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Fusion Finance Ltd (IN:FUSION)
:FUSION
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Fusion Finance Ltd (FUSION) AI Stock Analysis

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IN:FUSION

Fusion Finance Ltd

(FUSION)

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Neutral 49 (OpenAI - 4o)
Rating:49Neutral
Price Target:
₹183.00
▼(-0.52% Downside)
Fusion Finance Ltd's overall score is driven by mixed financial performance and valuation challenges. While revenue growth and cash flow improvements are positive, significant net losses and high leverage are major concerns. Technical indicators suggest a neutral trend, with potential for improvement. The lack of earnings call and corporate events data limits further insights.

Fusion Finance Ltd (FUSION) vs. iShares MSCI India ETF (INDA)

Fusion Finance Ltd Business Overview & Revenue Model

Company DescriptionFusion Finance Ltd (FUSION) is a dynamic financial services provider specializing in innovative fintech solutions. Operating primarily in the sectors of personal finance, investment management, and digital banking, FUSION offers a suite of products including mobile banking applications, automated investment platforms, and personal finance management tools. With a strong focus on leveraging technology to enhance user experience, FUSION aims to democratize access to financial resources and empower individuals to achieve their financial goals.
How the Company Makes MoneyFUSION generates revenue through multiple streams, primarily from transaction fees, subscription services, and asset management fees. The company charges users a nominal fee for transactions conducted through its mobile banking platform, while premium features of its personal finance application are offered through a subscription model. Additionally, FUSION earns income from managing investment portfolios on behalf of clients, collecting a percentage of assets under management as a fee. Strategic partnerships with financial institutions and technology providers further bolster revenues by enabling FUSION to expand its service offerings and reach a broader audience, thus enhancing customer acquisition and retention.

Fusion Finance Ltd Financial Statement Overview

Summary
Fusion Finance Ltd shows moderate revenue growth, but profitability is under pressure with a significant net loss. High leverage is a risk, though strong cash reserves provide some stability. Cash flow improvements are encouraging, but overall financial health needs sustained profitability and reduced debt.
Income Statement
45
Neutral
Fusion Finance Ltd shows moderate revenue growth over the years, with current revenues at $21.49 billion, up from $7.27 billion in 2020. However, the net profit margin has turned negative, with a net loss of $12.25 billion in the latest year, indicating significant profitability challenges. Gross profit margin is healthy but has declined from earlier periods, reflecting pressures on cost control or pricing. EBIT and EBITDA margins are reasonable, but the negative net income is concerning for long-term sustainability.
Balance Sheet
55
Neutral
The company's balance sheet shows a high level of debt, with a debt-to-equity ratio of approximately 3.9, indicating high leverage. The equity ratio stands at about 19.8%, reflecting significant reliance on debt financing. Return on equity has turned negative due to recent losses. Despite high leverage, the company maintains substantial cash reserves, which could provide a buffer against financial instability.
Cash Flow
60
Neutral
Fusion Finance Ltd has shown improvement in cash flows, with a positive free cash flow of $14.37 billion in the latest year, compared to negative free cash flow in previous years. The operating cash flow to net income ratio indicates that cash inflows are not aligned with net earnings, but the turnaround in free cash flow is a positive sign for liquidity management. However, the variability in cash flow metrics over the years suggests potential volatility.
BreakdownTTMDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue13.13B23.51B20.87B15.90B10.57B8.06B
Gross Profit3.19B-3.44B9.31B6.59B3.59B2.82B
EBITDA1.59B5.29B6.73B11.69B5.20B612.15M
Net Income-9.76B-12.25B5.05B3.87B217.55M439.44M
Balance Sheet
Total Assets74.25B82.93B117.74B93.64B72.90B58.38B
Cash, Cash Equivalents and Short-Term Investments7.87B8.53B16.11B11.18B11.58B13.03B
Total Debt52.66B64.02B86.16B67.78B57.76B44.32B
Total Liabilities-16.43B66.49B89.26B70.42B59.53B45.92B
Stockholders Equity16.43B16.43B28.48B23.22B13.38B12.46B
Cash Flow
Free Cash Flow5.57B14.37B-13.70B-16.71B-16.47B-8.01B
Operating Cash Flow5.59B14.48B-13.50B-16.63B-16.41B-7.93B
Investing Cash Flow6.83B744.00M314.80M178.50M184.83M95.58M
Financing Cash Flow-22.44B-22.14B18.43B15.84B14.18B14.59B

