Share Price and Basic Stock Data
Last Updated: December 16, 2025, 4:15 am
| PEG Ratio | 0.00 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Fusion Micro Finance Ltd has carved a niche in the financial services sector, focusing on microfinance solutions. As of March 2023, the company reported a revenue of ₹1,742 Cr, which reflects a commendable growth trajectory compared to ₹1,151 Cr in FY 2022. This upward trend continued into FY 2024, with revenue increasing to ₹2,317 Cr. The latest quarterly figures also support this positive narrative, with revenue rising from ₹501 Cr in March 2023 to ₹531 Cr in June 2023, and then reaching ₹547 Cr by September 2023. This consistent revenue growth indicates a strong demand for its services, particularly in underserved markets. However, the recent quarterly data suggests a potential decline in revenue for March 2025, which could raise concerns about sustainability. Overall, while the growth story is compelling, the volatility in quarterly performance may warrant close scrutiny.
Profitability and Efficiency Metrics
Profitability presents a mixed picture for Fusion Micro Finance. The company recorded a net profit of ₹387 Cr in FY 2023, which is a significant recovery from a net profit of ₹22 Cr in FY 2022. However, the outlook for FY 2025 seems concerning, as it is projected to decline to a net loss of ₹1,225 Cr. This rapid shift raises questions about the sustainability of its profit margins. The interest coverage ratio stood at 1.85, suggesting that while the company can cover its interest obligations, it is operating near a threshold that could become risky if profitability declines further. The financing profit margin fluctuated significantly, peaking at 26% in June 2023 but turning negative by June 2024, indicating potential operational challenges. Investors should be cautious, as the company’s ability to maintain profitability amid rising expenses—projected at ₹2,646 Cr for FY 2025—could be put to the test.
Balance Sheet Strength and Financial Ratios
The balance sheet of Fusion Micro Finance reflects both resilience and emerging risks. As of September 2025, the company’s total liabilities stood at ₹7,090 Cr, while total assets were reported at ₹7,090 Cr, indicating a balanced sheet without any immediate solvency issues. However, the total debt-to-equity ratio of 3.01 suggests that the company is highly leveraged, which could pose risks if profitability continues to falter. The reported reserves of ₹1,787 Cr provide a cushion, but they have seen a decline from ₹2,748 Cr in FY 2024. Additionally, the return on equity (ROE) for FY 2025 is projected to drop to -55%, indicating that shareholder value is at risk. Investors may find comfort in the company’s ability to generate returns in previous years, but the current metrics suggest caution is warranted.
Shareholding Pattern and Investor Confidence
Investor confidence in Fusion Micro Finance appears to be wavering, as evidenced by the shifting shareholding pattern. Promoters held 68.18% of the company in early 2023, but this has declined to 54.96% by September 2025. Such a drop could signal potential concerns about the company’s governance or future prospects, which may raise red flags for investors. Foreign institutional investors (FIIs) have also reduced their stake to 3.92%, down from a high of 5.98% earlier. Meanwhile, domestic institutional investors (DIIs) maintained a steady stake of around 11.88%. The number of shareholders, however, has increased to 76,683, suggesting that retail interest may still be strong. This mixed picture—declining promoter and FII stakes alongside growing retail participation—reflects a complex sentiment landscape, where retail investors may see value, but institutional players are stepping back.
