Fusion Finance Ltd
FUSIONFusion Finance Ltd
FUSION
Price Chart
Scorecard
Performance
LowHasn't fared well - amongst the low performers
Valuation
HighSeems to be overvalued vs the market average
Growth
AvgFinancials growth has been moderate for a few years
Profitability
AvgAverage profitability - not good, not bad
Entry point
GoodThe stock is underpriced and is not in the overbought zone
Red flags
LowNo red flag found
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Key Metrics
| No LabelNo Label | PB RatioPB Ratio | Dividend YieldDiv. Yield |
|---|---|---|
| -22.17 | 0.63 | — |
| Sector PESector PE | Sector PBSector PB | Sector Div YldSctr Div Yld |
|---|---|---|
| 17.87 | 2.49 | 0.97% |
Forecast & Ratings
Detailed Forecast from 7 analysts
Price
Price Upside
Earnings
Earnings Growth
Revenue
Rev. Growth
Company Profile
Fusion Micro Finance provides financial services to underserved women across India in order to facilitate their access to greater economic opportunities.
Investor Presentation
View olderPeers
Compare with peersBajaj Finance Ltd
Jio Financial Services Ltd
Shriram Finance Ltd
Bajaj Housing Finance Ltd
Cholamandalam Investment and Finance Company Ltd
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Forecasts
Price
Revenue
Earnings
Price Forecast
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Revenue Forecast
All values in ₹ Thousand cr.
All values in ₹ Thousand cr.
Earnings Per Share Forecast
All values in ₹
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Income
Balance Sheet
Cash Flow
Income Statement
| Financial Year | FY 2016 | FY 2017 | FY 2018 | FY 2019 | FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | TTM | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | 110.35 | 201.04 | 267.31 | 497.05 | 730.31 | 873.09 | 1,201.35 | 1,799.97 | 2,412.42 | 2,698.77 | ||||||||||
Raw Materials | — | — | — | — | — | — | — | — | — | 2,811.12 | ||||||||||
| Power & Fuel Cost | — | — | — | — | — | — | — | — | — | |||||||||||
| Employee Cost | 25.81 | 48.32 | 66.10 | 103.33 | 148.33 | 168.64 | 233.07 | 325.52 | 431.22 | |||||||||||
| Selling & Administrative Expenses | — | — | — | — | — | — | — | — | — | |||||||||||
| Operating & Other expenses | 61.21 | 146.31 | 252.78 | 322.93 | 479.40 | 643.76 | 938.48 | 955.06 | 1,308.93 | |||||||||||
EBITDA | 23.33 | 6.41 | -51.57 | 70.79 | 102.58 | 60.69 | 29.80 | 519.39 | 672.27 | -112.35 | ||||||||||
| Depreciation/Amortization | 1.04 | 1.60 | 2.04 | 2.39 | 2.58 | 3.89 | 5.37 | 7.41 | 9.01 | 10.37 | ||||||||||
| PBIT | 22.29 | 4.81 | -53.61 | 68.40 | 100.00 | 56.80 | 24.43 | 511.98 | 663.26 | -122.72 | ||||||||||
| Interest & Other Items | — | — | — | — | — | — | — | — | — | — | ||||||||||
| PBT | 22.29 | 4.81 | -53.61 | 68.40 | 100.00 | 56.80 | 24.43 | 511.98 | 663.26 | -122.72 | ||||||||||
| Taxes & Other Items | 8.87 | 0.72 | -14.19 | 17.73 | 30.39 | 12.85 | 2.67 | 124.83 | 157.97 | -41.20 | ||||||||||
| Net Income | 13.42 | 4.09 | -39.42 | 50.67 | 69.61 | 43.95 | 21.76 | 387.15 | 505.29 | -81.52 | ||||||||||
