Share Price and Basic Stock Data
Last Updated: February 13, 2026, 10:22 pm
| 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 demonstrated a steady growth trajectory in its revenue over the past few years. For the fiscal year ending March 2023, the company reported revenue of ₹1,742 Cr, up from ₹1,151 Cr in FY 2022, marking an increase of 51.3%. This upward trend continued into FY 2024, where revenue rose slightly to ₹2,317 Cr. The quarterly figures for the fiscal year 2025 show consistent growth, with revenue standing at ₹547 Cr in September 2023 and projected to reach ₹688 Cr by June 2024. This trend indicates a robust demand for the company’s microfinance products, suggesting a solid market position. However, the revenue growth appears to be under pressure in later quarters, as indicated by a forecasted decline to ₹401 Cr by September 2025. Overall, the revenue growth trajectory indicates a strong operational performance, although the sustainability of this growth is a point of concern.
Profitability and Efficiency Metrics
Despite the increase in revenue, Fusion Micro Finance Ltd has faced significant challenges in profitability. The net profit for the fiscal year ending March 2025 was reported at a loss of ₹1,225 Cr, a stark contrast to the profit of ₹387 Cr recorded in FY 2023. The overall cost structure has worsened, with expenses ballooning to ₹2,646 Cr in FY 2025 from ₹638 Cr in FY 2023. The financing margin deteriorated drastically, going from a positive 26% in FY 2023 to a negative 50% in FY 2025, indicating severe operational inefficiencies. The interest coverage ratio stood at 1.85x, reflecting some ability to meet interest obligations, but this figure is precariously low compared to the industry average, which typically hovers around 2.5x. The Gross NPA ratio also rose sharply, peaking at 12.58% in December 2024, reflecting a deteriorating asset quality that could lead to further profitability issues.
Balance Sheet Strength and Financial Ratios
Fusion Micro Finance Ltd’s balance sheet reveals both strengths and weaknesses. As of September 2025, the company reported total assets of ₹7,090 Cr against total liabilities of ₹7,090 Cr, indicating a balanced position but raising concerns about leverage given the total debt to equity ratio of 3.01x. The company has substantial reserves amounting to ₹1,787 Cr, which provides a cushion against financial distress. However, the sharp decline in borrowings from ₹8,616 Cr in March 2024 to ₹4,934 Cr in September 2025 could indicate tightening credit conditions or a strategic decision to reduce leverage. The Return on Equity (ROE) stood at a remarkable 54.5%, reflecting strong returns on shareholders’ investments, albeit this figure is in stark contrast to the negative 55% projected for FY 2025. The price to book value ratio of 1.64x suggests that the stock is trading at a premium, which may not be justified given the recent losses.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Fusion Micro Finance Ltd reflects a diverse ownership structure. As of September 2025, promoters held 54.96% of the equity, a decline from 68.18% in December 2022, indicating potential concerns about management confidence or strategic shifts. Foreign Institutional Investors (FIIs) have reduced their stake from 5.32% in December 2022 to 3.92% in September 2025, while Domestic Institutional Investors (DIIs) have also decreased their holdings from 12.77% to 11.88% over the same period. This decline in institutional interest may signal waning confidence in the company’s future prospects, particularly given its deteriorating financial metrics. Conversely, the public’s shareholding increased from 9.62% to 29.01%, suggesting that retail investors may be more optimistic or are capitalizing on the stock’s lower price. The total number of shareholders stood at 76,683, reflecting a broad base of retail participation.
Outlook, Risks, and Final Insight
Looking ahead, Fusion Micro Finance Ltd faces significant challenges that could impact its ability to return to profitability. Key risks include rising NPAs, which reached alarming levels, alongside a deteriorating financing margin that could further erode profit margins. The company’s reliance on external borrowing, highlighted by its high debt-to-equity ratio, poses additional risks in a tightening credit environment. However, strengths such as a strong ROE and a solid reserve base provide some buffer against these challenges. The outlook hinges on the company’s ability to manage asset quality and operational efficiency effectively. If it can stabilize its financing margin and improve its NPA ratios, there is potential for recovery. Conversely, continued losses could lead to further declines in investor confidence and stock price, necessitating strategic changes to regain market trust and operational stability.