Outlook, Risks, and Final Insight
Looking ahead, Fusion Micro Finance faces a dual-edged sword of opportunities and risks. On one hand, the robust growth in revenue and the expansion of its customer base are promising. On the other, the projected losses and declining profitability metrics raise significant concerns. Investors should be particularly wary of the company’s high leverage, which could amplify risks in a challenging economic environment. Additionally, the volatility in financing margins and the rapid increase in expenses could further strain financial performance. As the company navigates these challenges, potential investors may want to consider the balance between the growth potential in the microfinance sector and the inherent risks of high debt and declining profitability. Careful monitoring of upcoming quarterly results will be essential in assessing whether Fusion Micro Finance can stabilize its operations and restore investor confidence.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| 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 | 107 Cr. | 27.8 | 796/25.8 | 1.04 | 155 | 0.00 % | 14.3 % | 22.4 % | 10.0 |
| Fusion Micro Finance Ltd | 1,605 Cr. | 159 | 212/124 | 118 | 0.00 % | 2.96 % | 54.5 % | 10.0 | |
| Five X Tradecom Ltd | 0.99 Cr. | 0.48 | / | 9.35 | 0.00 % | 0.00 % | 0.00 % | 10.0 | |
| East West Holdings Ltd | 47.0 Cr. | 3.68 | 8.65/3.55 | 4.93 | 0.00 % | 6.98 % | 0.86 % | 2.00 | |
| Industry Average | 7,536.61 Cr | 220.88 | 452.52 | 219.27 | 0.25% | 11.73% | 22.92% | 9.00 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 343 | 440 | 459 | 501 | 531 | 547 | 593 | 646 | 688 | 692 | 474 | 466 | 434 |
| Interest | 143 | 157 | 168 | 174 | 183 | 191 | 201 | 215 | 223 | 227 | 214 | 179 | 149 |
| Expenses | 116 | 167 | 163 | 192 | 208 | 213 | 243 | 286 | 532 | 884 | 773 | 458 | 387 |
| Financing Profit | 84 | 115 | 128 | 134 | 140 | 143 | 149 | 145 | -67 | -420 | -513 | -171 | -101 |
| Financing Margin % | 24% | 26% | 28% | 27% | 26% | 26% | 25% | 22% | -10% | -61% | -108% | -37% | -23% |
| Other Income | 18 | 13 | 8 | 20 | 22 | 25 | 20 | 29 | 18 | 12 | 9 | 10 | 11 |
| Depreciation | 1 | 2 | 2 | 2 | 2 | 2 | 2 | 3 | 2 | 3 | 3 | 3 | 2 |
| Profit before tax | 100 | 126 | 134 | 152 | 159 | 166 | 166 | 172 | -51 | -410 | -508 | -165 | -92 |
| Tax % | 25% | 25% | 23% | 25% | 24% | 24% | 24% | 23% | -30% | -26% | 42% | 0% | 0% |
| Net Profit | 75 | 95 | 102 | 115 | 120 | 126 | 126 | 133 | -36 | -305 | -719 | -165 | -92 |
| EPS in Rs | 5.55 | 7.03 | 6.34 | 7.09 | 7.46 | 7.75 | 7.80 | 8.19 | -2.20 | -18.82 | -44.38 | -10.15 | -5.69 |
| Gross NPA % | 3.83% | 3.69% | 3.46% | 3.20% | 2.68% | 3.04% | 2.89% | 5.46% | 9.41% | 12.58% | 7.92% | ||
| Net NPA % | 1.12% | 0.87% | 0.78% | 0.65% | 0.77% | 0.77% | 1.25% | 2.41% | 1.71% | 0.30% |
Last Updated: August 19, 2025, 3:10 pm
Below is a detailed analysis of the quarterly data for Fusion Micro Finance Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Interest, as of Jun 2025, the value is 149.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 179.00 Cr. (Mar 2025) to 149.00 Cr., marking a decrease of 30.00 Cr..
- For Expenses, as of Jun 2025, the value is 387.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 458.00 Cr. (Mar 2025) to 387.00 Cr., marking a decrease of 71.00 Cr..
- For Other Income, as of Jun 2025, the value is 11.00 Cr.. The value appears strong and on an upward trend. It has increased from 10.00 Cr. (Mar 2025) to 11.00 Cr., marking an increase of 1.00 Cr..
- For Depreciation, as of Jun 2025, the value is 2.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 3.00 Cr. (Mar 2025) to 2.00 Cr., marking a decrease of 1.00 Cr..
- For Profit before tax, as of Jun 2025, the value is -92.00 Cr.. The value appears strong and on an upward trend. It has increased from -165.00 Cr. (Mar 2025) to -92.00 Cr., marking an increase of 73.00 Cr..
- For Tax %, as of Jun 2025, the value is 0.00%. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00%.
