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
₹176.80
-4.15% 1W | -4.40% 52W
Market Cap
2.9k CR
P/E Ratio
14.4
52W High
₹243
52W Low
₹136.5
Div. Yield
0%
Beta
1
50 DMA
₹203.2
200 DMA
₹184.3
Profit Margin
19.6%
Inst. Own.
16.4%
⚠️ BREAKDOWN
⚠️ BREAKDOWN
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
51
Overall
40
Fundamental
62
Technical
Risks (4)
Cannot calculate PEG - insufficient growth data.
WEAK POSITION! Current price (176.8) is below both moving averages.
NEGATIVE MOMENTUM! Price declined across timeframes - down 4.2% (1 week), 11.6% (1 month), 8.3% (3 months).
WEAK YEAR! Stock declined 4.4% in the last year.
Strengths (4)
GOOD EFFICIENCY! 19.6% profit margin - above average profitability.
BULLISH TREND! 50-day average (203.2) is above 200-day average (184.3) - positive signal.
BULLISH SENTIMENT! In last 30 days: 14 up days, 16 down days. Avg volume on up days: 840,272 vs down days: 615,080. Ratio: 1.37x
APPROACHING OVERSOLD! RSI at 31.5 - watch for reversal.
Fundamental & Technical Analysis
51Overall
40Fundamental
62Technical
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
12/10
BULLISH TREND! 50-day average (203.2) is above 200-day average (184.3) - positive signal.
Price Position
2/10
WEAK POSITION! Current price (176.8) is below both moving averages.
Trend Pattern
10/20
BREAKDOWN! Stock has broken below support levels - weakness present.
52W Performance
3/10
WEAK YEAR! Stock declined 4.4% in the last year.
Volume Sentiment
25/30
BULLISH SENTIMENT! In last 30 days: 14 up days, 16 down days. Avg volume on up days: 840,272 vs down days: 615,080. Ratio: 1.37x
RSI
4/5
APPROACHING OVERSOLD! RSI at 31.5 - watch for reversal.
52W Range
2/5
LOWER HALF! Trading at 37.8% of 52W range - weakness visible.
Momentum
1/5
NEGATIVE MOMENTUM! Price declined across timeframes - down 4.2% (1 week), 11.6% (1 month), 8.3% (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 | ₹176.80 | 14.4 | 19.6% | -1.6% | -67.0% | -4.4% | 51 | BREAKDOWN | -167.7% | -45.4% | -5.1% | +7.7% |
| MUTHOOTMF | ₹183.40 | 12.5 | 21.0% | 19.5% | 1.3% | +14.6% | 53 | BREAKDOWN | +1,211.3% | +14.3% | +14.3% | +0.2% |
| MUFIN | ₹131.80 | 61 | 41.1% | 82.6% | 51.6% | +50.1% | 80 | BREAKDOWN | +300.0% | +26.1% | +57.4% | +19.5% |
| SATIN | ₹226.20 | 6.1 | 25.3% | 23.5% | 310.2% | +55.2% | 71 | BREAKOUT | +172.1% | -24.3% | +16.5% | +13.0% |
| INDOSTAR | ₹217.90 | – | – | 6.4% | -14.6% | -10.7% | 48 | BREAKDOWN | -97.9% | -102.7% | +6.0% | +3.5% |
| SPANDANA | ₹225.60 | – | -116.2% | -10.3% | – | -12.1% | 48 | BOUNCE FROM SUPPORT | -103.3% | +124.5% | -1.2% | +20.9% |
| ARMANFIN | ₹1,897.50 | 17.2 | 30.8% | 14.7% | -15.5% | +29.1% | 60 | BREAKDOWN | -409.6% | +10.2% | +31.7% | +15.8% |
| PFS | ₹26.90 | 7.8 | 63.4% | -15.8% | 22.0% | -27.6% | 56 | CONSOLIDATION | -70.6% | -11.6% | -33.9% | -19.4% |
Data from TradeAlone · Updated daily
