Share Price and Basic Stock Data
Last Updated: January 24, 2026, 5:39 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 reported a significant increase in revenue, rising from ₹1,151 Cr in FY 2022 to ₹1,742 Cr in FY 2023, marking a growth of approximately 51% year-on-year. The upward trend continued into FY 2024, with revenue projected at ₹2,317 Cr, reflecting a consistent demand for microfinance services. The quarterly revenue figures demonstrate a steady increase, with Q2 FY 2024 revenue reported at ₹688 Cr, up from ₹531 Cr in Q1 FY 2024. This growth trajectory indicates a robust market position, particularly in the microfinance sector, which has seen increasing demand amid rising financial inclusion efforts in India. The company’s ability to maintain a diverse revenue stream, including other income of ₹58 Cr in FY 2023, supports its resilience against market fluctuations. Notably, the financing profit for Q2 FY 2025 showed a decline, indicating potential challenges ahead, which could impact future revenue stability.
Profitability and Efficiency Metrics
Despite the strong revenue growth, Fusion Micro Finance Ltd reported a net profit of ₹387 Cr in FY 2023, which declined to a projected loss of ₹1,225 Cr in FY 2025. This drastic shift raises concerns regarding the company’s operational efficiency and cost management, particularly as expenses surged to ₹2,646 Cr in FY 2025, up from ₹638 Cr in FY 2023. The financing margin percentage also deteriorated significantly, standing at -50% in FY 2025 compared to 26% in FY 2023, highlighting challenges in maintaining profitability. The return on equity (ROE) exhibited a volatile performance, recorded at 21% in FY 2023 but projected to decline to -55% in FY 2025. Such a trend suggests that while revenue growth is promising, the company must address underlying inefficiencies to improve profitability and shareholder returns. The gross NPA ratio saw a decline to 2.68% in September 2023, but its subsequent increase to 9.41% by September 2024 raises red flags about asset quality.
Balance Sheet Strength and Financial Ratios
Fusion Micro Finance Ltd’s balance sheet reflects a complex financial structure, with total liabilities reported at ₹8,293 Cr in FY 2025, comprised mainly of borrowings which stood at ₹6,402 Cr. The company’s equity capital increased to ₹101 Cr by FY 2025, while reserves dropped to ₹1,543 Cr from ₹2,748 Cr in FY 2024, indicating potential liquidity pressures. The interest coverage ratio (ICR) stood at 1.85x, suggesting that the company can cover its interest payments, albeit marginally. The total debt-to-equity ratio was reported at 3.01x, indicating a high reliance on debt financing, which may pose risks during economic downturns. Additionally, the price-to-book value (P/BV) ratio at 1.64x suggests the market has a favorable view of the company’s assets relative to its market price. However, the significant fluctuations in profitability and the declining reserves raise concerns about long-term financial stability, necessitating careful monitoring of leverage and asset management.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Fusion Micro Finance Ltd reveals a diverse ownership structure, with promoters holding 54.96% of the shares as of September 2025. Institutional investors hold a combined 15.8% of the company, with foreign institutional investors (FIIs) at 3.92% and domestic institutional investors (DIIs) at 11.88%. The public’s stake stands at 29.01%, indicating a broad base of retail investors. The gradual decline in promoter shareholding from 68.18% in March 2023 to 54.96% suggests a potential dilution of control, which could impact investor confidence. However, the increase in public shareholding from 9.62% in June 2023 to 29.01% by September 2025 reflects growing interest among retail investors. The number of shareholders also rose significantly to 76,683, highlighting enhanced market participation. This diverse shareholding structure may provide stability; however, the declining promoter stake warrants scrutiny regarding governance and strategic direction.
Outlook, Risks, and Final Insight
Looking ahead, Fusion Micro Finance Ltd faces both opportunities and challenges. The continued demand for microfinance products in India presents growth potential; however, the company must address its declining profitability and increasing NPAs to ensure sustainability. The projected loss of ₹1,225 Cr in FY 2025 raises significant concerns, suggesting that operational efficiencies need urgent attention. Additionally, the high debt levels pose a risk, especially in a rising interest rate environment. Strengths include a strong revenue growth trajectory and a diversified shareholder base, which can provide liquidity and support. In contrast, risks such as deteriorating asset quality and reliance on debt financing could hinder future performance. Hence, while the microfinance sector may offer robust growth prospects, Fusion Micro Finance Ltd must implement strategic measures to stabilize its financial health and enhance investor confidence moving forward.
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 | 88.5 Cr. | 23.0 | 776/20.5 | 0.86 | 155 | 0.00 % | 14.3 % | 22.4 % | 10.0 |
| Fusion Micro Finance Ltd | 2,842 Cr. | 177 | 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 | 37.0 Cr. | 2.90 | 7.99/2.70 | 4.93 | 0.00 % | 6.98 % | 0.86 % | 2.00 | |
| Industry Average | 6,328.96 Cr | 198.49 | 261.34 | 219.28 | 0.27% | 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: January 7, 2026, 5:29 pm
| 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 | 2026-01-25 11:49:03 | 0% |
| Nippon India Value Fund | 1,226,719 | 0.22 | 20.65 | 1,226,719 | 2026-01-25 11:49:03 | 0% |
| HDFC Dividend Yield Fund | 1,158,773 | 0.31 | 19.5 | 1,158,773 | 2026-01-25 11:49:03 | 0% |
| HDFC Banking & Financial Services Fund | 1,064,933 | 0.4 | 17.92 | 1,064,933 | 2026-01-25 11:49:03 | 0% |
| HDFC Banking & Financial Services Fund | 1,767,156 | 0.38 | 16.97 | 1,064,933 | 2026-01-25 11:49:03 | 65.94% |
| ICICI Prudential Banking and Financial Services | 1,083,043 | 0.09 | 10.4 | 1,470,333 | 2026-01-25 11:49:03 | -26.34% |
| HDFC Dividend Yield Fund | 834,757 | 0.13 | 8.01 | 1,158,773 | 2026-01-25 11:49:03 | -27.96% |
| Aditya Birla Sun Life Banking and Financial Services Fund | 472,273 | 0.21 | 7.95 | 472,273 | 2026-01-25 11:49:03 | 0% |
| Nippon India Value Fund | 741,423 | 0.08 | 7.62 | 1,226,719 | 2026-01-25 11:49:03 | -39.56% |
| Aditya Birla Sun Life Banking and Financial Services Fund | 536,079 | 0.15 | 5.51 | 472,273 | 2026-01-25 11:49:03 | 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: 261.34)
- 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 25 January 2026) is ₹342.41 which is 93.45% higher the current market price of ₹177.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹2,842 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 2,842 Cr..
What is the current Stock Price of Fusion Micro Finance Ltd as on 25 January 2026?
The current stock price of Fusion Micro Finance Ltd as on 25 January 2026 is ₹177.
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.