- For Net Profit, as of Jun 2025, the value is -92.00 Cr.. The value appears strong and on an upward trend. It has increased from -165.00 Cr. (Mar 2025) to -92.00 Cr., marking an increase of 73.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is -5.69. The value appears strong and on an upward trend. It has increased from -10.15 (Mar 2025) to -5.69, marking an increase of 4.46.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 3:43 am
| Metric | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 266 | 494 | 720 | 856 | 1,151 | 1,742 | 2,317 | 2,320 | 1,775 |
| Interest | 137 | 254 | 338 | 375 | 496 | 643 | 791 | 844 | 676 |
| Expenses | 182 | 172 | 290 | 437 | 676 | 638 | 949 | 2,646 | 1,936 |
| Financing Profit | -53 | 68 | 93 | 43 | -20 | 461 | 577 | -1,170 | -837 |
| Financing Margin % | -20% | 14% | 13% | 5% | -2% | 26% | 25% | -50% | -47% |
| Other Income | 1 | 3 | 10 | 17 | 50 | 58 | 96 | 49 | 62 |
| Depreciation | 2 | 2 | 3 | 4 | 5 | 7 | 9 | 12 | 11 |
| Profit before tax | -54 | 68 | 100 | 57 | 24 | 512 | 663 | -1,133 | -786 |
| Tax % | -26% | 26% | 30% | 23% | 11% | 24% | 24% | 8% | |
| Net Profit | -39 | 51 | 70 | 44 | 22 | 387 | 505 | -1,225 | -998 |
| EPS in Rs | -5.70 | 4.81 | 5.14 | 3.25 | 1.61 | 23.97 | 31.17 | -75.54 | -61.59 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
YoY Net Profit Growth
| Year | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 230.77% | 37.25% | -37.14% | -50.00% | 1659.09% | 30.49% | -342.57% |
| Change in YoY Net Profit Growth (%) | 0.00% | -193.51% | -74.40% | -12.86% | 1709.09% | -1628.60% | -373.07% |
Fusion Micro Finance Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 7 years from 2018-2019 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 26% |
| 3 Years: | 26% |
| TTM: | -17% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| TTM: | -467% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| 1 Year: | -44% |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | -3% |
| 3 Years: | -5% |
| Last Year: | -55% |
Last Updated: September 5, 2025, 3:30 pm
Balance Sheet
Last Updated: December 4, 2025, 2:54 am
| Month | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 41 | 62 | 79 | 79 | 83 | 100 | 101 | 101 | 131 |
| Reserves | 214 | 564 | 1,120 | 1,167 | 1,255 | 2,222 | 2,748 | 1,543 | 1,787 |
| Borrowing | 1,608 | 2,929 | 2,974 | 4,432 | 5,776 | 6,778 | 8,616 | 6,402 | 4,934 |
| Other Liabilities | 106 | 56 | 67 | 159 | 177 | 263 | 310 | 247 | 239 |
| Total Liabilities | 1,968 | 3,611 | 4,240 | 5,838 | 7,290 | 9,364 | 11,774 | 8,293 | 7,090 |
| Fixed Assets | 5 | 6 | 6 | 18 | 19 | 21 | 31 | 27 | 42 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 2 | 0 |
| Investments | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 2 | 2 |
| Other Assets | 1,963 | 3,604 | 4,233 | 5,820 | 7,271 | 9,342 | 11,739 | 8,261 | 7,047 |
| Total Assets | 1,968 | 3,611 | 4,240 | 5,838 | 7,290 | 9,364 | 11,774 | 8,293 | 7,090 |
Below is a detailed analysis of the balance sheet data for Fusion Micro Finance Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 131.00 Cr.. The value appears strong and on an upward trend. It has increased from 101.00 Cr. (Mar 2025) to 131.00 Cr., marking an increase of 30.00 Cr..
- For Reserves, as of Sep 2025, the value is 1,787.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,543.00 Cr. (Mar 2025) to 1,787.00 Cr., marking an increase of 244.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 239.00 Cr.. The value appears to be improving (decreasing). It has decreased from 247.00 Cr. (Mar 2025) to 239.00 Cr., marking a decrease of 8.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 7,090.00 Cr.. The value appears to be improving (decreasing). It has decreased from 8,293.00 Cr. (Mar 2025) to 7,090.00 Cr., marking a decrease of 1,203.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 42.00 Cr.. The value appears strong and on an upward trend. It has increased from 27.00 Cr. (Mar 2025) to 42.00 Cr., marking an increase of 15.00 Cr..
- For CWIP, as of Sep 2025, 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 2025) to 0.00 Cr., marking a decrease of 2.00 Cr..
- For Investments, as of Sep 2025, the value is 2.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 2.00 Cr..
