Arthneeti

Fusion Finance Q1 FY27 Share Price & Earnings Call Analysis

₹135.18-0.01% today
Market cap
₹2,186 Cr
P/E
12.97
ROE
0.68%
PEG
-0.20
Price to sales
1.30
Debt to equity
2.27
52W high / low
₹237 / ₹135
Sales growth (5Y)
14.69%
EBITDA margin
34.98%
Net profit margin
0.82%
Promoter holding
53.97%
Sales (last year)
₹1,699 Cr

Incorporated in 1994, Fusion Finance Ltd is primarily engaged in microfinance lending activities[1]

Guidance scorecard · Q1 FY27 call

What Fusion Finance Ltd's management guided
and where it ranks in Finance

#12of 59 in
Finance
Revenue20–40%MarginsUp 0–2%CapexPlannedFundraisingPlannedOrder bookRising

RevenueQ1 FY27 call

20–40%
  • 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 from Fusion Finance Ltd's call on revenue

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Full Q1 FY27 analysis

MarginsQ1 FY27 call

Up 0–2%

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

Full Q1 FY27 analysis

CapexQ1 FY27 call

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.
  • Current capital adequacy is strong at 36%, with leverage at 2.32x; no immediate need for capital raise.
  • Strategy focuses on utilizing existing real estate for branch rationalization and MSME expansion, avoiding separate real estate investments.

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

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Full Q1 FY27 analysis

FundraisingQ1 FY27 call

Planned

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

Full Q1 FY27 analysis

Order bookQ1 FY27 call

Rising

Ask what Fusion Finance Ltd said on the order book →

Full Q1 FY27 analysis
Full Finance ranking

Ranges are what management guided for revenue growth and margins on the latest earnings call. Not investment advice, and not a forecast of returns.

Potential multibaggers · Q2 FY27

Potential multibaggers in Finance
on management's own guidance

  1. Strong growth
    2
  2. Strong growth
    1
  3. Strong growth
    3
See all potential multibaggersWhere does Fusion Finance Ltd rank?

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Ranks describe management commentary on revenue and margin from the latest earnings call. Not investment advice.

Peers

Finance companies ranked on guidance

#CompanyRevenue guidedMargin guidedMarket capP/E
140%+Up 2%+₹2,742 Cr71.8
240%+Up 2%+₹464 Cr23.9
340%+Up 0–2%₹961 Cr32.7
440%+Flat₹23,820 Cr21.1
540%+Flat₹16,498 Cr72.4
640%+Flat₹15,549 Cr—

Sign up free to see every company in the sector ranking and track Fusion Finance Ltd.

Pro shows every company guiding 40%+ revenue growth →Full Finance ranking

Financials of Fusion Finance Ltd

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Financials of Fusion Finance Ltd

Quarterly Results

Quarter-by-quarter operating performance

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue +501531547593646688692474466434401416424
Interest174183191201215223227214179149134123132
Expenses +192208213243286532884773458387318284258
Financing Profit134140143149145-67-420-513-171-101-52933
Financing Margin %27%26%26%25%22%-10%-61%-108%-37%-23%-13%2%8%
Other Income +20222520291812910113286
Depreciation2222323332222
Profit before tax152159166166172-51-410-508-165-92-221437
Tax %25%24%24%24%23%-30%-26%42%0%0%0%0%-205%
Net Profit +115120126126133-36-305-719-165-92-2214114
EPS in Rs7.097.467.757.808.19-2.20-18.82-44.38-10.15-5.69-1.370.877.08
Gross NPA %3.46%3.20%2.68%3.04%2.89%5.46%9.41%12.58%7.92%5.43%4.61%4.38%
Net NPA %0.87%0.78%0.65%0.77%0.77%1.25%2.41%1.71%0.30%0.19%0.38%0.63%

Financials of Fusion Finance Ltd

Profit & Loss

Annual income statement trend

Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue +2664947208561,1511,7422,3172,3201,699
Interest137254338375496643791844539
Expenses +1821722904376766389492,6461,247
Financing Profit-53689343-20461577-1,170-87
Financing Margin %-20%14%13%5%-2%26%25%-50%-5%
Other Income +1310175058964934
Depreciation22345791210
Profit before tax-54681005724512663-1,133-63
Tax %-26%26%30%23%11%24%24%8%-122%
Net Profit +-3951704422387505-1,22514
EPS in Rs-5.704.815.143.251.6123.9731.17-75.540.86
Dividend Payout %0%0%0%0%0%0%0%0%0%

Financials of Fusion Finance Ltd

Balance Sheet

Capital structure and asset base

Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital4162797983100101101162
Reserves2145641,1201,1671,2552,2222,7481,5432,294
Borrowing1,6082,9292,9744,4325,7766,7788,6166,4025,571
Other Liabilities +1065667159177263310247268
Total Liabilities1,9683,6114,2405,8387,2909,36411,7748,2938,295
Fixed Assets +566181921312745
CWIP000000220
Investments000000222
Other Assets +1,9633,6044,2335,8207,2719,34211,7398,2618,248
Total Assets1,9683,6114,2405,8387,2909,36411,7748,2938,295

Financials of Fusion Finance Ltd

Cash Flows

Operating, investing and financing cash movement

Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +-597-1,418-749-793-1,641-1,663-1,3501,4481,146
Cash from Investing Activity +1841520101818317412
Cash from Financing Activity +7411,6315451,4591,4181,5841,843-2,214-67
Net Cash Flow329229-184676-204-61524-6921,092
Free Cash Flow-599-1,421-753-801-1,647-1,671-1,3701,4411,145
CFO/OP-708%-433%-164%-177%-336%-140%-89%-453%248%

Financials of Fusion Finance Ltd

Ratios

Working capital efficiency and return ratios

Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %-15%12%8%4%2%21%20%-55%1%

Guidance history

How Fusion Finance Ltd's guidance has moved, call by call

CallRevenueMarginsCapexFundraisingOrder book
Q1 FY27 call →20–40%Up 0–2%PlannedPlannedRising
Q4 FY26 call →10–20%Flat—PlannedFlat
Q3 FY26 call →40%+Up 0–2%PlannedPlannedRising
Q2 FY26 call →10–20%FlatPlannedPlannedRising

What management guided on each call, newest first. Not investment advice, and not a forecast of returns.

7out of 100

Momentum score · price trend

7 out of 100 — Cooling

Over the past year its share price has done worse than most of the stocks we track.

PeriodShare price changeBetter than … of 1,910 stocks
Last 12 months−26.9%27%
Last 6 months−29.3%8%
Last 3 months−31.9%3%

The price is 78.8% below its all-time high of ₹637.12 (28 Jul 2023). Stocks more than 20% below their peak have their score halved, so 15 became 7.

How we calculate it

“Better than 30%” means that over that period the share price did better than 30 out of every 100 stocks we track (1,910 Indian companies worth ₹500 Cr or more, with at least a year of prices).

The score weighs the longer periods more: 40% × 12-month + 40% × 6-month + 20% × 3-month. For Fusion Finance Ltd: 0.4 × 27 + 0.4 × 8 + 0.2 × 3 = 15, halved to 7 because the price is more than 20% below its all-time high.

Strengthening is 70 and above, Steady 40 to 70, Cooling below 40. Scores are recalculated every night after the market closes.

Full methodology →

This describes only how the share price has moved up to 29 Oct 2026, compared with other stocks. It says nothing about the business, and it is not a prediction, a price target or a recommendation to buy or sell.

Continue your research

What Fusion Finance Ltd's management said in earlier quarters

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