FUSION
Fusion Finance Limited (FUSION) Stock Analysis
Fusion Finance Limited is an Indian NBFC focused on microfinance and small-ticket lending to women borrowers and rural customers. It provides group loans and financial inclusion products. The company operates through field networks in multiple states. It is listed on Indian stock exchanges.
Financial Services › Credit Services
₹164.00
-4.28% 1W | -12.50% 52W
Market Cap
2.6k CR
P/E Ratio
16
52W High
₹243
52W Low
₹136.5
Div. Yield
0%
Beta
1
50 DMA
₹192.8
200 DMA
₹185.1
Profit Margin
19.6%
Inst. Own.
15.3%
⚡ APPROACHING SUPPORT
✅ BOUNCE FROM SUPPORT
Fundamentals
Profit & Loss
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 531 | 547 | 593 | 646 | 688 | 692 | 474 | 466 | 442 | 401 | 416 | 424 | 458 |
| Interest | 183 | 191 | 201 | 215 | 223 | 227 | 214 | 179 | 149 | 134 | 123 | 132 | 150 |
| Expenses | 208 | 213 | 243 | 286 | 532 | 884 | 773 | 458 | 387 | 318 | 284 | 258 | 244 |
| Financing Profit | 140 | 143 | 149 | 145 | -67 | -420 | -513 | -171 | -93 | -52 | 9 | 33 | 64 |
| Financing Margin % | 26% | 26% | 25% | 22% | -10% | -61% | -108% | -37% | -21% | -13% | 2% | 8% | 14% |
| Other Income | 22 | 25 | 20 | 29 | 18 | 12 | 9 | 10 | 3 | 32 | 8 | 6 | 0 |
| Depreciation | 2 | 2 | 2 | 3 | 2 | 3 | 3 | 3 | 2 | 2 | 2 | 2 | 2 |
| Profit before tax | 159 | 166 | 166 | 172 | -51 | -410 | -508 | -165 | -92 | -22 | 14 | 37 | 62 |
| Tax % | 24% | 24% | 24% | 23% | -30% | -26% | 42% | 0% | 0% | 0% | 0% | -205% | 0% |
| Net Profit | 120 | 126 | 126 | 133 | -36 | -305 | -719 | -165 | -92 | -22 | 14 | 114 | 62 |
| EPS in Rs | 7.46 | 7.75 | 7.80 | 8.19 | -2.20 | -18.82 | -44.38 | -10.15 | -5.69 | -1.37 | 0.87 | 7.08 | 3.86 |
| Gross NPA % | 3.20% | 2.68% | 3.04% | 2.89% | 5.46% | 9.41% | 12.58% | 7.92% | 5.43% | 4.61% | 4.38% | 3.21% | 2.51% |
| Net NPA % | 0.78% | 0.65% | 0.77% | 0.77% | 1.25% | 2.41% | 1.71% | 0.30% | 0.19% | 0.38% | 0.63% | 0.51% | 0.47% |
| Metric | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 266 | 494 | 720 | 856 | 1,151 | 1,742 | 2,317 | 2,344 | 1,699 | 1,699 |
| Interest | 137 | 254 | 338 | 375 | 496 | 643 | 791 | 844 | 539 | 540 |
| Expenses | 182 | 172 | 290 | 437 | 676 | 638 | 949 | 2,646 | 1,247 | 1,105 |
| Financing Profit | -53 | 68 | 93 | 43 | -20 | 461 | 577 | -1,146 | -87 | 55 |
| Financing Margin % | -20% | 14% | 13% | 5% | -2% | 26% | 25% | -49% | -5% | 3% |
| Other Income | 1 | 3 | 10 | 17 | 50 | 58 | 96 | 25 | 34 | 46 |
| Depreciation | 2 | 2 | 3 | 4 | 5 | 7 | 9 | 12 | 10 | 9 |
| Profit before tax | -54 | 68 | 100 | 57 | 24 | 512 | 663 | -1,133 | -63 | 92 |
| Tax % | -26% | 26% | 30% | 23% | 11% | 24% | 24% | 8% | -122% | |
| Net Profit | -39 | 51 | 70 | 44 | 22 | 387 | 505 | -1,225 | 14 | 169 |
| EPS in Rs | -5.70 | 4.81 | 5.14 | 3.25 | 1.61 | 23.97 | 31.17 | -75.54 | 0.86 | 10.44 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | -1.0% | 15.0% | – |
| Profit CAGR | -67.0% | -21.0% | – |
Shareholding Pattern
Promoters55.02%
FIIs2.99%
DIIs12.57%
Public29.19%
Promoters54.96%
FIIs3.92%
DIIs11.88%
Public29.01%
Promoters54.92%
FIIs4.89%
DIIs11.94%
Public28.03%
Promoters54.55%
FIIs4.75%
DIIs14.43%
Public26.06%
Promoters53.97%
FIIs4.77%
DIIs15.25%
Public25.78%
Promoters68.18%
FIIs5.98%
DIIs13.56%
Public12.00%
Promoters57.71%
FIIs5.97%
DIIs23.28%
Public12.65%
Promoters57.71%
FIIs1.69%
DIIs16.91%
Public23.32%
Promoters54.55%
FIIs4.75%
DIIs14.43%
Public26.06%
Promoters53.97%
FIIs4.77%
DIIs15.25%
Public25.78%
FUSION
Holdings Analysis
Key strengths & risk signals
47
Overall
40
Fundamental
55
Technical
Risks (4)
Cannot calculate PEG - insufficient growth data.