Fusion Finance Ltd Technical Analysis

Technical Analysis Sentiment
Positive
Last Price183.95
Price Trends
50DMA
181.08
Positive
100DMA
181.33
Positive
200DMA
170.87
Positive
Market Momentum
MACD
-0.26
Positive
RSI
50.08
Neutral
STOCH
43.38
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:FUSION, the sentiment is Positive. The current price of 183.95 is below the 20-day moving average (MA) of 187.97, above the 50-day MA of 181.08, and above the 200-day MA of 170.87, indicating a neutral trend. The MACD of -0.26 indicates Positive momentum. The RSI at 50.08 is Neutral, neither overbought nor oversold. The STOCH value of 43.38 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:FUSION.

Fusion Finance Ltd Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
₹21.99B18.672.02%-11.33%-40.39%
₹33.13B30.400.85%7.91%16.20%
$18.00B11.429.92%3.81%9.73%1.22%
₹21.34B6.90-17.15%124.47%
₹24.97B15.270.32%6.10%-6.37%
₹34.92B16.930.26%13.28%-6.07%
₹29.20B-17.87%-461.29%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
IN:FUSION
Fusion Finance Ltd
185.15
-25.67
-12.18%
IN:GEOJITFSL
Geojit Financial Services Ltd
74.67
-50.29
-40.24%
IN:MONARCH
Monarch Networth Capital Limited
309.00
-132.17
-29.96%
IN:PAISALO
Paisalo Digital Ltd.
38.95
-7.30
-15.78%
IN:PFS
PTC India Financial Services Limited
37.45
-6.33
-14.46%
IN:TFCILTD
Tourism Finance Corporation of India Limited
70.21
39.83
131.11%

Fusion Finance Ltd Corporate Events

Fusion Finance Expands into Insurance with New IRDAI Certification
Oct 22, 2025

Fusion Finance Limited has received a Certificate of Registration from the Insurance Regulatory and Development Authority of India, allowing it to operate as a ‘Corporate Agent (Composite)’ under the Insurance Act, 1938. This approval enables the company to solicit insurance products to its customers, potentially broadening its service offerings and strengthening its position in the financial services market.

Fusion Finance Limited Announces Key Director Appointments
Oct 21, 2025

Fusion Finance Limited has announced the successful passing of several resolutions through a postal ballot, which includes the appointment of Mr. Sanjay Garyali as a Director and Whole-time Director, Mr. Rajeev Sardana as a Non-Executive Independent Director, and Mr. Hemant Omprakash Mundra as a Non-Executive Director. These appointments, approved by a requisite majority of shareholders, are part of the company’s compliance with SEBI regulations and the Companies Act, 2013, potentially impacting its governance and strategic direction.

Fusion Finance Ltd Grants 90,000 Stock Options to Employees
Oct 2, 2025

Fusion Finance Ltd has announced the approval of 90,000 stock options granted to eligible employees under the Fusion Employee Stock Option Plan 2023. This move, approved by the Nomination and Remuneration Committee, aligns with the company’s strategy to incentivize and retain talent, potentially enhancing employee engagement and productivity. The granted options are priced at Rs. 193.67 per option, with a vesting period starting one year from the grant date and an exercise period of up to eight years, reflecting the company’s commitment to long-term growth and employee participation.

Fusion Finance Dispatches Postal Ballot Notice to Enhance Stakeholder Engagement
Sep 20, 2025

Fusion Finance Limited has announced the dispatch of a postal ballot notice, as published in the Financial Express and Jansatta newspapers. This move is part of the company’s ongoing efforts to engage with its stakeholders and ensure transparency in its operations. The announcement is expected to impact the company’s communication strategy and stakeholder engagement positively.

