Fusion Micro Finance Ltd: Intrinsic Value & Share Price Analysis

Share Price and Basic Stock Data

Last Updated: April 25, 2025, 8:36 pm

Market Cap	2,734 Cr.
Current Price	169
High / Low	525/124
Stock P/E
Book Value	156
Dividend Yield	0.00 %
ROCE	14.1 %
ROE	19.6 %
Face Value	10.0
PEG Ratio	0.00

Stock P/E, Current Price, and Intrinsic Value Over Time

Stock P/E Current Price Intrinsic Value

View Share Price Target for Fusion Micro Finance Ltd

Competitors of Fusion Micro Finance Ltd

Stock Name ⇩	Market Cap ⇩	Current Price ⇩	High / Low ⇩	Stock P/E ⇩	Book Value ⇩	Dividend Yield ⇩	ROCE ⇩	ROE ⇩	Face Value ⇩
Gujarat Metallic Coal & Coke Ltd	5.94 Cr.	30.0	/		77.6	0.00 %	0.37 %	2.00 %	100
Gensol Engineering Ltd	339 Cr.	90.2	1,126/90.2	3.93	155	0.00 %	14.3 %	20.1 %	10.0
Gagan Polycot India Ltd	0.86 Cr.	0.86	/		4.08	0.00 %	81.2 %	81.2 %	10.0
Fusion Micro Finance Ltd	2,734 Cr.	169	525/124		156	0.00 %	14.1 %	19.6 %	10.0
Five X Tradecom Ltd	0.99 Cr.	0.48	/		9.35	0.00 %	0.00 %	0.00 %	10.0
Industry Average	6,632.64 Cr	214.28		260.37	89.15	0.29%	21.56%	71.96%	9.24

All Competitor Stocks of Fusion Micro Finance Ltd

Quarterly Result

Metric	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024
Revenue	282	350	343	440	459	501	531	547	593	646	688	692	474
Interest	118	137	143	157	168	174	183	191	201	215	223	227	214
Expenses	177	219	116	167	163	192	208	213	243	286	532	884	773
Financing Profit	-13	-5	84	115	128	134	140	143	149	145	-67	-420	-513
Financing Margin %	-5%	-1%	24%	26%	28%	27%	26%	26%	25%	22%	-10%	-61%	-108%
Other Income	15	22	18	13	8	20	22	25	20	29	18	12	9
Depreciation	1	2	1	2	2	2	2	2	2	3	2	3	3
Profit before tax	0	16	100	126	134	152	159	166	166	172	-51	-410	-508
Tax %	-1,760%	16%	25%	25%	23%	25%	24%	24%	24%	23%	-30%	-26%	42%
Net Profit	1	13	75	95	102	115	120	126	126	133	-36	-305	-719
EPS in Rs	0.11	1.57	8.91	11.27	10.18	11.38	11.97	12.49	12.57	13.19	-3.54	-30.31	-71.48
Gross NPA %				3.83%	3.69%	3.46%	3.20%	2.68%	3.04%	2.89%	5.46%	9.41%	12.58%
Net NPA %				1.12%		0.87%	0.78%	0.65%	0.77%	0.77%	1.25%	2.41%	1.71%

Last Updated: February 28, 2025, 11:51 am

Below is a detailed analysis of the quarterly data for Fusion Micro Finance Ltd based on the most recent figures (Dec 2024) and their trends compared to the previous period:

For Interest, as of Dec 2024, the value is 214.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 227.00 Cr. (Sep 2024) to 214.00 Cr., marking a decrease of 13.00 Cr..
For Expenses, as of Dec 2024, the value is 773.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 884.00 Cr. (Sep 2024) to 773.00 Cr., marking a decrease of 111.00 Cr..
For Other Income, as of Dec 2024, the value is 9.00 Cr.. The value appears to be declining and may need further review. It has decreased from 12.00 Cr. (Sep 2024) to 9.00 Cr., marking a decrease of 3.00 Cr..
For Depreciation, as of Dec 2024, the value is 3.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2024) which recorded 3.00 Cr..
For Profit before tax, as of Dec 2024, the value is -508.00 Cr.. The value appears to be declining and may need further review. It has decreased from -410.00 Cr. (Sep 2024) to -508.00 Cr., marking a decrease of 98.00 Cr..
For Tax %, as of Dec 2024, the value is 42.00%. The value appears to be increasing, which may not be favorable. It has increased from -26.00% (Sep 2024) to 42.00%, marking an increase of 68.00%.
For Net Profit, as of Dec 2024, the value is -719.00 Cr.. The value appears to be declining and may need further review. It has decreased from -305.00 Cr. (Sep 2024) to -719.00 Cr., marking a decrease of 414.00 Cr..
For EPS in Rs, as of Dec 2024, the value is -71.48. The value appears to be declining and may need further review. It has decreased from -30.31 (Sep 2024) to -71.48, marking a decrease of 41.17.

Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: March 6, 2025, 1:05 pm

Metric	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	TTM
Revenue	266	494	720	856	1,151	1,742	2,317	2,500
Interest	137	254	338	375	496	643	791	879
Expenses	182	172	290	437	676	638	949	2,474
Financing Profit	-53	68	93	43	-20	461	577	-854
Financing Margin %	-20%	14%	13%	5%	-2%	26%	25%	-34%
Other Income	1	3	10	17	50	58	96	68
Depreciation	2	2	3	4	5	7	9	11
Profit before tax	-54	68	100	57	24	512	663	-797
Tax %	-26%	26%	30%	23%	11%	24%	24%
Net Profit	-39	51	70	44	22	387	505	-927
EPS in Rs	-9.15	7.71	8.25	5.21	2.58	38.47	50.21	-92.14
Dividend Payout %	0%	0%	0%	0%	0%	0%	0%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year	2018-2019	2019-2020	2020-2021	2021-2022	2022-2023	2023-2024
YoY Net Profit Growth (%)	230.77%	37.25%	-37.14%	-50.00%	1659.09%	30.49%
Change in YoY Net Profit Growth (%)	0.00%	-193.51%	-74.40%	-12.86%	1709.09%	-1628.60%

Fusion Micro Finance Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 6 years from 2018-2019 to 2023-2024.

Growth

Compounded Sales Growth
10 Years:	%
5 Years:	36%
3 Years:	39%
TTM:	15%

Compounded Profit Growth
10 Years:	%
5 Years:	58%
3 Years:	126%
TTM:	-290%

Stock Price CAGR
10 Years:	%
5 Years:	%
3 Years:	%
1 Year:	-66%

Return on Equity
10 Years:	%
5 Years:	13%
3 Years:	16%
Last Year:	20%

Last Updated: Unknown

Balance Sheet

Last Updated: April 13, 2025, 1:44 pm

Month	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Sep 2024
Equity Capital	41	62	79	79	83	100	101	101
Reserves	214	564	1,120	1,167	1,255	2,222	2,748	2,422
Borrowing	1,608	2,929	2,974	4,432	5,776	6,778	8,616	8,641
Other Liabilities	106	56	67	159	177	263	310	317
Total Liabilities	1,968	3,611	4,240	5,838	7,290	9,364	11,774	11,481
Fixed Assets	5	6	6	18	19	21	31	31
CWIP	0	0	0	0	0	0	2	0
Investments	0	0	0	0	0	0	2	2
Other Assets	1,963	3,604	4,233	5,820	7,271	9,342	11,739	11,447
Total Assets	1,968	3,611	4,240	5,838	7,290	9,364	11,774	11,481

Below is a detailed analysis of the balance sheet data for Fusion Micro Finance Ltd based on the most recent figures (Sep 2024) and their trends compared to the previous period:

For Equity Capital, as of Sep 2024, the value is ₹101.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 101.00 Cr..
For Reserves, as of Sep 2024, the value is ₹2,422.00 Cr.. The value appears to be declining and may need further review. It has decreased from 2,748.00 Cr. (Mar 2024) to ₹2,422.00 Cr., marking a decrease of 326.00 Cr..
For Other Liabilities, as of Sep 2024, the value is ₹317.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 310.00 Cr. (Mar 2024) to ₹317.00 Cr., marking an increase of 7.00 Cr..
For Total Liabilities, as of Sep 2024, the value is ₹11,481.00 Cr.. The value appears to be improving (decreasing). It has decreased from 11,774.00 Cr. (Mar 2024) to ₹11,481.00 Cr., marking a decrease of 293.00 Cr..
For Fixed Assets, as of Sep 2024, the value is ₹31.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 31.00 Cr..
For CWIP, as of Sep 2024, the value is ₹0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 2.00 Cr. (Mar 2024) to ₹0.00 Cr., marking a decrease of 2.00 Cr..
For Investments, as of Sep 2024, the value is ₹2.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 2.00 Cr..
For Other Assets, as of Sep 2024, the value is ₹11,447.00 Cr.. The value appears to be declining and may need further review. It has decreased from 11,739.00 Cr. (Mar 2024) to ₹11,447.00 Cr., marking a decrease of 292.00 Cr..
For Total Assets, as of Sep 2024, the value is ₹11,481.00 Cr.. The value appears to be declining and may need further review. It has decreased from 11,774.00 Cr. (Mar 2024) to ₹11,481.00 Cr., marking a decrease of 293.00 Cr..

Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.

Reserves and Borrowings Chart

Cash Flow

Month	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Cash from Operating Activity +	-597	-1,418	-749	-793	-1,641	-1,663	-1,350
Cash from Investing Activity +	184	15	20	10	18	18	31
Cash from Financing Activity +	741	1,631	545	1,459	1,418	1,584	1,843
Net Cash Flow	329	229	-184	676	-204	-61	524

Free Cash Flow

Month	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Free Cash Flow	181.00	170.00	288.00	433.00	671.00	632.00	941.00

Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)

Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.

Free Cash Flow Chart

Financial Efficiency Indicators

Month	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
ROE %		12%	8%	4%	2%	21%	20%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024
Promoters	68.18%	68.18%	68.18%	67.92%	57.70%	57.71%	57.71%	57.71%	57.71%
FIIs	5.32%	5.98%	5.43%	5.15%	6.74%	5.97%	3.95%	2.82%	0.56%
DIIs	12.77%	13.56%	16.51%	15.37%	22.81%	23.28%	22.79%	19.19%	18.13%
Public	13.39%	12.00%	9.62%	11.02%	12.26%	12.65%	15.17%	19.90%	23.24%
Others	0.34%	0.28%	0.25%	0.54%	0.48%	0.40%	0.37%	0.37%	0.37%
No. of Shareholders	45,131	35,522	42,478	59,394	56,824	56,759	61,087	77,706	80,999

Shareholding Pattern Chart

No. of Shareholders

Mutual Fund Holdings

Fund Name	No of Shares	AUM (%)	Amount Invested (Cr)	Previous Number of Shares	Previous Date	Percentage Change
Nippon India Small Cap Fund	4,878,249	0.39	218.91	4,878,249	2025-04-22 17:25:11	0%
HDFC Multi Cap Fund	1,746,933	0.5	78.39	1,746,933	2025-04-22 17:25:11	0%
Aditya Birla Sun Life Small Cap Fund	1,212,922	1.05	54.43	1,212,922	2025-04-22 17:25:11	0%
Mirae Asset Banking and Financial Services Fund	1,066,465	2.63	47.86	1,066,465	2025-04-22 17:25:11	0%
HDFC Banking and Financial Services Fund	1,064,933	1.32	47.79	1,064,933	2025-04-22 17:25:11	0%
ICICI Prudential Banking and Financial Services	939,526	0.55	42.16	939,526	2025-04-22 17:25:11	0%
Franklin India Smaller Companies Fund	900,000	0.29	40.39	900,000	2025-04-22 02:06:42	0%
Mirae Asset Aggressive Hybrid Fund	886,187	0.44	39.77	886,187	2025-04-22 17:25:11	0%
Mirae Asset ELSS Tax Saver Fund	794,737	0.15	35.66	794,737	2025-04-22 17:25:11	0%
Aditya Birla Sun Life Banking And Financial Services Fund	744,160	1.02	33.39	744,160	2025-04-22 17:25:11	0%

