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Fusion Finance Ltd

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Fusion Finance Q3 FY25 earnings call: Revenue & Margins

Q3 FY25 earnings call: what management guided on revenue, margins and order book.

Price₹200
Market cap₹3.4K Cr
P/E244.8
Updated23 Aug 2026
Read4 min read

The short version

Fusion Finance is currently adopting a cautious and calibrated approach towards growth due to industry guardrails and evolving credit underwriting norms. Fusion Finance expects stabilization and normalization in collections and portfolio quality over the next 1-2 quarters (Q4 FY25 to Q1 FY26), leading to a sustainable growth path thereafter.

From Fusion Finance Ltd's Q3 FY25 earnings-call transcript · updated 23 Aug 2026.

Revenue & Sales Performance

  • Fusion Finance is currently adopting a cautious and calibrated approach towards growth due to industry guardrails and evolving credit underwriting norms.
  • The company expects stabilization and normalization in collections and asset quality over the next 1-2 quarters (Q1 2026 onwards).
  • Growth will be pursued sustainably once empirical evidence of on-ground recovery and liquidity certainty is established.
  • There is visible deleveraging in the customer base, with superior-quality portfolios building up since August 2024.
  • The company has 1,400 branches and a strong network, which positions it well to resume growth after the sector stabilizes.

2 more points from Fusion Finance Ltd's call on revenue

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Profitability & Margins

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

Capital Expenditure Plans

  • Fusion Finance Limited is investing in enhancing its technology framework.
  • Earlier this financial year, they introduced FinDost, their in-house LOS and LMS platform for the MSME vertical.
  • They have started building a hybrid model for the microfinance vertical, planned for the coming financial year.

2 more points from Fusion Finance Ltd's call on capex

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Top-ranked in Finance

Ranked on what management guided this quarter

Guidance-ranked
1Mufin Green
Rev 1Mar 1
2Akiko
Rev 1Mar 1
3
Rev 1Mar 2
4
Rev 1Mar 3
5
Rev 1Mar 3
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Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.

Fundraising & Capital Structure

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

Order Book & Pipeline

The document does not explicitly provide details on the current or expected order book or pending orders for Fusion Finance Limited. The focus is primarily on the company's financial performance, credit quality, customer leverage, disbursement approach, and industry outlook. Key points related to business status include: - AUM moderated to INR 10,599 crores, showing a focus on portfolio quality and deleveraging. - Disbursement approach remains calibrated and prudent, with gradual pickup expected after stabilization. - Positive signs of improvement seen in customer collections and early delinquency trends. - No direct mention or quantification of order book or pending orders.

2 more points from Fusion Finance Ltd's call on order book

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Continue your research

What Fusion Finance's management said in earlier quarters

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Frequently Asked Questions

What were Fusion Finance Ltd Q3 FY25 results?

Fusion Finance is currently adopting a cautious and calibrated approach towards growth due to industry guardrails and evolving credit underwriting norms. Fusion Finance expects stabilization and normalization in collections and portfolio quality over the next 1-2 quarters (Q4 FY25 to Q1 FY26), leading to a sustainable growth path thereafter.

What is Fusion Finance Ltd share price analysis?

Fusion Finance Ltd currently shows a neutral. The stock trades at a P/E of 244.8 with a market cap of ₹3,391 Cr. Investors should review the full earnings analysis for detailed insights.

Is Fusion Finance Ltd planning capital expenditure?

Fusion Finance Limited is investing in enhancing its technology framework.

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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.