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Fusion Finance Ltd

FUSION

Fusion Finance Ltd

FUSION
FinancialsConsumer Finance
SmallcapWith a market cap of ₹1,820 cr, stock is ranked 1,187
High RiskStock is 3.21x as volatile as Nifty
182.002.35% (+4.18)
182.002.35% (+4.18)

Price Chart

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1D
1W
1M
1Y
5Y
Max
SIP
FinancialsConsumer Finance
SmallcapWith a market cap of ₹1,820 cr, stock is ranked 1,187
High RiskStock is 3.21x as volatile as Nifty
Scorecard

Performance

Low

Hasn't fared well - amongst the low performers

Valuation

High

Seems to be overvalued vs the market average

Growth

Avg

Financials growth has been moderate for a few years

Profitability

Avg

Average profitability - not good, not bad

Entry point

Good

The stock is underpriced and is not in the overbought zone

Red flags

Low

No red flag found

How to use scorecard? Learn more

FinancialsConsumer Finance
SmallcapWith a market cap of ₹1,820 cr, stock is ranked 1,187
High RiskStock is 3.21x as volatile as Nifty

Key Metrics

No LabelNo LabelPB RatioPB RatioDividend YieldDiv. Yield
-22.330.64—
Sector PESector PESector PBSector PBSector Div YldSctr Div Yld
17.902.480.97%

Forecast & Ratings

Detailed Forecast 
14%
Analysts have suggested that investors can buy this stock

from 7 analysts

Price

Price Upside

Earnings

Earnings Growth

Revenue

Rev. Growth

See Detailed Forecast

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 older 

Nov 16, 2024

PDF
View Older Presentations

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Forecasts

Price

Revenue

Earnings

Income

Balance Sheet

Cash Flow

Income Statement

Industry refers to the sub-sector this company belongs to.

Higher than Industry Revenue Growth

A higher-than-industry revenue growth represents increased potential for the company to increase their market share

Over the last 5 years, revenue has grown at a yearly rate of 37.15%, vs industry avg of 15.21%

Increasing Market Share

Market share is the percentage of an industry's total sales going to a particular company. It gives a general idea of the size of a company v/s its competitors

Over the last 5 years, market share increased from 0.4% to 1.03%

Higher than Industry Net Income

Net income is equal to net earnings (profit) less expenses. This number is an important measure of how profitable the company is

Over the last 5 years, net income has grown at a yearly rate of 58.4%, vs industry avg of 20.97%

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Financial YearFY 2016FY 2017FY 2018FY 2019FY 2020FY 2021FY 2022FY 2023FY 2024TTM
Total Revenue110.35201.04267.31497.05730.31873.091,201.351,799.972,412.422,698.77
Raw Materialssubtract—————————2,811.12
Power & Fuel Costsubtract—————————
Employee Costsubtract25.8148.3266.10103.33148.33168.64233.07325.52431.22
Selling & Administrative Expensessubtract—————————
Operating & Other expensessubtract61.21146.31252.78322.93479.40643.76938.48955.061,308.93
Depreciation/Amortizationsubtract1.041.602.042.392.583.895.377.419.0110.37
Interest & Other Itemssubtract——————————
Taxes & Other Itemssubtract8.870.72-14.1917.7330.3912.852.67124.83157.97-41.20
EPS8.241.59-10.349.539.485.322.6141.8650.11-8.07
DPS0.000.000.000.000.000.000.000.000.000.00
Payout ratio0.000.000.000.000.000.000.000.000.000.00

Company Updates

Annual Report and Investor Presentation updates mentioned here are as reported by the company to the exchange
FY 2023

Annual report

PDF

Investor Presentation

May 22PDF
Feb 11PDF
FY 2024

Annual report

PDF

Investor Presentation

Aug 2PDF
FY 2025

Annual Report Pending

Investor Presentation

Nov 16PDF
 

Peers & Comparison

Comparing 3 stocks from 
FinancialsConsumer Finance

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StockPE RatioPE RatioPB RatioPB RatioDiv. YieldDividend Yield
Fusion Finance Ltd3.600.64—
Bajaj Finance Ltd28.155.300.55%
Jio Financial Services Ltd130.011.50—
Shriram Finance Ltd15.412.291.49%

