Fusion Finance Ltd (IN:FUSION)
:FUSION
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Fusion Finance Ltd
(FUSION)
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Rating:48Neutral
Price Target:
₹161.00
▼(-0.59% Downside)
Action:Reiterated
Date:05/19/26
The score is held back primarily by volatile financial performance (sharp earnings swings, 2026 revenue decline, elevated leverage, and uneven cash flow durability) and a very high P/E valuation. Technicals are comparatively supportive with positive momentum and neutral-to-positive oscillators, but they do not fully offset the fundamental and valuation risks.
Positive Factors
Deleveraging & equity improvement
Meaningful deleveraging in 2026 improved capital structure and reduces near-term refinancing pressure. A lower leverage baseline enhances financial flexibility, improves ability to withstand credit cycles, and supports longer-term investment and strategic optionality if the trend continues.
Negative Factors
Elevated leverage remains
Persistently high debt levels keep the company sensitive to interest-rate and credit-market swings, constraining capital allocation and increasing default risk during downturns. Elevated leverage can force higher financing costs and limit strategic flexibility even after partial deleveraging.
Read all positive and negative factors
Positive Factors
Negative Factors
Deleveraging & equity improvement
Meaningful deleveraging in 2026 improved capital structure and reduces near-term refinancing pressure. A lower leverage baseline enhances financial flexibility, improves ability to withstand credit cycles, and supports longer-term investment and strategic optionality if the trend continues.
Read all positive factors
Fusion Finance Ltd (FUSION) vs. iShares MSCI India ETF (INDA)
Market Cap
₹29.21B
Dividend YieldN/A
Average Volume (3M)38.51K
Price to Earnings (P/E)207.5
Beta (1Y)1.82
Revenue Growth-26.86%
EPS Growth99.25%
CountryIN
Employees13,807
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)-123.71
Shares Outstanding161,683,990
10 Day Avg. Volume11,897
30 Day Avg. Volume38,509
Financial Highlights & Ratios
PEG Ratio-1.36
Price to Book (P/B)0.77
Price to Sales (P/S)1.09
P/FCF Ratio5.17
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)17.6
Revenue Forecast (FY)₹13.78B
Fusion Finance Ltd Business Overview & Revenue Model
Company Description
Fusion Micro Finance Limited is an Indian non-banking financial institution (NBFI) dedicated to delivering microfinance solutions. It primarily serves women entrepreneurs located in rural and semi-urban parts of India. The company offers a diverse...
Fusion Finance Ltd Financial Statement Overview
Summary
Income Statement
54
Neutral
Balance Sheet
46
Neutral
Cash Flow
41
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 19.23B | 17.32B | 21.29B | 20.87B | 15.90B | 10.57B |
| Gross Profit | 6.47B | 11.75B | 7.97B | 9.31B | 6.59B | 3.59B |
| EBITDA | -12.76B | -533.30M | -11.20B | 6.73B | 5.20B | 306.85M |
| Net Income | -12.81B | 138.50M | -12.25B | 5.05B | 3.87B | 217.55M |
Balance Sheet | ||||||
| Total Assets | 74.25B | 82.95B | 82.93B | 117.74B | 93.64B | 72.90B |
| Cash, Cash Equivalents and Short-Term Investments | 7.87B | 20.05B | 8.88B | 16.11B | 11.18B | 11.58B |
| Total Debt | 52.66B | 55.71B | 64.02B | 86.16B | 67.78B | 57.76B |
| Total Liabilities | 54.81B | 58.39B | 66.49B | 89.26B | 70.42B | 59.53B |
| Stockholders Equity | 16.43B | 24.56B | 16.43B | 28.48B | 23.22B | 13.38B |
Cash Flow | ||||||
| Free Cash Flow | 5.57B | 3.67B | 14.37B | -13.70B | -16.71B | -16.47B |
| Operating Cash Flow | 5.59B | 3.68B | 14.48B | -13.50B | -16.63B | -16.41B |
| Investing Cash Flow | 6.83B | 8.51B | 744.00M | 314.80M | 178.50M | 184.83M |
| Financing Cash Flow | -22.44B | -666.30M | -22.14B | 18.43B | 15.84B | 14.18B |
Fusion Finance Ltd Technical Analysis
Positive
161.95
Price Trends
179.17
Positive
177.04
Positive
175.57
Positive
Market Momentum
-2.92
Negative
53.61
Neutral
80.64
Negative
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 161.95 is below the 20-day moving average (MA) of 174.59, below the 50-day MA of 179.17, and below the 200-day MA of 175.57, indicating a bullish trend. The MACD of -2.92 indicates Negative momentum. The RSI at 53.61 is Neutral, neither overbought nor oversold. The STOCH value of 80.64 is Negative, 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | ₹27.59B | 15.06 | ― | 0.33% | 13.89% | 12.56% | |
68 Neutral | ₹35.11B | 28.40 | ― | 0.92% | 6.45% | 18.85% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | ₹20.10B | 6.31 | ― | ― | -18.77% | 47.18% | |
64 Neutral | ₹21.81B | 23.51 | ― | 1.88% | -14.93% | -51.92% | |
63 Neutral | ₹54.06B | 22.17 | ― | 0.29% | 22.32% | 17.78% | |
48 Neutral | ₹29.21B | 207.52 | ― | ― | -26.86% | 99.25% |
* Financial Sector Average
IN:FUSION
Fusion Finance Ltd
177.75
-19.85
-10.05%
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-0.36
-0.45%
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35.09
11.34%
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90.95%
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31.41
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71.73%
Fusion Finance Ltd Corporate Events
Fusion Finance Schedules Mumbai Investor and Analyst Meetings in June 2026
Jun 5, 2026
Fusion Finance Limited has announced that its management will meet a group of investors and analysts in one-to-one and group sessions in Mumbai between June 9 and June 11, 2026, as part of its ongoing investor relations efforts. The company emphas...
Fusion Finance Wins ITAT Ruling as Rs 16.62 Crore Tax Demand Is Scrapped
Jun 2, 2026
Fusion Finance Limited has announced that the Income Tax Appellate Tribunal in New Delhi has dismissed an appeal filed by the Income Tax Officer concerning tax treatment on interest payments to foreign non-convertible debenture holders for assessm...
Fusion Finance Resolves Depository Issue, Wins Trading Nod for Rights Issue Shares
Apr 6, 2026
Fusion Finance Limited has received trading approval for 3,626 equity shares that were converted from partly paid-up to fully paid-up equity shares through a rights issue, resolving an earlier rejection by depositories during the corporate action ...
Fusion Finance penalised for past board non-compliance, says issue resolved
Mar 16, 2026
Fusion Finance Ltd has disclosed that it received an order from the Registrar of Companies, Delhi, imposing a penalty for past non-compliance with Section 152(6) of the Companies Act, 2013, relating to the required number of non-independent direct...
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.