Fusion Micro Finance
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Fusion Micro Finance share price

Fusion Micro Finance Ltd.

NSE: FUSION BSE: 543652 SECTOR: Finance - NBFC  72k   71   16

175.00
+0.65 (0.37%)
BSE: 20 Dec 04:01 PM

Price Summary

Today's High

₹ 181.1

Today's Low

₹ 173.75

52 Week High

₹ 674

52 Week Low

₹ 160.65

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsVery Stable
The company possesses stable growth history and sound margins.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 1767.92 Cr.

Advances

₹ 9947.87 Cr.

No. of Shares

10.1 Cr.

P/E

0

P/B

0.7

Face Value

₹ 10

Div. Yield

0 %

Book Value (TTM)

₹  249.75

Operating Revenue

₹ 2316.73 Cr.

Net Profit

₹ 505.29 Cr.

Promoter Holding

57.71 %

EPS (TTM)

₹  -8.07

Sales Growth

33

ROE

19.65 %

ROCE

14.14%

Profit Growth

30.52 %

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* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

View Full Peer Comparison
* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

Track the companies of Group.

Ratios

Income Growth

1 Year33%
3 Year39.37%
5 Year36.65%

Profit Growth

1 Year30.52%
3 Year125.71%
5 Year50.54%

ROE%

1 Year19.65%
3 Year14.21%
5 Year10.78%

ROCE %

1 Year14.14%
3 Year12.23%
5 Year11.44%

ROA%

4.8195

PEG Ratio

NA

PAT Margin (%)

21.8105

EPS Growth(%)

30.1651

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Sep 2024 57.71 4.48
Jun 2024 57.71 2.78
Mar 2024 57.71 2.78
Dec 2023 57.70 2.78
Sep 2023 67.92 2.36
Investors List
* Figures given above are % of equity capital

 Strengths

  • Company has maintained a good ROA of 3.2836% in last 3 years.
  • The company is trading at 1.6459 times the book value
  • Operating Income has grown well for the company over past 3 years: 3 years CAGR 39.368376801988%.
  • The company has delivered substantial profit growth of 125.708045019147% over past 3 years.
  • The company boasts a well-maintained advances growth ratio of 31.6407358302832%.

 Limitations

  • Provision and contingencies have increased by 81.0585498255138%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Operating Revenue 546.64 593.03 645.99 688.32 691.55
Other Income 24.62 20.21 29.15 18.36 12.16
Interest Expended 191.01 201.46 214.88 223.41 227.36
Operating Expenses 212.57 242.9 285.77 531.63 883.71
Total Provisions 0 0 0 0 0
Depreciation 2.09 2.38 2.78 2.36 2.85
Profit Before Tax 165.59 166.5 171.71 -50.72 -410.21
Tax 39.9 40.05 39.02 -15.1 -105.17
Net Profit 125.69 126.45 132.69 -35.62 -305.04
Adjusted EPS (RS) 12.51 12.58 13.19 -3.54 -30.31

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Operating Income 720.26 855.81 1151.27 1741.92 2316.73
Other Income 10.05 17.28 54.47 65.9 95.69
Interest 337.67 375.1 500.35 650.63 790.83
Operating Expenses 194.94 217.13 308.7 438.89 584.77
Total Provisions 97.7 224.07 372.26 206.32 373.56
Exceptional Items 0 0 0 0 0
Profit Before Tax 100 56.79 24.43 511.98 663.26
Tax 30.39 12.85 2.67 124.83 157.97
Profit After Tax 69.61 43.94 21.76 387.15 505.29
Adjusted EPS (Rs.) 8.82 5.56 2.63 38.58 50.22