ROCE Trend

EPS Trend

Key Financial Ratios

Month	Mar 24	Mar 23	Mar 22	Mar 21	Mar 20
FaceValue	10.00	10.00	10.00	10.00	10.00
Basic EPS (Rs.)	50.30	43.29	2.67	5.56	10.47
Diluted EPS (Rs.)	50.11	43.13	2.64	5.49	10.47
Cash EPS (Rs.)	51.11	39.32	3.28	6.05	9.14
Book Value[Excl.RevalReserv]/Share (Rs.)	283.06	231.39	161.67	157.69	151.85
Book Value[Incl.RevalReserv]/Share (Rs.)	283.06	231.39	161.67	157.69	151.85
Revenue From Operations / Share (Rs.)	230.25	173.59	139.11	108.28	91.23
PBDIT / Share (Rs.)	145.41	115.82	63.53	55.14	55.76
PBIT / Share (Rs.)	144.51	115.08	62.88	54.64	55.44
PBT / Share (Rs.)	65.92	51.02	2.95	7.18	12.66
Net Profit / Share (Rs.)	50.22	38.58	2.63	5.56	8.82
PBDIT Margin (%)	63.15	66.71	45.66	50.92	61.12
PBIT Margin (%)	62.76	66.29	45.20	50.46	60.76
PBT Margin (%)	28.62	29.39	2.12	6.63	13.88
Net Profit Margin (%)	21.81	22.22	1.88	5.13	9.66
Return on Networth / Equity (%)	17.74	16.67	1.62	3.52	5.80
Return on Capital Employeed (%)	49.89	49.22	22.60	34.06	36.14
Return On Assets (%)	4.29	4.13	0.29	0.75	1.64
Long Term Debt / Equity (X)	0.00	0.00	0.70	0.00	0.00
Total Debt / Equity (X)	3.01	2.92	4.32	3.56	2.48
Asset Turnover Ratio (%)	0.21	0.20	0.17	0.16	0.18
Current Ratio (X)	1.31	1.31	1.43	1.25	1.38
Quick Ratio (X)	1.31	1.31	1.43	1.25	1.38
Interest Coverage Ratio (X)	1.85	1.81	1.06	1.16	1.30
Interest Coverage Ratio (Post Tax) (X)	1.64	1.60	1.04	1.12	1.21
Enterprise Value (Cr.)	11666.52	9712.66	0.00	0.00	0.00
EV / Net Operating Revenue (X)	5.04	5.58	0.00	0.00	0.00
EV / EBITDA (X)	7.97	8.36	0.00	0.00	0.00
MarketCap / Net Operating Revenue (X)	2.01	2.30	0.00	0.00	0.00
Price / BV (X)	1.64	1.72	0.00	0.00	0.00
Price / Net Operating Revenue (X)	2.01	2.30	0.00	0.00	0.00
EarningsYield	0.10	0.09	0.00	0.00	0.00

After reviewing the key financial ratios for Fusion Micro Finance Ltd, here is a detailed analysis based on the latest available data and recent trends:

For FaceValue, as of Mar 24, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 23) which recorded 10.00.
For Basic EPS (Rs.), as of Mar 24, the value is 50.30. This value is within the healthy range. It has increased from 43.29 (Mar 23) to 50.30, marking an increase of 7.01.
For Diluted EPS (Rs.), as of Mar 24, the value is 50.11. This value is within the healthy range. It has increased from 43.13 (Mar 23) to 50.11, marking an increase of 6.98.
For Cash EPS (Rs.), as of Mar 24, the value is 51.11. This value is within the healthy range. It has increased from 39.32 (Mar 23) to 51.11, marking an increase of 11.79.
For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 283.06. It has increased from 231.39 (Mar 23) to 283.06, marking an increase of 51.67.
For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 283.06. It has increased from 231.39 (Mar 23) to 283.06, marking an increase of 51.67.
For Revenue From Operations / Share (Rs.), as of Mar 24, the value is 230.25. It has increased from 173.59 (Mar 23) to 230.25, marking an increase of 56.66.
For PBDIT / Share (Rs.), as of Mar 24, the value is 145.41. This value is within the healthy range. It has increased from 115.82 (Mar 23) to 145.41, marking an increase of 29.59.
For PBIT / Share (Rs.), as of Mar 24, the value is 144.51. This value is within the healthy range. It has increased from 115.08 (Mar 23) to 144.51, marking an increase of 29.43.
For PBT / Share (Rs.), as of Mar 24, the value is 65.92. This value is within the healthy range. It has increased from 51.02 (Mar 23) to 65.92, marking an increase of 14.90.
For Net Profit / Share (Rs.), as of Mar 24, the value is 50.22. This value is within the healthy range. It has increased from 38.58 (Mar 23) to 50.22, marking an increase of 11.64.
For PBDIT Margin (%), as of Mar 24, the value is 63.15. This value is within the healthy range. It has decreased from 66.71 (Mar 23) to 63.15, marking a decrease of 3.56.
For PBIT Margin (%), as of Mar 24, the value is 62.76. This value exceeds the healthy maximum of 20. It has decreased from 66.29 (Mar 23) to 62.76, marking a decrease of 3.53.
For PBT Margin (%), as of Mar 24, the value is 28.62. This value is within the healthy range. It has decreased from 29.39 (Mar 23) to 28.62, marking a decrease of 0.77.
For Net Profit Margin (%), as of Mar 24, the value is 21.81. This value exceeds the healthy maximum of 10. It has decreased from 22.22 (Mar 23) to 21.81, marking a decrease of 0.41.
For Return on Networth / Equity (%), as of Mar 24, the value is 17.74. This value is within the healthy range. It has increased from 16.67 (Mar 23) to 17.74, marking an increase of 1.07.
For Return on Capital Employeed (%), as of Mar 24, the value is 49.89. This value is within the healthy range. It has increased from 49.22 (Mar 23) to 49.89, marking an increase of 0.67.
For Return On Assets (%), as of Mar 24, the value is 4.29. This value is below the healthy minimum of 5. It has increased from 4.13 (Mar 23) to 4.29, marking an increase of 0.16.
For Long Term Debt / Equity (X), as of Mar 24, the value is 0.00. This value is below the healthy minimum of 0.2. There is no change compared to the previous period (Mar 23) which recorded 0.00.
For Total Debt / Equity (X), as of Mar 24, the value is 3.01. This value exceeds the healthy maximum of 1. It has increased from 2.92 (Mar 23) to 3.01, marking an increase of 0.09.
For Asset Turnover Ratio (%), as of Mar 24, the value is 0.21. It has increased from 0.20 (Mar 23) to 0.21, marking an increase of 0.01.
For Current Ratio (X), as of Mar 24, the value is 1.31. This value is below the healthy minimum of 1.5. There is no change compared to the previous period (Mar 23) which recorded 1.31.
For Quick Ratio (X), as of Mar 24, the value is 1.31. This value is within the healthy range. There is no change compared to the previous period (Mar 23) which recorded 1.31.
For Interest Coverage Ratio (X), as of Mar 24, the value is 1.85. This value is below the healthy minimum of 3. It has increased from 1.81 (Mar 23) to 1.85, marking an increase of 0.04.
For Interest Coverage Ratio (Post Tax) (X), as of Mar 24, the value is 1.64. This value is below the healthy minimum of 3. It has increased from 1.60 (Mar 23) to 1.64, marking an increase of 0.04.
For Enterprise Value (Cr.), as of Mar 24, the value is 11,666.52. It has increased from 9,712.66 (Mar 23) to 11,666.52, marking an increase of 1,953.86.
For EV / Net Operating Revenue (X), as of Mar 24, the value is 5.04. This value exceeds the healthy maximum of 3. It has decreased from 5.58 (Mar 23) to 5.04, marking a decrease of 0.54.
For EV / EBITDA (X), as of Mar 24, the value is 7.97. This value is within the healthy range. It has decreased from 8.36 (Mar 23) to 7.97, marking a decrease of 0.39.
For MarketCap / Net Operating Revenue (X), as of Mar 24, the value is 2.01. This value is within the healthy range. It has decreased from 2.30 (Mar 23) to 2.01, marking a decrease of 0.29.
For Price / BV (X), as of Mar 24, the value is 1.64. This value is within the healthy range. It has decreased from 1.72 (Mar 23) to 1.64, marking a decrease of 0.08.
For Price / Net Operating Revenue (X), as of Mar 24, the value is 2.01. This value is within the healthy range. It has decreased from 2.30 (Mar 23) to 2.01, marking a decrease of 0.29.
For EarningsYield, as of Mar 24, the value is 0.10. This value is below the healthy minimum of 5. It has increased from 0.09 (Mar 23) to 0.10, marking an increase of 0.01.

Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value of Fusion Micro Finance Ltd as of April 25, 2025 is: 374.25

Calculation basis:

Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.

As of April 25, 2025, Fusion Micro Finance Ltd is Undervalued by 121.45% compared to the current share price 169.00

Default values used*: Default value of 15 for Stock P/E is used

Intrinsic Value of Fusion Micro Finance Ltd as of April 25, 2025 is: 149.49

Calculation basis:

Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.

This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.

As of April 25, 2025, Fusion Micro Finance Ltd is Overvalued by 11.54% compared to the current share price 169.00

Default values used*: Default value of 15 for Stock P/E is used

Last 5 Year EPS CAGR: -60.06%

*Investments are subject to market risks

Strength and Weakness

Unable to fetch valid data for stock valuation.

Stock Analysis

Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Fusion Micro Finance Ltd:
1. Net Profit Margin: 21.81%
  - Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
2. ROCE: 49.89% (Industry Average ROCE: 21.56%)
  - ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
3. ROE%: 17.74% (Industry Average ROE: 71.96%)
  - ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
4. Interest Coverage Ratio (Post Tax): 1.64
  - Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
5. Quick Ratio: 1.31
  - Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
6. Stock P/E: 0 (Industry average Stock P/E: 260.37)
  - Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
7. Total Debt / Equity: 3.01
  - Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions.
Stock Rating:

About the Company - Qualitative Analysis

No data availabale for About the Company

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Management Data not Available

FAQ

What is the intrinsic value of Fusion Micro Finance Ltd?

Fusion Micro Finance Ltd's intrinsic value (as of 25 April 2025) is ₹374.25 — 121.45% higher the current market price of 169.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 2,734 Cr. market cap, FY2025-2026 high/low of ₹525/124, reserves of 2,422 Cr, and liabilities of 11,481 Cr.

What is the Market Cap of Fusion Micro Finance Ltd?

The Market Cap of Fusion Micro Finance Ltd is 2,734 Cr..

What is the current Stock Price of Fusion Micro Finance Ltd as on 25 April 2025?

The current stock price of Fusion Micro Finance Ltd as on 25 April 2025 is 169.

What is the High / Low of Fusion Micro Finance Ltd stocks in FY 2025-2026?

In FY 2025-2026, the High / Low of Fusion Micro Finance Ltd stocks is ₹525/124.

What is the Stock P/E of Fusion Micro Finance Ltd?

The Stock P/E of Fusion Micro Finance Ltd is .

What is the Book Value of Fusion Micro Finance Ltd?

The Book Value of Fusion Micro Finance Ltd is 156.

What is the Dividend Yield of Fusion Micro Finance Ltd?

The Dividend Yield of Fusion Micro Finance Ltd is 0.00 %.

What is the ROCE of Fusion Micro Finance Ltd?

The ROCE of Fusion Micro Finance Ltd is 14.1 %.

What is the ROE of Fusion Micro Finance Ltd?

The ROE of Fusion Micro Finance Ltd is 19.6 %.

What is the Face Value of Fusion Micro Finance Ltd?

The Face Value of Fusion Micro Finance Ltd is 10.0.