Share Price and Basic Stock Data
Last Updated: October 26, 2025, 11:36 am
| PEG Ratio | 0.00 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
Fusion Micro Finance Ltd reported a revenue of ₹1,742 Cr for the fiscal year ending March 2023, reflecting a significant increase from ₹1,151 Cr in the previous year. Revenue has shown a consistent upward trend, rising from ₹1,151 Cr in FY 2022 to ₹2,320 Cr in FY 2025. Quarterly revenue figures also indicate growth, with the latest quarter (September 2023) recording ₹547 Cr, an increase from ₹531 Cr in June 2023. However, the company’s financial performance is marked by high expenses, which stood at ₹638 Cr in FY 2023 and surged to ₹2,646 Cr in FY 2025. This increase in expenses has impacted the financing profit, which transitioned from ₹461 Cr in FY 2023 to a negative ₹1,170 Cr in FY 2025. The financing margin has also deteriorated, falling to -50% in FY 2025 from 26% in FY 2023. The company must focus on controlling its expenses to improve its revenue-generating efficiency in the coming periods.
Profitability and Efficiency Metrics
Fusion Micro Finance Ltd’s profitability has faced significant challenges, as evidenced by its net profit declining to a loss of ₹1,225 Cr for FY 2025, compared to a profit of ₹387 Cr in FY 2023. This decline is alarming, particularly as the company reported a net profit of ₹115 Cr for the March 2023 quarter, only to face losses in subsequent quarters, with a net loss of ₹305 Cr in September 2024. The return on equity (ROE) has also taken a drastic turn, moving from 21% in FY 2023 to -55% in FY 2025, indicating severe inefficiencies in generating returns for shareholders. The interest coverage ratio (ICR) remained relatively stable at 1.85x for FY 2025, suggesting that the company still manages to cover its interest obligations, albeit under increasing financial strain. The gross NPA percentage showed fluctuations, reaching 12.58% in December 2024, which is indicative of potential asset quality deterioration that could further impact profitability.
Balance Sheet Strength and Financial Ratios
The balance sheet of Fusion Micro Finance Ltd shows a complex picture, with total assets standing at ₹8,293 Cr for FY 2025, a decline from ₹11,774 Cr in FY 2024. Reserves have also decreased to ₹1,543 Cr from ₹2,748 Cr in FY 2024, indicating potential liquidity issues. Borrowings reported at ₹6,402 Cr for FY 2025 highlight a significant debt burden, especially when compared to equity capital of ₹101 Cr. This results in a high debt-to-equity ratio of 3.01, suggesting heavy reliance on debt financing, which may raise concerns about financial stability. The company’s current and quick ratios, both at 1.31, indicate that it can meet its short-term liabilities, but the decreasing reserves could pose challenges in the long run. The financial ratios indicate that while the company has managed to maintain some liquidity, its high leverage could become a risk if profitability does not rebound.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Fusion Micro Finance Ltd reflects a diverse ownership structure. As of June 2025, promoters hold 55.02% of the shares, a reduction from 68.18% in December 2022, indicating a possible dilution of promoter control. Foreign institutional investors (FIIs) account for 2.99%, while domestic institutional investors (DIIs) hold 12.57%. Public ownership has increased to 29.19%, suggesting growing interest from retail investors. However, the decline in promoter ownership could signal a lack of confidence among insiders, which might affect investor sentiment. The total number of shareholders has increased to 79,097, reflecting a growing retail investor base. Despite the challenges in profitability, the increasing public stake may indicate that some investors perceive potential for recovery or value in the company’s long-term prospects.
