Fusion Finance Ltd

Q1 FY27Finance

Fusion Finance Q1 FY27 earnings call: Revenue & Margins

Q1 FY27 earnings call: what management guided on revenue, margins and order book.

Price₹184

Market cap₹3.0K Cr

P/E17.8

Updated24 Sept 2026

Read4 min read

What the Q1 FY27 call signalled

5 of 5 strong

RevenueGood growth

MarginMargins slightly up

CapexCapex planned

FundraiseFundraise planned

Order bookOrder book rising

The short version

Growth opportunities are promising with an expected good takeoff in the next 6 to 9 months. Fusion Finance is confident about good growth opportunities in the next 6 to 9 months, aiming to deliver ahead of expectations.

From Fusion Finance Ltd's Q1 FY27 earnings-call transcript · updated 24 Sept 2026.

Revenue & Sales Performance

Good growth

Growth opportunities are promising with an expected good takeoff in the next 6 to 9 months.
Targeting INR10,000 crores AUM for the year with a 20-25% CAGR growth over the next 3-4 years.
MSME business currently at INR800 crores, growing with about INR50 crores disbursed monthly, focusing on semi-urban and Tier 3/4 markets.
Plans to leverage existing MFI branches for MSME expansion, with 50 branches starting immediately and up to 200 identified for growth.
Introduction of new differentiated products for select MFI customers to increase share of wallet.
Individual loans to selective MFI customers expected to grow gradually, potentially reaching 10% of MFI disbursements.

2 more points management made on revenue & sales performance

Profitability & Margins

Fusion Finance is confident about good growth opportunities in the next 6 to 9 months, aiming to deliver ahead of expectations.
The company is targeting a calibrated AUM growth of around INR10,000 crores by FY27 with a 20-25% CAGR over the next 3-4 years.
Operating expenses (opex) are expected to increase modestly by 4-5% this year but with potential savings of 2-3% due to branch rationalization and resource optimization.
From next year onwards, the company aims for opex to average around 6-7% of average AUM.
Net interest margin (NIM) is expected to improve by 15-20 basis points by year-end, assuming stable interest rates.

2 more points management made on profitability & margins

See what Fusion Finance Ltd said on profitability & margins — free account, 30 seconds.

Capital Expenditure Plans

Capex planned

Fusion Finance Limited plans capital raise discussions around middle of FY27/28, about 6-7 months before then, aligning with growth plans for the next 2 years (Page 16).
Current capital adequacy is strong at 36%, with leverage at 2.32x; no immediate need for capital raise (Page 16).
Strategy focuses on utilizing existing real estate for branch rationalization and MSME expansion, avoiding separate real estate investments (Page 17).
New product launches (individual loans within MFI branches, MSME offerings) leverage current resources with minimal incremental opex impact (Page 17).

2 more points management made on capital expenditure plans

Top-ranked in Finance

Ranked on what management guided this quarter

5x potential

1Mufin Green Finance Ltd₹2.6K Cr

Rev 1Mar 1

2Akiko₹454 Cr

Rev 1Mar 1

3₹972 Cr

Rev 1Mar 2

4₹358 Cr

Rev 1Mar 2

5₹1.5L Cr

Rev 1Mar 3

Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.

Fundraising & Capital Structure

Fusion Finance Limited is well capitalized with a capital adequacy of about 36% and leverage of 2.32x, sufficient for its growth plans for approximately 2 years.
No immediate capital raise is planned; the company aims to initiate fundraising discussions around the middle of fiscal year 2027-28 (approximately 6 to 7 months before then).
The company plans to be "on the road" to discuss capital raise with investors by mid FY27-28.
Tier 1 capital ratio is broadly part of the 36% capital adequacy; regulatory minimum is 15%.
Regarding operating expenses and growth, no significant increase in resources or real estate is planned that would necessitate urgent capital raising.

2 more points management made on fundraising & capital structure

See what Fusion Finance Ltd said on fundraising & capital structure — free account, 30 seconds.

Order Book & Pipeline

Order book rising

The document does not explicitly mention current or expected orderbook or pending orders for Fusion Finance Limited.
Focus is primarily on loan book growth:
MFI (Microfinance Institution) segment is targeting 20-25% CAGR growth over 3-4 years.
MSME business currently at INR800 crores, disbursing roughly INR50 crores per month, with plans to expand within existing branches and tap new MSME markets using current branch real estate.
Growth plans include launching new individual loan products and secured offerings within MFI customers, scaling gradually.

2 more points management made on order book & pipeline

What Fusion Finance's management said in earlier quarters

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Frequently Asked Questions

What were Fusion Finance Ltd Q1 FY27 results?

What is Fusion Finance Ltd share price analysis?

Fusion Finance Ltd currently shows a moderate growth signal based on ranking data. The stock trades at a P/E of 17.8 with a market cap of ₹2,997 Cr. Investors should review the full earnings analysis for detailed insights.

Is Fusion Finance Ltd planning capital expenditure?

Fusion Finance Limited plans capital raise discussions around middle of FY27/28, about 6-7 months before then, aligning with growth plans for the next 2 years (Page 16).

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This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.