Fusion Finance
NSE: FUSION · Microfinance Institutions
Snapshot
Unlock Fusion Finance's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Fusion Micro Finance Limited is a non-banking financial company that provides microfinance lending services to women entrepreneurs in rural and semi-urban areas of India. The company offers a range of financial products, including unsecured and secured business loans, machinery loans, and small-value collateral-free loans.
Business Model
The company generates revenue primarily through interest income earned on its microfinance loan portfolio. It operates through an extensive network of branches to facilitate credit access for underserved segments.
- Branch Network:934
Growth Outlook
Growth is driven by the expansion of the branch network and the increasing demand for credit among women entrepreneurs in semi-urban and rural markets. The company continues to leverage its established operational footprint to deepen market penetration.
Key Risks
- Credit Risk. The company faces potential losses from defaults on unsecured microfinance loans provided to rural and semi-urban borrowers.
- Regulatory Risk. Changes in Reserve Bank of India (RBI) regulations regarding microfinance lending practices could impact operational margins and compliance costs.
- Interest Rate Risk. Fluctuations in interest rates may affect the cost of funds and the company's ability to maintain competitive lending spreads.
- Geographic Concentration. Operating primarily in specific rural and semi-urban regions exposes the company to localized economic downturns or regional socio-political instability.
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Key Metrics
REVENUE
₹1,714 Cr
TTM · standalone
NET PROFIT
₹169 Cr
TTM · standalone
EPS
₹10.28
TTM · standalone
RETURN ON EQUITY
8.2%
TTM · standalone
P/E
19.8x
Q1 FY27 · standalone
EBITDA MARGIN
37.3%
TTM · standalone
NET PROFIT MARGIN
13.6%
Q1 FY27 · standalone
Peers · Microfinance Institutions
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Fusion FinanceFUSION | ₹3,285 Cr | 19.77 | — | -17.0% | 37.3% | 8.2% | — | +19.7% |
CreditAccess Grameen Ltd.CREDITACC | ₹23,125 Cr | 19.08 | — | 11.9% | 57.1% | 16.4% | 24.0% | +6.4% |
Muthoot Microfin LimitedMUTHOOTMF | ₹3,500 Cr | 14.02 | — | 0.8% | 51.0% | 8.9% | — | +21.9% |
Satin Creditcare Network LimitedSATIN | ₹2,439 Cr | 5.93 | — | 20.5% | 57.0% | 15.2% | 89.1% | +50.7% |
Spandana Sphoorty Financial LimitedSPANDANA | ₹1,710 Cr | -5.64 | — | -48.5% | 7.4% | -13.7% | — | -9.0% |
As of Q1 FY27
Financials
Fusion Finance
NSE: FUSION · Microfinance Institutions
Snapshot
Unlock Fusion Finance's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Fusion Micro Finance Limited is a non-banking financial company that provides microfinance lending services to women entrepreneurs in rural and semi-urban areas of India. The company offers a range of financial products, including unsecured and secured business loans, machinery loans, and small-value collateral-free loans.
Business Model
The company generates revenue primarily through interest income earned on its microfinance loan portfolio. It operates through an extensive network of branches to facilitate credit access for underserved segments.
- Branch Network:934
Growth Outlook
Growth is driven by the expansion of the branch network and the increasing demand for credit among women entrepreneurs in semi-urban and rural markets. The company continues to leverage its established operational footprint to deepen market penetration.
Key Risks
- Credit Risk. The company faces potential losses from defaults on unsecured microfinance loans provided to rural and semi-urban borrowers.
- Regulatory Risk. Changes in Reserve Bank of India (RBI) regulations regarding microfinance lending practices could impact operational margins and compliance costs.
- Interest Rate Risk. Fluctuations in interest rates may affect the cost of funds and the company's ability to maintain competitive lending spreads.
- Geographic Concentration. Operating primarily in specific rural and semi-urban regions exposes the company to localized economic downturns or regional socio-political instability.
Start your research today
Unlock AI insights, financials, peers and live data on Fusion Finance and 5,000+ companies — free.
Key Metrics
REVENUE
₹1,714 Cr
TTM · standalone
NET PROFIT
₹169 Cr
TTM · standalone
EPS
₹10.28
TTM · standalone
RETURN ON EQUITY
8.2%
TTM · standalone
P/E
19.8x
Q1 FY27 · standalone
EBITDA MARGIN
37.3%
TTM · standalone
NET PROFIT MARGIN
13.6%
Q1 FY27 · standalone
Peers · Microfinance Institutions
As of Q1 FY27