Outlook, Risks, and Final Insight
If margins sustain and operational efficiencies improve, Fusion Micro Finance Ltd could potentially reverse its current trajectory of losses. The company faces several risks, including high levels of debt, declining profitability, and increasing NPAs that could further strain financial performance. Additionally, the significant drop in reserves raises concerns about liquidity and financial flexibility. The ongoing trends in expenses need to be addressed to restore profitability. Conversely, the company’s established revenue growth trend and consistent interest coverage ratio provide a foundation for potential recovery. If management can effectively control costs and improve asset quality, there may be opportunities to regain investor confidence and enhance shareholder value in the future.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
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 | 137 Cr. | 35.6 | 869/31.9 | 1.33 | 155 | 0.00 % | 14.3 % | 22.4 % | 10.0 |
| Fusion Micro Finance Ltd | 2,484 Cr. | 182 | 227/124 | 101 | 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 | 55.2 Cr. | 4.33 | 8.90/3.97 | 5.12 | 0.00 % | 6.98 % | 0.86 % | 2.00 | |
| Industry Average | 7,595.57 Cr | 259.49 | 339.45 | 100.76 | 0.22% | 11.73% | 22.92% | 9.18 |
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: June 16, 2025, 1:24 pm
| Metric | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 266 | 494 | 720 | 856 | 1,151 | 1,742 | 2,317 | 2,320 |
| Interest | 137 | 254 | 338 | 375 | 496 | 643 | 791 | 844 |
| Expenses | 182 | 172 | 290 | 437 | 676 | 638 | 949 | 2,646 |
| Financing Profit | -53 | 68 | 93 | 43 | -20 | 461 | 577 | -1,170 |
| Financing Margin % | -20% | 14% | 13% | 5% | -2% | 26% | 25% | -50% |
| Other Income | 1 | 3 | 10 | 17 | 50 | 58 | 96 | 49 |
| Depreciation | 2 | 2 | 3 | 4 | 5 | 7 | 9 | 12 |
| Profit before tax | -54 | 68 | 100 | 57 | 24 | 512 | 663 | -1,133 |
| Tax % | -26% | 26% | 30% | 23% | 11% | 24% | 24% | 8% |
| Net Profit | -39 | 51 | 70 | 44 | 22 | 387 | 505 | -1,225 |
| EPS in Rs | -5.70 | 4.81 | 5.14 | 3.25 | 1.61 | 23.97 | 31.17 | -75.54 |
| 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: July 25, 2025, 1:16 pm
| Month | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|
| Equity Capital | 41 | 62 | 79 | 79 | 83 | 100 | 101 | 101 |
| Reserves | 214 | 564 | 1,120 | 1,167 | 1,255 | 2,222 | 2,748 | 1,543 |
| Borrowing | 1,608 | 2,929 | 2,974 | 4,432 | 5,776 | 6,778 | 8,616 | 6,402 |
| Other Liabilities | 106 | 56 | 67 | 159 | 177 | 263 | 310 | 247 |
| Total Liabilities | 1,968 | 3,611 | 4,240 | 5,838 | 7,290 | 9,364 | 11,774 | 8,293 |
| Fixed Assets | 5 | 6 | 6 | 18 | 19 | 21 | 31 | 27 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 2 |
| 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 | 8,261 |
| Total Assets | 1,968 | 3,611 | 4,240 | 5,838 | 7,290 | 9,364 | 11,774 | 8,293 |
Below is a detailed analysis of the balance sheet data for Fusion Micro Finance Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:
- For Equity Capital, as of Mar 2025, 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 Mar 2025, the value is 1,543.00 Cr.. The value appears to be declining and may need further review. It has decreased from 2,748.00 Cr. (Mar 2024) to 1,543.00 Cr., marking a decrease of 1,205.00 Cr..
- For Other Liabilities, as of Mar 2025, the value is 247.00 Cr.. The value appears to be improving (decreasing). It has decreased from 310.00 Cr. (Mar 2024) to 247.00 Cr., marking a decrease of 63.00 Cr..
- For Total Liabilities, as of Mar 2025, the value is 8,293.00 Cr.. The value appears to be improving (decreasing). It has decreased from 11,774.00 Cr. (Mar 2024) to 8,293.00 Cr., marking a decrease of 3,481.00 Cr..
- For Fixed Assets, as of Mar 2025, the value is 27.00 Cr.. The value appears to be declining and may need further review. It has decreased from 31.00 Cr. (Mar 2024) to 27.00 Cr., marking a decrease of 4.00 Cr..
- For CWIP, as of Mar 2025, 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 Investments, as of Mar 2025, 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 Mar 2025, the value is 8,261.00 Cr.. The value appears to be declining and may need further review. It has decreased from 11,739.00 Cr. (Mar 2024) to 8,261.00 Cr., marking a decrease of 3,478.00 Cr..
- For Total Assets, as of Mar 2025, the value is 8,293.00 Cr.. The value appears to be declining and may need further review. It has decreased from 11,774.00 Cr. (Mar 2024) to 8,293.00 Cr., marking a decrease of 3,481.00 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 - No data available for this post.
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 |
|---|---|---|---|---|---|---|
| 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% |
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
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:
- 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: 339.45)
- 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 26 October 2025) is 673.75 which is 270.19% higher the current market price of 182.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 2,484 Cr. market cap, FY2025-2026 high/low of 227/124, reserves of ₹1,543 Cr, and liabilities of 8,293 Cr.
What is the Market Cap of Fusion Micro Finance Ltd?
The Market Cap of Fusion Micro Finance Ltd is 2,484 Cr..
What is the current Stock Price of Fusion Micro Finance Ltd as on 26 October 2025?
The current stock price of Fusion Micro Finance Ltd as on 26 October 2025 is 182.
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 227/124.
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 101.
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.