Price Comparison

Compare FUSION with any stock or ETF
Compare FUSION with any stock or ETF
FUSION
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Shareholdings

Promoter Holdings Trend

Total Promoter Holding

Increasing promoter holding is considered good and reflects management’s positive view about the future outlook

In last 6 months, promoter holding in the company has almost stayed constant

Low Pledged Promoter Holding

Lower pledged promoter holdings is considered better

Pledged promoter holdings is insignificant

Institutional Holdings Trend

Increased Total Retail Holding

Increasing retail holding can be considered bad as it can reflect that institutions and promoters are selling their stake which is being absorbed by retail investors.

In last 3 months, retail holding in the company has increased by 4.38%

Decreased Foreign Institutional Holding

Foreign Institutional Holding is quantum of stock held by foreign large-quantities-trading entities. Increasing value indicates growing support and comfort for the stock

In last 3 months, foreign institutional holding of the company has decreased by 1.13%

Tickertape Separator

Shareholding Pattern

Retail and OthersForeign InstitutionsOther Domestic InstitutionsMutual FundsTotal Promoter Holding57.71%12.86%6.33%2.83%20.27%

Dec 2023

Mar 2024

Jun 2024

Sep 2024

Shareholding History

JunSepDec '23MarJunSep5.44%5.15%6.74%5.97%3.96%2.83%

Mutual Funds Holding Trend

Decreased Mutual Fund Holding

Increasing Mutual Fund holdings are generally considered good, as it reflects that fund managers are becoming more bullish about the stock

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)Market-cap heldWeight3M holding changePortfolio rank
(3M change)
Nippon India Small Cap Fund - Growth - Direct Plan

Growth
5.8390%0.17%-0.17%189/232 (-54)
HDFC Multi Cap Fund - Growth - Direct Plan

Growth
2.0910%0.23%-0.22%139/218 (-61)
ICICI Prudential Banking & Financial Services Fund - Growth - Direct Plan

Growth
1.6213%0.33%-0.32%32/52 (-6)

Compare 3-month MF holding change on Screener

Insider Trades & Bulk Deals

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smallcases

Looks like this stock is not in any smallcase yet.

Events

Dividend Trend

No Dividends

Dividends are the portion of earnings that a company distributes to all its shareholders every year

FUSION has not given any dividends in last 5 years

Dividends

Corp. Actions

Announcements

Legal Orders

Dividends

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News & Opinions
Corporate
Fusion Finance to conduct board meeting

Fusion Finance will hold a meeting of the Board of Directors of the Company on 4 December 2024Powered by Capital Market - Live

1 day agoCapital Market - Live
Spotlight
Fusion Finance posts loss of Rs 305 crore in Q2 FY25; impairment charge at Rs 694 crore

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

2 weeks agoCapital Market - Live
Earnings
Fusion Finance reports standalone net loss of Rs 305.04 crore in the September 2024 quarter

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

2 weeks agoCapital Market - Live
Corporate
Fusion Finance revises board meeting date

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

2 weeks agoCapital Market - Live
Corporate
Fusion Finance announces board meeting date

Fusion Finance will hold a meeting of the Board of Directors of the Company on 14 November 2024Powered by Capital Market - Live

3 weeks agoCapital Market - Live
Corporate
Fusion Finance to hold board meeting

Fusion Finance will hold a meeting of the Board of Directors of the Company on 11 November 2024Powered by Capital Market - Live

3 weeks agoCapital Market - Live
Corporate
Fusion Finance to hold EGM

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

1 month agoCapital Market - Live
Corporate
Board of Fusion Micro Finance appoints director

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

1 month agoCapital Market - Live
Corporate
Board of Fusion Micro Finance approves rights issue of Rs 550 cr

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

1 month agoCapital Market - Live
Corporate
Fusion Micro Finance announces board meeting date

Fusion Micro Finance will hold a meeting of the Board of Directors of the Company on 5 October 2024.Powered by Capital Market - Live

2 months agoCapital Market - Live