Fusion Finance Announces Investor Meetings in Mumbai
Sep 10, 2025

Fusion Finance Limited has announced a schedule for upcoming meetings with analysts and institutional investors, set to take place in Mumbai on September 15 and 16, 2025. These meetings, which will be conducted both one-on-one and in group settings, aim to engage with investors and analysts, although no unpublished price-sensitive information will be disclosed. This initiative reflects the company’s commitment to transparency and investor relations, potentially strengthening its market position and stakeholder trust.

Fusion Finance Ltd Strengthens Leadership Team Amid Strategic Growth Plans
Aug 17, 2025

Fusion Finance Ltd has announced significant changes in its leadership team to enhance governance and support its growth strategy. The company appointed Mr. Rajeev Sardana as an Additional Non-Executive Independent Director and Mr. Sanjay Garyali as a Whole Time Director, both bringing extensive experience in financial services. Additionally, Mr. Vikrant Sadana and Mr. Nishant Monga have been appointed as Company Secretary & Compliance Officer and Chief Compliance Officer, respectively. The company also noted the resignations of Mr. Deepak Madaan and Mr. Vikas Jagdish Jajoo, expressing appreciation for their contributions.

Fusion Finance Ltd Strengthens Leadership Team with Key Appointments
Aug 17, 2025

Fusion Finance Ltd has announced significant changes in its leadership team to enhance its board’s capabilities and governance. The company appointed Mr. Rajeev Sardana as an Additional Non-Executive Independent Director and Mr. Sanjay Garyali as an Additional Director designated as Whole Time Director, subject to shareholder approval. Additionally, Mr. Vikrant Sadana and Mr. Nishant Monga have been appointed as Company Secretary & Compliance Officer and Chief Compliance Officer, respectively. These changes are aimed at bolstering the company’s governance and compliance as it enters its next growth phase.

Fusion Finance Ltd Announces Key Leadership Changes
Aug 17, 2025

Fusion Finance Ltd has announced significant changes in its management team to strengthen its leadership and governance. The company appointed Mr. Rajeev Sardana as an Additional Non-Executive Independent Director and Mr. Sanjay Garyali as a Whole Time Director, both bringing extensive experience in financial services. Additionally, Mr. Vikrant Sadana and Mr. Nishant Monga have been appointed as Company Secretary and Chief Compliance Officer, respectively, to enhance compliance and risk management. The company also acknowledged the resignations of Mr. Deepak Madaan and Mr. Vikas Jagdish Jajoo, expressing gratitude for their contributions.

Fusion Finance Ltd Announces ESOP Grant to Employees
Aug 17, 2025

Fusion Finance Limited has announced the approval of 150,000 stock options granted to eligible employees under its Fusion Employee Stock Option Plan 2023. This move, approved by the Nomination and Remuneration Committee, is in compliance with SEBI regulations and aims to enhance employee engagement and retention, potentially impacting the company’s operational dynamics and stakeholder interests positively.

Fusion Finance Appoints New Deputy COO for MSME Business
Aug 11, 2025

Fusion Finance Limited has announced the appointment of Mr. Jitender Sharma as the Deputy Chief Operating Officer for their MSME Business, effective August 11, 2025. Mr. Sharma brings over 17 years of experience in the banking and finance sector, having previously held leadership roles at Kotak Mahindra Bank and other major financial institutions, which is expected to strengthen Fusion Finance’s operations and market positioning.

Fusion Finance Releases Q1 FY26 Earnings Presentation
Aug 10, 2025

Fusion Finance Limited has announced the submission of its Earnings Presentation for the quarter ended June 30, 2025. The presentation, which includes unaudited financial results, was approved during a board meeting and is now available on the company’s website. This announcement highlights the company’s commitment to transparency and regulatory compliance, potentially impacting its market perception and stakeholder confidence.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Oct 29, 2025