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Fusion Finance

FUSION
Small Cap
(%) 1D
1D1W1M3M6M1YMAX

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Fusion Finance Share price and Fundamental Analysis

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Fusion Micro Finance Ltd. was originally incorporated as Ambience Fincap Private Limited' on September 5, 1994 at New Delhi, India as a Private Limited Company under the Companies Act, 1956. Subsequently, name of the Company changed to Fusion Micro Finance Private Limited' and a fresh Certificate of Incorporation, dated April 19, 2010 was issued by the RoC to describe the business of the Company, post which the RBI granted a certificate of registration dated May 19, 2010 reflecting the change of name. The name of Company was further changed to Fusion Micro Finance Limited upon conversion to a Public Limited Company on July 20, 2021, post which a fresh Certificate of Registration as an NBFC (not accepting public deposits) dated October 1, 2021, was issued by the RBI reflecting the change in name of the Company.
Company Incorporation1994
ChairmanNA
Head QuartersGurgaon
Previous NameFusion Micro Finance Ltd

Key Metrics

Market Cap (Cr)
2,520.38
PE Ratio
0
Industry P/E
28.77
PEG Ratio
0
ROE
-3.23%
ROCE
6.64%
ROA
-8.08%
Total Debt (Cr)
Debt to Equity
Dividend Yield
0%
EPS
0
Book Value & P/B
205.01 x 0.76
Face Value
10
Outstanding Shares(Cr)
16.21
Current Ratio
EV to Sales
3.72

Included In

S&P BSE Small-CapIndex
S&P BSE Allcap IndexIndex

Stock Returns

1 Week-0.46%
1 Month+18.49%
6 Months-19.66%
1 Year-65.46%
3 Years-50.01%
5 Years-50.01%

CAGR

1 Year CAGR

Revenue Growth

+33%

Net Profit Growth

+30.52%

Financing Profit Growth

+28.08%

Dividend Growth

N/A

Stock Returns CAGR

-67.01%
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Corporate Action

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Financials

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Auditor Report
Mar 25

Promoters : 57.71%

FIIs : 1.69%

DIIs : 16.91%

Public : 23.69%

Promoter
FII/FPI
DII
Public
Promoter Pledge stands at 6.38% of holding in March 2025 Qtr
FII Shareholding Increased by 1.14% to 1.69% in March 2025 Qtr
DII Shareholding Decreased by 1.22% to 16.91% in March 2025 Qtr

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Key Ratios

Profitability
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Liquidity

ROE

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ROCE

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ROA

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NPM

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Dividend History

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Fusion Finance Competitors

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ROE(TTM)

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Current Ratio(TTM)

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5 Year FactSheet

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Efficiency Ratios
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Fusion Finance Management and History

Company Management

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Company History

Fusion Micro Finance Ltd. was originally incorporated as Ambience Fincap Private Limited' on September 5, 1994 at New Delhi, India as a Private Limited Company under the Companies Act, 1956. Subsequently, name of the Company changed to Fusion Micro Finance Private Limited' and a fresh Certificate of Incorporation, dated April 19, 2010 was issued by the RoC to describe the business of the Company, post which the RBI granted a certificate of registration dated May 19, 2010 reflecting the change of name. The name of Company was further changed to Fusion Micro Finance Limited upon conversion to a Public Limited Company on July 20, 2021, post which a fresh Certificate of Registration as an NBFC (not accepting public deposits) dated October 1, 2021, was issued by the RBI reflecting the change in name of the Company.

The Company is a microfinance company providing financial services to underserved women across India in order to facilitate their access to greater economic opportunities. It had the fourth fastest gross loan portfolio CAGR of 53.89% between the financial years 2017 and 2021 among the 10 largest NBFC-MFIs in India, and was one of the youngest companies among top NBFC-MFIs in India in terms of AUM as of June 30,2022, according to CRISIL. As of June 30, 2022 and March 31, 2022, 2021 and 2020, the total AUM was Rs. 73,890.23 million, Rs. 67,859.71 million, Rs. 46,378.39 million and Rs. 36,065.24 million, respectively. As of June 30, 2022, the Company had 2.90 million active borrowers which were served by nearly 966 branches and 9,262 permanent employees spread across 377 districts in 19 states and union territories in India.

The Company is primarily engaged in micro finance lending activities, providing financial services to poor women in India who are organized as Joint Liability Group(JLGs). It provides small value collateral free loans. Apart from micro finance lending, it also has lending to MSME enterprises. It uses its distribution channel to provide other financial products and services to the members primarily relate to providing of loans to the members for the purchase of certain productivity enhancing products such as mobile handsets, bicycle.

The key product offerings are income-generating loans that provide capital for women entrepreneurs in rural areas to fund businesses operating in agriculture-allied and agriculture, manufacturing and production, trade and retail, and services sectors. In addition, it offer existing customers cross-sell loans that are utilized for livelihood and productivity enhancing purposes as well as MSME loans to eligible enterprises.

It is further premised on the fact that if such individuals are given access to credit, they will be able to identify new opportunities and/or grow existing income-generating activities such as running local retail shops, providing tailoring and other assorted trades and services, raising livestock, cottage production such as pottery, basket weaving and mat making, land and tree leasing, among others. It lend to women in low income households, even if loan proceeds are used in the household business that is run by the family, including the husband.

The Company came out with a public issue during November, 2022 by raising Rs. 1103.99 crores through fresh issue amounting to Rs. 600 crores and offer for sale amounting to Rs. 503.99 crores.

Fusion Finance Share Price

Fusion Finance share price reflects investor sentiment toward the company and is impacted by various factors such as financial performance, market trends, and economic conditions. Share price is an indicator which shows the current value of the company's shares at which buyers or sellers can transact.