| EPS | 8.24 | 1.59 | -10.34 | 9.53 | 9.48 | 5.32 | 2.61 | 41.86 | 50.11 | -8.07 | ||||||||||
| DPS | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | ||||||||||
| Payout ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Company Updates
Investor Presentation
Peers & Comparison
FinancialsConsumer Finance
Valuation
Technical
Forecast
Compare valuation on Screener| Stock | PE RatioPE Ratio | PB RatioPB Ratio | Div. YieldDividend Yield |
|---|---|---|---|
| Fusion Finance Ltd | 3.58 | 0.63 | — |
| Bajaj Finance Ltd | 30.29 | 5.71 | 0.51% |
| Jio Financial Services Ltd | 128.53 | 1.48 | — |
| Shriram Finance Ltd | 14.96 | 2.22 | 1.53% |
Price Comparison
Compare FUSION with any stock or ETFShareholdings
Promoter Holdings Trend
Total Promoter Holding
In last 6 months, promoter holding in the company has almost stayed constant
Low Pledged Promoter Holding
Pledged promoter holdings is insignificant
Institutional Holdings Trend
Increased Total Retail Holding
In last 3 months, retail holding in the company has increased by 4.38%
Decreased Foreign Institutional Holding
In last 3 months, foreign institutional holding of the company has decreased by 1.13%
Shareholding Pattern
Dec 2023
Mar 2024
Jun 2024
Sep 2024
Shareholding History
Mutual Funds Holding Trend
Decreased Mutual Fund Holding
In last 3 months, mutual fund holding of the company has decreased by 3.41%
Top 5 Mutual Funds holding Fusion Finance Ltd
| Funds (Top 5) | The rupee value of the stock held by the fund divided by the stock’s market cap Market-cap held | Percentage of the fund’s portfolio invested in the stock Weight | Change in the portfolio weight of the stock over the last 3 months 3M holding change | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months Portfolio rank(3M change) |
|---|---|---|---|---|
Nippon India Small Cap Fund - Growth - Direct Plan Growth | The rupee value of the stock held by the fund divided by the stock’s market cap 4.9101% | Percentage of the fund’s portfolio invested in the stock 0.14% | Change in the portfolio weight of the stock over the last 3 months -0.11% | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months 223/234 (-76) |
HDFC Multi Cap Fund - Growth - Direct Plan Growth | The rupee value of the stock held by the fund divided by the stock’s market cap 1.7583% | Percentage of the fund’s portfolio invested in the stock 0.18% | Change in the portfolio weight of the stock over the last 3 months -0.14% | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months 151/221 (-41) |
ICICI Prudential Banking & Financial Services Fund - Growth - Direct Plan Growth | The rupee value of the stock held by the fund divided by the stock’s market cap 1.3634% | Percentage of the fund’s portfolio invested in the stock 0.27% | Change in the portfolio weight of the stock over the last 3 months -0.18% | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months 34/53 (-10) |
Compare 3-month MF holding change on Screener
smallcases
Looks like this stock is not in any smallcase yet.
