FUSION - FUSION FINANCE LIMITED Share Price

Finance

₹168.56-0.19(-0.11%)

Market Closed as of Apr 28, 2025, 15:30 IST

What does FUSION FINANCE LIMITED do?

Microfinance Institutions•Financial Services•Small Cap

Fusion Finance Limited, a non-banking financial company, provides micro finance lending services to women entrepreneurs in rural and semi-urban areas in India. The company offers income generation, top up, emergency, and cross sell loans; and unsecured and secured business loans, and machinery loans to micro, small, and medium-sized enterprises. The company was formerly known as Fusion Micro Finance Limited and changed its name to Fusion Finance Limited in July 2024. Fusion Finance Limited was incorporated in 1994 and is headquartered in Gurugram, India.

Industry Group:Finance

Employees:13,807

Website:www.fusionmicrofinance.com

Pros

Buy Backs: Company has bought back it's stock in the past which is a good thing.

Smart Money: Smart money has been increasing their position in the stock.

Momentum: Stock price has a strong positive momentum. Stock is up 23.3% in last 30 days.

Cons

Profitability: Poor Profitability. Recent profit margins are negative at -36%.

Dividend: Stock hasn't been paying any dividend.

The Good, Bad and Ugly

Growth

Profitability

Size

Dilution Rank

Balance Sheet

Momentum

Technicals

Smart Money

Insider Trading

Sector Comparison: FUSION vs Finance

Comprehensive comparison against sector averages

Comparative Metrics

FUSION metrics compared to Finance

Category	FUSION	Finance
PE	-1.84	18.26
PS	0.66	3.81
Growth	13.7 %	10.4 %

Performance Comparison

FUSION vs Finance (2023 - 2025)

Key Insights

1. FUSION is NOT among the Top 10 largest companies in Finance.
2. The company holds a market share of 0.3% in Finance.
3. In last one year, the company has had an above average growth that other Finance companies.

Cash Flow for FUSION FINANCE

Standalone figures (in Rs. Crores)

Finance costs	-150%
Depreciation	25.2%
Impairment loss / reversal	82.9%
Unrealised forex losses/gains	-104.7%
Share-based payments	109.8%
Net Cashflows From Operations	21.8%
Income taxes paid (refund)	22.3%
Net Cashflows From Operating Activities	18.8%
Proceeds from sales of PPE	-
Purchase of property, plant and equipment	129.7%
Proceeds from sales of investment property	65.4%
Purchase of investment property	65.3%
Purchase of intangible assets	-
Purchase of intangible assets under development	-
Net Cashflows From Investing Activities	76.5%
Proceeds from issuing shares	-99%
Proceeds from issuing debt etc	-100.6%
Proceeds from borrowings	43%
Repayments of borrowings	27.2%
Payments of lease liabilities	43.7%
Net Cashflows From Financing Activities	16.4%
Net change in cash and cash eq.	943.4%

Share Holdings

Understand FUSION FINANCE ownership landscape with insights into key distribution patterns, offering investors a clear view of stakeholder dynamics.

Holding Pattern

Major Shareholders

Share Holding Details

As of 2025-03-31

Shareholder Name	Holding %
Honey Rose Investment Ltd	32.83%
Creation Investments Fusion, LLC	9.93%
Creation Investments Fusion II, LLC	9.85%
Nippon Life India Trustee Ltd-A/C Nippon India Small Cap Fund	6.04%
Devesh Sachdev	4.89%
Hdfc Mutual Fund - Hdfc Multi Cap Fund	3.93%
Icici Prudential Banking And Financial Services Fund	1.34%
Acm Global Fund Vcc	1.04%
Future Generali India Life Insurance Co. Ltd-Shareholders / Non Unit Linked	1.02%
Mini Sachdev	0.21%
Devesh Sachdev Family Trust	0%

Overall Distribution

Distribution across major stakeholders

Ownership Distribution

Distribution across major institutional holders

Balance Sheet for FUSION FINANCE

Standalone figures (in Rs. Crores)

Description	(%) Q/Q	Dec-2024	Sep-2024	Mar-2024	Sep-2023	Mar-2023	Sep-2022
Cash and cash equivalents	-	-	1,793	1,475	1,400	950	917
Derivative financial instruments	-	-	0.5	0	-	0.14	0
Trade receivables	-	-	13	14	12	14	6.09
Loans	-	-	9,139	9,948	8,695	8,042	7,036
Investments	-	-	2.07	2.06	2.02	0	0
Other financial assets	-	-	122	99	85	97	89
Total finanical assets	-100%	0	11,128	-	-	-	-
Current tax assets (Net)	-	-	3.79	3.25	35	38	28
Property, plant and equipment	-	-	17	31	14	21	21
Capital work-in-progress	-	-	0.47	-	-	0.25	0
Total non-financial assets	-100.3%	0	353	-	-	-	-
Total assets	-	-	11,481	11,774	10,432	9,364	8,290
Equity share capital	-	-	101	101	100	100	83
Total equity	-	-	2,523	2,848	2,577	2,322	1,514
Derivative financial instruments	-	-	-	0.01	1.31	-	11
Debt securities	-	-	181	202	537	629	657
Borrowings	-	-	8,407	8,361	6,908	6,037	5,727
Subordinated liabilities	-	-	54	53	83	113	163
Total financial liabilities	-100%	0	8,863	-	-	-	-
Current tax liabilities	-	-	37	-	0.01	0.71	0.11
Provisions	-	-	14	11	13	11	8.13
Total non financial liabilities	-101.1%	0	95	-	-	-	-
Total liabilities	-	-	-	8,926	7,855	7,042	6,776
Total equity and liabilities	-	-	11,481	11,774	10,432	9,364	8,290

