Fusion Finance Ltd
Fusion Finance Q3 FY26 earnings call: Revenue & Margins
Q3 FY26 earnings call: what management guided on revenue, margins and order book.
The short version
Fusion Finance targets significant growth in its loan book, aiming to increase from approximately INR 7,200-7,300 crore to around INR 10,200 crore (about 40% growth) over the next year. Fusion Finance targets crossing INR 10,000 crore in AUM in FY27, indicating significant growth.
From Fusion Finance Ltd's Q3 FY26 earnings-call transcript · updated 23 Aug 2026.
Revenue & Sales Performance
- Fusion Finance targets significant growth in its loan book, aiming to increase from approximately INR 7,200-7,300 crore to around INR 10,200 crore (about 40% growth) over the next year.
- MSME loan book is expected to nearly double from INR 720 crore to INR 1,500 crore, focusing on secured lending with low risk (LTV around 55%).
- MFI book is anticipated to grow from INR 6,400 crore to INR 8,600 crore, driven by existing infrastructure utilization rather than new setup.
- About 15% of the total INR 10,000 crore AUM will be MSME loans, differentiating through lower credit costs and secure collateral.
2 more points from Fusion Finance Ltd's call on revenue
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Profitability & Margins
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Capital Expenditure Plans
- Fusion Finance is upgrading its Loan Origination System (LOS) and Loan Management System (LMS) to modern platforms.
- This technological upgrade is targeted for completion by May 2026.
- The modernization aims to improve front-end execution, reduce operational friction, provide real-time visibility into operational gaps, and support Joint Liability Group (JLG) operations more effectively.
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Ranked on what management guided this quarter
Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.
Fundraising & Capital Structure
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Order Book & Pipeline
- Fusion Finance is targeting to cross INR 10,000 crore in AUM by FY27.
- Current AUM at the end of the last fiscal year is approximately INR 7,200-7,300 crore.
- The growth from around INR 7,000 crore to INR 10,200 crore implies about 40% growth.
- MSME book is expected to almost double from INR 720 crore to INR 1,500 crore.
- MFI book expected to rise from approximately INR 6,400 crore to INR 8,600 crore.
- January disbursements stood at around INR 670 crore from approximately 1,10,000 customers.
- There is a significant focus on increasing disbursement and utilizing existing infrastructure rather than expanding branches.
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Frequently Asked Questions
What were Fusion Finance Ltd Q3 FY26 results?
Fusion Finance targets significant growth in its loan book, aiming to increase from approximately INR 7,200-7,300 crore to around INR 10,200 crore (about 40% growth) over the next year. Fusion Finance targets crossing INR 10,000 crore in AUM in FY27, indicating significant growth.
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 is upgrading its Loan Origination System (LOS) and Loan Management System (LMS) to modern platforms.
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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.