WEAK POSITION! Current price (164.0) is below both moving averages.
WEAK YEAR! Stock declined 12.5% in the last year.
NEGATIVE MOMENTUM! Price declined across timeframes - down 4.3% (1 week), 15.8% (1 month), 29.9% (3 months).
Strengths (4)
GOOD EFFICIENCY! 19.6% profit margin - above average profitability.
BULLISH TREND! 50-day average (192.8) is above 200-day average (185.1) - positive signal.
OVERSOLD! RSI at 28.7 - potential bounce opportunity.
BULLISH SENTIMENT! In last 30 days: 13 up days, 17 down days. Avg volume on up days: 560,057 vs down days: 499,422. Ratio: 1.12x
Fundamental & Technical Analysis
47Overall
40Fundamental
55Technical
Fundamental Breakdown
Growth Quality
4/30
Revenue CAGR: -1.6% (DECLINING, 2/15). Profit CAGR: -67.0% (DECLINING, 2/15).
Profit Margin
6/10
GOOD EFFICIENCY! 19.6% profit margin - above average profitability.
PEG Valuation
1/10
Cannot calculate PEG - insufficient growth data.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0% yield - little to no income.
Debt to Equity
2/10
VERY HIGH DEBT! D/E of 3.90 - significant risk.
Public Holding
20/20
VERY LESS PUBLIC HOLDING! 9.62% public ownership - strong promoter/institutional control.
Stability Index
4/10
CAREFUL! Company does not have stable profit track. 2 loss-making quarters detected.
Technical Breakdown
Moving Averages
10/10
BULLISH TREND! 50-day average (192.8) is above 200-day average (185.1) - positive signal.
Price Position
2/10
WEAK POSITION! Current price (164.0) is below both moving averages.
Trend Pattern
10/20
TESTING SUPPORT! Stock is at key support level.
52W Performance
2/10
WEAK YEAR! Stock declined 12.5% in the last year.
Volume Sentiment
20/30
BULLISH SENTIMENT! In last 30 days: 13 up days, 17 down days. Avg volume on up days: 560,057 vs down days: 499,422. Ratio: 1.12x
RSI
5/5
OVERSOLD! RSI at 28.7 - potential bounce opportunity.
52W Range
2/5
LOWER HALF! Trading at 25.8% of 52W range - weakness visible.
Momentum
1/5
NEGATIVE MOMENTUM! Price declined across timeframes - down 4.3% (1 week), 15.8% (1 month), 29.9% (3 months).
Beta
3/5
MARKET ALIGNED! Beta of 1.00 - moves with the market.
FUSION
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q3FY262026-02-13 | Concall PDF | |
| Q2FY262025-11-12 | Concall PDF |
Peer Comparison
Financial Services · Credit Services · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| FUSION | ₹164.00 | 16 | 19.6% | -1.6% | -67.0% | -12.5% | 47 | APPROACHING SUPPORT | -167.7% | -45.4% | -5.1% | +7.7% |
| MUFIN | ₹130.40 | 63 | 41.1% | 82.6% | 51.6% | +51.9% | 82 | APPROACHING SUPPORT | +300.0% | +26.1% | +57.4% | +19.5% |
| SATIN | ₹223.90 | 6 | 25.3% | 23.5% | 310.2% | +52.1% | 71 | CONSOLIDATING DOWN | +172.1% | -24.3% | +16.5% | +13.0% |
| MUTHOOTMF | ₹168.50 | 11.6 | 21.0% | 19.5% | 1.3% | +2.9% | 52 | BREAKDOWN | +1,211.3% | +14.3% | +14.3% | +0.2% |
| INDOSTAR | ₹188.90 | – | – | 6.4% | -14.6% | -17.5% | 47 | BREAKDOWN | -97.9% | -102.7% | +6.0% | +3.5% |
| SPANDANA | ₹211.10 | – | -116.2% | -10.3% | – | -14.5% | 37 | BREAKDOWN | -103.3% | +124.5% | -1.2% | +20.9% |
| ARMANFIN | ₹1,694.20 | 15.4 | 30.8% | 14.7% | -15.5% | +11.2% | 51 | BREAKDOWN | -409.6% | +10.2% | +31.7% | +15.8% |
| PFS | ₹26.60 | 7.7 | 63.4% | -15.8% | 22.0% | -24.6% | 58 | HIT RESISTANCE | -70.6% | -11.6% | -33.9% | -19.4% |
Data from TradeAlone · Updated daily