Events
Dividend Trend
No Dividends
FUSION has not given any dividends in last 5 years
Dividends
Corp. Actions
Announcements
Legal Orders
Dividends
Hmm, looks like data is unavailable here. Please come back after some timeFusion Finance will hold a meeting of the Board of Directors of the Company on 4 December 2024Powered by Capital Market - Live
Total income rose by 23.19% year-over-year (YoY) to Rs 703.71 crore during the quarter. Net interest income (NII) improved by 30.46% to Rs 397.29 crore in Q2 FY25 from Rs 304.54 crore in Q2 FY24. Net interest margin in Q2 FY25 was 11.48% in Q2 FY25 as against 11.12% in Q2 FY24. Accordingly, the NBFC's pre-provision operating profit (PPOP) for the second quarter was Rs 283.84 crore, up 17.39% YoY. The impairment charge on financial instruments increased sharply to Rs 694.05 crore in Q2 FY25 from Rs 76.20 crore in Q2 FY24. Expected credit loss (ECL) provision jumped to Rs 1,140.62 crore in Q2 FY25 from Rs 300.24 crore in Q2 FY24. Consequently, the company posted a pre-tax loss of Rs 410.21 crore in Q2 FY25. The firm had recorded a pre-tax profit of Rs 165.59 crore in Q2 FY24. Gross NPA was 9.41% as on 30 September 2024 as against 2.68% as on 30 September 2023 and 5.46% as on 30 June 2024. Disbursements stood at Rs 1,661 crore in Q2 FY25, which is lower by 29.13% as compared with the quantum of Rs 2,343.77 crore disbursed in Q2 FY24. Asset under Management (AUM) grew by 15.41% to Rs 11,571 crore in Q2 FY25 from Rs 10,026 crore in Q2 FY24. Devesh Sachdev, MD & CEO, Fusion Finance, said: 'During Q2 FY25, we continued to experience the impact of delinquency trends seen industry-wide, making this a tough quarter. As shared previously, we have been closely tracking the evolving credit behaviour of the borrowers and have implemented strong measures to tighten credit criteria for new disbursements along with an increased focus on field collections and have also curtailed our growth resulting in muted AUM numbers QoQ basis. Our ECL provisioning for this quarter is higher, thus impacting our overall profitability. Having said that, our pre-provisioning profit (PPOP) on YoY basis remains steady, and we continue to have a strong balance sheet with a healthy CAR of 24.39%. We expect to file the documents for rights issue of up to Rs 550 crore in this quarter. As we continue to take a calibrated approach, our focus will be on treading the prudent growth path.' Fusion Finance is amongst India's leading non-banking financial company-microfinance institutions (NBFC-MFIs). The company has been growing consistently with an extensive network of 1,463 branches spread across 22 states including 3 Union Territories, as of 30 September 2024. The scrip had tumbled 4.99% to end at Rs 177.85 on the BSE on Thursday. Powered by Capital Market - Live
Net loss of Fusion Finance reported to Rs 305.04 crore in the quarter ended September 2024 as against net profit of Rs 125.69 crore during the previous quarter ended September 2023. Sales rose 26.51% to Rs 691.55 crore in the quarter ended September 2024 as against Rs 546.64 crore during the previous quarter ended September 2023. ParticularsQuarter EndedSep. 2024Sep. 2023% Var. Sales691.55546.64 27 OPM %-27.7961.11 - PBDT-407.36167.68 PL PBT-410.21165.59 PL NP-305.04125.69 PL Powered by Capital Market - Live
Fusion Finance has revised the meeting of the Board of Directors which was scheduled to be held on 11 November 2024. The meeting will now be held on 14 November 2024.Powered by Capital Market - Live
Fusion Finance will hold a meeting of the Board of Directors of the Company on 14 November 2024Powered by Capital Market - Live
Fusion Finance will hold a meeting of the Board of Directors of the Company on 11 November 2024Powered by Capital Market - Live
Fusion Finance announced that an Extra Ordinary General Meeting (EGM) of the Company will be held on 30 October 2024 .Powered by Capital Market - Live
The Board of Fusion Micro Finance at its meeting held on 05 October 2024 has approved the appointment of Puneet Gupta (DIN: 02728604) as an Additional Non-Executive Independent Director of the Company with effect from 05 October 2024. Powered by Capital Market - Live
The Board of Fusion Micro Finance at its meeting held on 05 October 2024 has approved raising of funds up to Rs 550 crore through rights issue. The Board also approved increase in authorised share capital from Rs 105 crore to Rs 200 crore. Powered by Capital Market - Live
Fusion Micro Finance will hold a meeting of the Board of Directors of the Company on 5 October 2024.Powered by Capital Market - Live
Higher than Industry Revenue Growth
Over the last 5 years, revenue has grown at a yearly rate of 37.15%, vs industry avg of 15.21%
Increasing Market Share
Over the last 5 years, market share increased from 0.4% to 1.03%
Higher than Industry Net Income
Over the last 5 years, net income has grown at a yearly rate of 58.4%, vs industry avg of 20.97%