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. | 27.9 | 609/20.5 | 1.05 | 155 | 0.00 % | 14.3 % | 22.4 % | 10.0 |
| Fusion Micro Finance Ltd | 3,051 Cr. | 188 | 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 | 45.2 Cr. | 3.54 | 7.43/2.70 | 4.93 | 0.00 % | 6.98 % | 0.86 % | 2.00 | |
| Industry Average | 7,048.25 Cr | 216.99 | 270.71 | 219.10 | 0.26% | 11.73% | 22.92% | 9.00 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 440 | 459 | 501 | 531 | 547 | 593 | 646 | 688 | 692 | 474 | 466 | 434 | 401 |
| Interest | 157 | 168 | 174 | 183 | 191 | 201 | 215 | 223 | 227 | 214 | 179 | 149 | 134 |
| Expenses | 167 | 163 | 192 | 208 | 213 | 243 | 286 | 532 | 884 | 773 | 458 | 387 | 318 |
| Financing Profit | 115 | 128 | 134 | 140 | 143 | 149 | 145 | -67 | -420 | -513 | -171 | -101 | -52 |
| Financing Margin % | 26% | 28% | 27% | 26% | 26% | 25% | 22% | -10% | -61% | -108% | -37% | -23% | -13% |
| Other Income | 13 | 8 | 20 | 22 | 25 | 20 | 29 | 18 | 12 | 9 | 10 | 11 | 32 |
| Depreciation | 2 | 2 | 2 | 2 | 2 | 2 | 3 | 2 | 3 | 3 | 3 | 2 | 2 |
| Profit before tax | 126 | 134 | 152 | 159 | 166 | 166 | 172 | -51 | -410 | -508 | -165 | -92 | -22 |
| Tax % | 25% | 23% | 25% | 24% | 24% | 24% | 23% | -30% | -26% | 42% | 0% | 0% | 0% |
| Net Profit | 95 | 102 | 115 | 120 | 126 | 126 | 133 | -36 | -305 | -719 | -165 | -92 | -22 |
| EPS in Rs | 7.03 | 6.34 | 7.09 | 7.46 | 7.75 | 7.80 | 8.19 | -2.20 | -18.82 | -44.38 | -10.15 | -5.69 | -1.37 |
| Gross NPA % | 3.83% | 3.69% | 3.46% | 3.20% | 2.68% | 3.04% | 2.89% | 5.46% | 9.41% | 12.58% | 7.92% | 5.43% | 4.61% |
| Net NPA % | 1.12% | 0.87% | 0.78% | 0.65% | 0.77% | 0.77% | 1.25% | 2.41% | 1.71% | 0.30% | 0.19% | 0.38% |
Last Updated: January 7, 2026, 8:33 am
Below is a detailed analysis of the quarterly data for Fusion Micro Finance Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Interest, as of Sep 2025, the value is 134.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 149.00 Cr. (Jun 2025) to 134.00 Cr., marking a decrease of 15.00 Cr..
- For Expenses, as of Sep 2025, the value is 318.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 387.00 Cr. (Jun 2025) to 318.00 Cr., marking a decrease of 69.00 Cr..
- For Other Income, as of Sep 2025, the value is 32.00 Cr.. The value appears strong and on an upward trend. It has increased from 11.00 Cr. (Jun 2025) to 32.00 Cr., marking an increase of 21.00 Cr..
- For Depreciation, as of Sep 2025, the value is 2.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 2.00 Cr..
- For Profit before tax, as of Sep 2025, the value is -22.00 Cr.. The value appears strong and on an upward trend. It has increased from -92.00 Cr. (Jun 2025) to -22.00 Cr., marking an increase of 70.00 Cr..
- For Tax %, as of Sep 2025, the value is 0.00%. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00%.
- For Net Profit, as of Sep 2025, the value is -22.00 Cr.. The value appears strong and on an upward trend. It has increased from -92.00 Cr. (Jun 2025) to -22.00 Cr., marking an increase of 70.00 Cr..
- For EPS in Rs, as of Sep 2025, the value is -1.37. The value appears strong and on an upward trend. It has increased from -5.69 (Jun 2025) to -1.37, marking an increase of 4.32.
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: February 1, 2026, 2:49 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 |
|---|---|---|---|---|---|---|
| HDFC Banking & Financial Services Fund | 2,832,089 | 0.99 | 44.31 | 1,767,156 | 2026-01-26 07:18:35 | 60.26% |
| ICICI Prudential Banking and Financial Services | 2,553,376 | 0.36 | 39.95 | 1,083,043 | 2026-01-26 07:18:35 | 135.76% |
| HDFC Dividend Yield Fund | 1,993,530 | 0.51 | 31.19 | 834,757 | 2026-01-26 07:18:35 | 138.82% |
| Nippon India Value Fund | 1,968,142 | 0.34 | 30.79 | 741,423 | 2026-01-26 07:18:35 | 165.45% |
| Aditya Birla Sun Life Banking and Financial Services Fund | 1,008,352 | 0.43 | 15.78 | 536,079 | 2026-01-26 07:18:35 | 88.1% |
| Bandhan Financial Services Fund | 652,996 | 0.9 | 10.22 | N/A | N/A | N/A |
| Bandhan Business Cycle Fund | 443,363 | 0.48 | 6.94 | N/A | N/A | N/A |
| ITI ELSS Tax Saver Fund | 133,730 | 0.48 | 2.09 | N/A | N/A | N/A |
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: 270.71)
- 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 | Contact not found |
| 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 13 February 2026) is ₹342.41 which is 82.13% higher the current market price of ₹188.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹3,051 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 3,051 Cr..
What is the current Stock Price of Fusion Micro Finance Ltd as on 13 February 2026?
The current stock price of Fusion Micro Finance Ltd as on 13 February 2026 is ₹188.
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.