Valuation
Market Cap	1.7 kCr
Price/Earnings (Trailing)	-1.84
Price/Sales (Trailing)	0.66
EV/EBITDA	18.16
Price/Free Cashflow	-1.38
MarketCap/EBT	-2.14

Fundamentals
Revenue (TTM)	2.57 kCr
Rev. Growth (Yr)	-21.32%
Rev. Growth (Qtr)	-31.43%
Earnings (TTM)	-927.29 Cr
Earnings Growth (Yr)	-668.86%
Earnings Growth (Qtr)	-135.81%

Profitability
Operating Margin	-31.03%
EBT Margin	-31.03%
Return on Equity	-36.76%
Return on Assets	-8.08%
Free Cashflow Yield	-72.33%

Investor Care
Shares Dilution (1Y)	0.00%
Diluted EPS (TTM)	-92.15

Financial Health
Debt/Equity	0.00

Income Statement for FUSION FINANCE

Standalone figures (in Rs. Crores)

QuarterlyAnnual

Description	(%) Q/Q	Dec-2024	Sep-2024	Jun-2024	Mar-2024	Dec-2023	Sep-2023
Total income	-31.4%	483	704	707	675	613	571
Revenue From Operations	-31.5%	474	692	688	646	593	547
Total interest earned	-30.1%	438	626	621	576	540	497
Fees and commission income	-51.5%	2.66	4.42	7.02	9.49	7.59	8.49
Other income	-30%	8.7	12	18	29	20	25
Total Expenses	-11.1%	990	1,114	757	503	447	406
Employee Expense	7.9%	151	140	135	122	112	99
Finance costs	-5.8%	214	227	223	215	201	191
Depreciation and Amortization	18.9%	3.2	2.85	2.36	2.78	2.38	2.09
Impairment on financial instruments	-17.6%	572	694	348	119	94	76
Other expenses	2.1%	50	49	48	45	37	37
Profit Before exceptional items and Tax	-23.7%	-507.52	-410.21	-50.72	172	166	166
Total profit before tax	-23.7%	-507.52	-410.21	-50.72	172	166	166
Current tax	-926.9%	-69.2	9.49	60	45	43	36
Deferred tax	342.1%	281	-114.66	-74.81	-6.4	-2.74	3.67
Tax expense	298.7%	212	-105.17	-15.1	39	40	40
Total profit (loss) for period	-135.4%	-719.32	-305.04	-35.62	133	126	126
Other comp. income net of taxes	0%	0.45	0.45	0.98	0.26	0.09	0.64
Total Comprehensive Income	-135.6%	-718.87	-304.59	-34.64	133	127	126
Earnings Per Share, Basic	-131.4%	-71.46	-30.31	-3.54	13.2	12.58	12.52
Earnings Per Share, Diluted	-131.4%	-71.46	-30.31	-3.53	13.15	12.51	12.43
Debt equity ratio	-	-	0.03	0.0324	0.0303	0.0296	0.0292

Description	(%) Q/Q	Mar-2024	Mar-2023
Total income	34%	2,412	1,800
Revenue From Operations	33%	2,317	1,742
Total interest earned	30.8%	2,092	1,600
Fees and commission income	115.8%	42	20
Other income	66.7%	96	58
Total Expenses	35.8%	1,749	1,288
Employee Expense	32.3%	431	326
Finance costs	23.1%	791	643
Depreciation and Amortization	25.2%	9.01	7.4
Impairment on financial instruments	82.9%	365	200
Other expenses	36.9%	153	112
Profit Before exceptional items and Tax	29.5%	663	512
Total profit before tax	29.5%	663	512
Current tax	55.5%	172	111
Deferred tax	-217.9%	-14.33	14
Tax expense	26.6%	158	125
Total profit (loss) for period	30.6%	505	387
Other comp. income net of taxes	133.3%	1.23	0.31
Total Comprehensive Income	31.1%	507	387
Earnings Per Share, Basic	16.6%	50.3	43.29
Earnings Per Share, Diluted	16.6%	50.11	43.13
Debt equity ratio	0.1%	0.0303	0.0292

Is FUSION FINANCE Better than it's peers?

Detailed comparison of FUSION FINANCE against industry peers, highlighting key financial metrics, valuation ratios, and performance indicators to provide competitive context within the sector.

Ticker	Name	Mkt Cap	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
BANDHANBNK	Bandhan BankPrivate Sector Bank	26.46 kCr	24.62 kCr	+12.29%	-10.83%	10.66	1.07	+22.78%	-16.80%
CREDITACC	CreditAccess GrameenMicrofinance Institutions	17.47 kCr	5.81 kCr	+15.04%	-25.40%	19.83	3.01	+21.50%	-34.50%
SPANDANA	Spandana Sphoorty FinancialMicrofinance Institutions	2.06 kCr	2.73 kCr	+23.00%	-67.16%	-4.36	0.76	+15.63%	-198.87%

FUSION - FUSION FINANCE LIMITED Share Price

What does FUSION FINANCE LIMITED do?

Sector Comparison: FUSION vs Finance

Comparative Metrics

Performance Comparison

Cash Flow for FUSION FINANCE

Share Holdings

Holding Pattern

Share Holding Details

Overall Distribution

Ownership Distribution

Balance Sheet for FUSION FINANCE

Valuation

Fundamentals

Profitability

Investor Care

Financial Health

Income Statement for FUSION FINANCE

Is FUSION FINANCE Better than it's peers?

Price to Sales Ratio

Revenue (Last 12 mths)

Net Income (Last 12 mths)