.comBSE: 543652NSE: FUSION
Market Cap₹ 3,067 Cr.
Current Price
High / Low₹ 243 / 136
Stock P/E18.2
Book Value₹ 153
Price to Book0.92
Dividend Yield0.00 %
ROCE6.3 %
ROE0.7 %
Face Value₹ 10

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ABOUT

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence
84%
View full sector analysis →

PROS

  • Comfortable capital adequacy - CAR of 36.5%
  • Latest quarter profit grew 167.7% YoY, showing strong momentum
  • Institutional investors have been accumulating - FII+DII up 4.4pp
  • Company generates healthy free cash flow

CONS

  • Company has a low return on equity of -11.6% over last 3 years
  • Company has a low return on capital employed of 5.8%
  • Promoter holding has decreased over last 2 years: -3.8pp
  • Equity base is being diluted - shares outstanding up 61.0%
  • Operating margins have contracted to 26.6% from 67.2%
  • Company has delivered a poor profit growth of -20.6% over past five years

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesFinanceFinance - NBFC
Part ofNIFTY 50NIFTY 500NIFTY LARGEMIDCAP 250NIFTY 100NIFTY 200
S.No.Name
1.BAJFINANCE1034.2031.71643888.190.586080.6027.6023165.4520.3710.8770.70
2.SHRIRAMFIN1028.0021.37241893.031.053452.7759.9013400.4317.4611.4974.63
3.CHOLAFIN1845.0027.40157575.180.111656.2245.568856.2921.899.7070.07
4.TATACAP362.8028.50154003.850.1616281.801464.1688219.301051.008.6675.72
5.JIOFIN230.0073.49151872.260.268302.502457.2920044.703172.822.1169.71
6.BAJAJHLDNG11120.7013.97123766.171.752708.08-92.27394.3323.3414.81684.72
7.MUTHOOTFIN2794.409.86112186.351.072824.8443.088671.6036.2515.8783.76
8.ABCAPITAL398.6026.59109118.680.001223.8543.8512179.54137.848.8241.91
9.LTF309.5024.3777571.610.89915.9930.705212.9222.388.5462.13
10.SBICARD656.0527.4462432.550.38664.4419.515040.557.6011.7529.83
11.HDBFS668.6525.5355549.100.60785.2038.314937.9018.719.0957.98
12.FUSION189.2518.203067.410.0062.41167.65458.175.466.2846.67
Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
5315475936466886924744664344013994014,582
2082132432865328847734583873182842583,959
Operating Profit323334350360157-187-2931648981321662,139
OPM %60.82%61.11%59.04%55.76%22.76%-27.08%-61.90%3.36%11.03%24.38%33.14%41.26%46.67%
Other Income22252029187321117861
Interest1831912012152232272141791491341231321,498
Depreciation22232333222217
159166166172-51-410-508-165-92-221437624
Tax %24.46%24.10%24.05%22.72%29.77%25.64%-41.73%-0.00%-0.00%-0.00%0.00%-205.24%0.00%
Net Profit120126126133-36-305-719-165-92-2214114624
12131312-3-28-65-15-7-2174

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
1852544867208561,1511,7422,3172,3441,6991,660
971821942904376766389492,6461,2471,256
Operating Profit88722924304194761,1041,367-302451403
OPM %47.44%28.37%60.00%59.73%48.90%41.32%63.39%59.02%-12.90%26.58%24.29%
1613431017546696256331
Interest97137244338375500651791844568540
Depreciation2223457912109
Profit before Tax5-54881005724512663-1,133-6392
Tax %14.91%26.47%25.92%30.39%22.62%10.94%24.38%23.82%-8.08%122.01%-83.70%
Net Profit4-3965704422387505-1,22514169
EPS1.18-11.0913.2110.325.492.6443.1350.22-121.660.86—
Dividend Payout %0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%—

COMPOUNDED SALES GROWTH

10 Years:
31%
5 Years:
15%
3 Years:
-1%

COMPOUNDED PROFIT GROWTH

10 Years:
0%
5 Years:
-21%
3 Years:
-67%

STOCK PRICE CAGR

10 Years:
—
5 Years:
—
3 Years:
-31%
1 Year:
7%

RETURN ON EQUITY

10 Years:
0%
5 Years:
-2%
3 Years:
-12%
Last Year:
1%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Corporate actions

No bonus data found

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
344162797983100101101162
1852145611,1161,1601,2462,2142,7291,5122,257
9351,5702,6342,9744,4325,7766,7788,6256,4125,585
Trade Payables0004113772681932
53118129377862122160249183
Total Liabilities1,2081,9433,3864,2095,7617,2049,28611,6838,2938,218
5566181921312726
211000000222
00000001447
Cash & Bank1675069358181,3351,1541,0651,5168311,957
8261,4322,4453,3854,4086,0318,20010,1197,4296,226
Total Assets1,2081,9433,3864,2095,7617,2049,28611,6838,2938,218

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
-245-594-941-706-739-1,599-1,550-1,3501,4481,146
Cash from Investing-199184-420101818317412
Cash from Financing5787411,3495451,4591,4181,5841,843-2,214-67
121329381-184676-204-61524-6921,092

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026

Shareholding Pattern

Numbers in percentages

Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
57.7157.7157.7157.7155.0154.9554.9254.5553.96
3.962.820.561.692.993.924.894.754.77
22.7919.1918.1316.9112.5711.8811.9414.4315.23
Government0.000.000.000.000.000.000.000.000.00
15.5420.2723.6123.6929.4429.2428.2526.2926.04

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-08
Updates

2026-09-08 - Fusion Finance Limited has informed the Exchange regarding 'Disclosure under Regulation 30 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 Transfer of stressed loan portfolio to Asset Reconstruction Company'.

2026-09-03
General Updates

2026-09-03 - Fusion Finance Limited has informed the Exchange about General Updates

2026-08-31
Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-31 - Fusion Finance Limited has informed the Exchange about Schedule of meet

2026-08-17
Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-17 - Fusion Finance Limited has informed the Exchange about Transcript

2026-08-15
General Updates

2026-08-15 - Fusion Finance Limited has informed the Exchange about General Updates

2026-08-13
News Verification

2026-08-13 - The Exchange has sought clarification from Fusion Finance Limited with respect to recent news item captioned Fusion Finance aims to cut microfin share, offer larger retail loans. The response from the Company is attached.

2026-08-12
News Verification

2026-08-12 - The Exchange has sought clarification from Fusion Finance Limited with respect to recent news item captioned Fusion Finance aims to cut microfin share, offer larger retail loans. The response from the Company is awaited.

2026-08-11
Copy of Newspaper Publication

2026-08-11 - Fusion Finance Limited has informed the Exchange about Copy of Newspaper Publication

2026-08-11
General Updates

2026-08-11 - Fusion Finance Limited has informed the Exchange about General Updates

News

Recent coverage and analyst commentary for FUSION

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