- For Other Assets, as of Sep 2025, the value is 7,047.00 Cr.. The value appears to be declining and may need further review. It has decreased from 8,261.00 Cr. (Mar 2025) to 7,047.00 Cr., marking a decrease of 1,214.00 Cr..
- For Total Assets, as of Sep 2025, the value is 7,090.00 Cr.. The value appears to be declining and may need further review. It has decreased from 8,293.00 Cr. (Mar 2025) to 7,090.00 Cr., marking a decrease of 1,203.00 Cr..
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow
| Month | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | 181.00 | 170.00 | 288.00 | 433.00 | 671.00 | 632.00 | 941.00 | -4.00 |
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.
Financial Efficiency Indicators
| Month | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|
| ROE % | 12% | 8% | 4% | 2% | 21% | 20% | -55% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| ICICI Prudential Banking and Financial Services | 1,470,333 | 0.22 | 24.75 | 1,470,333 | 2025-12-16 15:58:31 | 0% |
| Nippon India Value Fund | 1,226,719 | 0.22 | 20.65 | 1,226,719 | 2025-12-16 15:58:31 | 0% |
| HDFC Dividend Yield Fund | 1,158,773 | 0.31 | 19.5 | 1,158,773 | 2025-12-16 15:58:31 | 0% |
| HDFC Banking & Financial Services Fund | 1,064,933 | 0.4 | 17.92 | 1,064,933 | 2025-12-16 15:58:31 | 0% |
| HDFC Banking & Financial Services Fund | 1,767,156 | 0.38 | 16.97 | 1,064,933 | 2025-12-16 15:58:31 | 65.94% |
| ICICI Prudential Banking and Financial Services | 1,083,043 | 0.09 | 10.4 | 1,470,333 | 2025-12-16 15:58:31 | -26.34% |
| HDFC Dividend Yield Fund | 834,757 | 0.13 | 8.01 | 1,158,773 | 2025-12-16 15:58:31 | -27.96% |
| Aditya Birla Sun Life Banking and Financial Services Fund | 472,273 | 0.21 | 7.95 | 472,273 | 2025-12-16 15:58:31 | 0% |
| Nippon India Value Fund | 741,423 | 0.08 | 7.62 | 1,226,719 | 2025-12-16 15:58:31 | -39.56% |
| Aditya Birla Sun Life Banking and Financial Services Fund | 536,079 | 0.15 | 5.51 | 472,273 | 2025-12-16 15:58:31 | 13.51% |
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.
Strength and Weakness
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:
- 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.
- ROCE: 49.89% (Industry Average ROCE: 11.73%)
- 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.
- ROE%: 17.74% (Industry Average ROE: 22.92%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- 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.
- 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.
- Stock P/E: 0 (Industry average Stock P/E: 452.52)
- 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.
- 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.
Stock Rating: - Net Profit Margin: 21.81%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Microfinance Institutions | H-1, C Block, Community Centre, New Delhi Delhi 110028 | deepak.madaan@fusionfin.com http://www.fusionfin.com |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Devesh Sachdev | Managing Director |
| Ms. Ratna Dharashree Vishwanathan | Ind.& Non Exe.Director |
| Ms. Namrata Kaul | Ind.& Non Exe.Director |
| Mr. Puneet Gupta | Ind.& Non Exe.Director |
| Mr. Narendra Ostawal | Nominee Director |
| Mr. Kenneth Dan Vander Weele | Nominee Director |
FAQ
What is the intrinsic value of Fusion Micro Finance Ltd?
Fusion Micro Finance Ltd's intrinsic value (as of 15 December 2025) is 787.15 which is 395.06% higher the current market price of 159.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 1,605 Cr. market cap, FY2025-2026 high/low of 212/124, reserves of ₹1,787 Cr, and liabilities of 7,090 Cr.
What is the Market Cap of Fusion Micro Finance Ltd?
The Market Cap of Fusion Micro Finance Ltd is 1,605 Cr..
What is the current Stock Price of Fusion Micro Finance Ltd as on 15 December 2025?
The current stock price of Fusion Micro Finance Ltd as on 15 December 2025 is 159.
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 212/124.
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 118.
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 2.96 %.
What is the ROE of Fusion Micro Finance Ltd?
The ROE of Fusion Micro Finance Ltd is 54.5 %.
What is the Face Value of Fusion Micro Finance Ltd?
The Face Value of Fusion Micro Finance Ltd is 10.0.