Fusion Finance Market Cap

Market capitalization of Fusion Finance indicates the total value of its outstanding shares. Marketcap is calculated by multiplying share price and outstanding shares of the company. It is a helpful metric for assessing the company's size and market Valuation. It also helps investors understand how Fusion Finance is valued compared to its competitors.

Fusion Finance PE Ratio

Fusion Finance PE ratio helps investors understand what is the market value of each stock compared to Fusion Finance 's earnings. A PE ratio higher than the average industry PE could indicate an overvaluation of the stock, whereas a lower PE compared to the average industry PE could indicate an undervaluation.

Fusion Finance PEG Ratio

The PEG ratio of Fusion Finance evaluates its PE ratio in relation to its growth rate. A PEG ratio of 1 indicates a fair value, a PEG ratio of less than 1 indicates undervaluation, and a PEG ratio of more than 1 indicates overvaluation.

Fusion Finance ROE (Return on Equity)

Return on Equity (ROE) measures how effectively Fusion Finance generates profit from shareholders' equity. A higher ROE of more than 20% indicates better financial performance in terms of profitability.

Fusion Finance ROCE (Return on Capital Employed)

Return on Capital Employed (ROCE) evaluates the profitability of Fusion Finance in relation to its capital employed. In simple terms, ROCE provides insight to investors as to how well the company is utilizing the capital deployed. A high ROCE of more than 20% shows that the business is making profitable use of its capital.

Fusion Finance Total Debt

Total debt of Fusion Finance shows how much the company owes to either banks or individual creditors. In simple terms, this is the amount the company has to repay. Total debt can be a very useful metric to show the financial health of the company. Total debt more than equity is considered to be a bad sign.

Fusion Finance Debt to Equity Ratio

The Debt-to-Equity (DE) ratio of Fusion Finance compares its total debt to shareholders' equity. A higher Debt to Equity ratio could indicate higher financial risk, while a lower ratio suggests that the company is managing its debt efficiently.

Fusion Finance CAGR (Compound Annual Growth Rate)

CAGR shows the consistent growth rate of Fusion Finance over a specific period, whether it is over a month, a year, or 10 years. It is a key metric to evaluate the company’s long-term growth potential. Main metrics for which CAGR is calculated are net sales, net profit, operating profit, and stock returns.

Fusion Finance Technical Analysis

Technical analysis of Fusion Finance helps investors get an insight into when they can enter or exit the stock. Key components of Fusion Finance Technical Analysis include:

Support Levels (S1, S2, S3)

There are usually multiple support levels, but the main support levels for a stock are S1, S2, S3. Support levels indicate price points where stock might get support from buyers, helping the stock stop falling and rise.

Resistance Levels (R1, R2, R3)

There are usually multiple resistance levels, but the main resistance levels for a stock are R1, R2, R3. Resistance levels represent price points where Fusion Finance shares often struggle to rise above due to selling pressure.

Fusion Finance Dividends

Dividends refer to the portion of the company’s profits distributed to its shareholders. Dividends are typically paid out in cash and reflect Fusion Finance ’s financial health and profitability.

Fusion Finance Bonus Shares

Bonus shares are usually given by companies to make the stock more affordable, increase liquidity, boost investor confidence, and more.

Fusion Finance Stock Split

Stock split increases the number of its outstanding shares by dividing each existing share into multiple shares. When the company offers a stock split, the face value of the stock reduces in the same proportion as the split ratio.

Fusion Finance Financials

The financials of Fusion Finance provide a complete view to investors about its net sales, net profit, operating profits, expenses, and overall financial health. Investors can analyze financial data to assess the company’s stability and also understand how the company has been growing financially.

Fusion Finance Profit and Loss Statements

The profit and loss statement of Fusion Finance highlights its net sales, net profit, total expenditure, and operating profits in the current financial year. This Profit and Loss statement is crucial for evaluating the profitability and financial stability of Fusion Finance .

Fusion Finance Balance Sheet

The balance sheet presents a snapshot of Fusion Finance ’s assets, liabilities, and equity of shareholders, providing insights into the financials of the company.

Fusion Finance Cashflow Statements

Cashflow statements track the company's cash inflows and outflows over a period. It is an essential tool for understanding how well the company manages its liquidity and finances.

Fusion Finance Net Interest Margin (NIM)

Fusion Finance Net Interest Margin (NIM) tells about the profitability earned by all NBFCs and financial institutions. It represents the income generated by the bank from the difference between the interest earned on loans and the interest paid on public deposits. Net Interest Margin (NIM) is a metric that monitors the profitability generated from a bank's lending activities.

Fusion Finance Non-Performing Assets (NPA) Ratio

Non-Performing Assets (NPA) indicate the ratio of a bank's loans that are classified as non-performing. A lower NPA ratio reflects stronger asset quality and more effective risk management.

Fusion Finance Capital Adequacy Ratio (CAR)

Capital Adequacy Ratio (CAR) is a metric to measure the bank's ability to absorb losses and still remain financially stable. A higher CAR shows that the bank is financially sound and can absorb potential losses.

Fusion Finance Gross NPA

Gross NPA is the percentage of total non-performing loans before provisioning, while net NPA is the percentage after provisioning. Lower gross and net NPA ratios indicate better loan quality.

Fusion Finance Net NPA Ratio

Net NPA is the actual losses a bank has incurred due to NPA accounts. Lower the NPA, better the banks can maintain stable income from interest on loans.

Fusion Finance CASA Ratio

CASA ratio tells how much of a bank's total deposits are in both current and savings accounts.

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