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity and Liabilities
Share Capital 78.95 79.04 82.76 100.35 100.62
Total Reserves 1119.94 1167.32 1255.19 2221.57 2747.53
Borrowings 2733.81 4054.79 5641.42 6778.4 8615.9
Other N/C liabilities -30.5 -72.26 -86.76 -77.74 -91.67
Current liabilities 307.3 532.52 311.11 263.22 310.27
Total Liabilities 4209.49 5761.41 7203.73 9285.8 11682.65
Assets
Loans 3342.97 4360.73 5918.19 8041.56 9947.87
Net Block 6.05 18.28 19.19 20.96 31.44
Capital WIP 0 0 0 0.25 0
Intangible WIP 0 0 0 0 2.18
Investments 0.5 0 0 0 2
Other Loans 13.45 14.31 38.05 44.4 10.23
Other N/C Assets 0 0 2.8 0 0
Current Assets 846.53 1368.08 1225.49 1178.63 1688.93
Total Assets 4209.49 5761.41 7203.73 9285.8 11682.65
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Sep 2023% Dec 2023% Mar 2024% Jun 2024% Sep 2024%
promoters 67.92 57.70 57.71 57.71 57.71
creation investments fusi... 9.85 9.85 9.85 9.85 9.85
creation investments fusi... 13.78 9.93 9.93 9.93 9.93
devesh sachdev 4.86 4.88 4.89 4.89 4.89
honey rose investment ltd... 39.22 32.83 32.83 32.83 32.83
mini sachdev 0.21 0.21 0.21 0.21 0.21
PARTICULARS Sep 2023% Dec 2023% Mar 2024% Jun 2024% Sep 2024%
investors 32.08 42.30 42.29 42.29 42.29
aditya birla sun life tru... - 1.67 1.94 1.94 1.33
hdfc mutual fund - 3.10 3.27 3.44 3.93
icici prudential banking ... - - - - 1.14
kotak mahindra life insur... 1.92 2.50 2.50 2.47 2.13
llp 0.14 0.29 0.16 0.09 0.14
nippon life india trustee... - 5.26 4.83 4.83 6.04
mirae asset banking and f... 1.11 1.83 3.18 3.94 -
hdfc life insurance compa... - 1.08 - - -
morgan stanley asia (sing... - 1.55 - - -
sbi banking & financial s... 1.47 1.47 - - -
aditya birla sun life tru... 1.67 - - - -
bnp paribas arbitrage - o... 1.27 - - - -
nippon life india trustee... 5.26 - - - -
the nomura trust and bank... 1.08 - - - -

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

Fusion Finance informs about newspaper publication 7 Dec, 2:18 PM Fusion Finance informs about DLOF approved by board of directors 6 Dec, 9:57 AM Fusion Finance informs about press release 16 Nov, 12:29 PM Fusion Micro Finance - Quaterly Results 15 Nov, 8:43 PM Fusion Finance informs about details of CO and RTA 15 Oct, 3:20 PM Fusion Finance informs about trading window closure 30 Sep, 12:42 PM Fusion Finance informs about newspaper publication 17 Sep, 12:35 PM Fusion Finance informs about investor call 7 Aug, 1:41 PM Fusion Micro Fin. - Quaterly Results 6 Aug, 5:56 PM Fusion Micro Fin. - Quaterly Results 6 Aug, 5:56 PM Fusion Micro Fin. - Quaterly Results 6 Aug, 5:56 PM Fusion Finance informs about certificate 12 Jul, 3:18 PM Fusion Finance informs about certificate 12 Jul, 11:37 AM Fusion Finance informs about details of CO and RTA 12 Jul, 11:28 AM Fusion Micro Finance informs about analyst meet 19 Jun, 12:43 PM Fusion Micro Finance informs about disclosure 10 Jun, 5:18 PM Fusion Micro Finance informs about disclosure 1 Jun, 3:01 PM Fusion Micro Finance informs about investors meet 8 May, 11:49 AM Fusion Micro Fin. - Quaterly Results 6 May, 7:48 PM Fusion Micro Fin. - Quaterly Results 6 May, 7:48 PM Fusion Micro Finance informs about newspaper publication 6 Feb, 1:17 PM Fusion Micro Fin. - Quaterly Results 5 Feb, 7:15 PM Fusion Micro Fin. - Quaterly Results 5 Feb, 7:15 PM Fusion Micro Finance informs about conference call 1 Feb, 5:20 PM Fusion Micro Finance informs about board meeting 15 Jan, 2:27 PM Fusion Micro Finance informs about disclosure 22 Dec, 1:58 PM Fusion Micro Finance informs about analyst meet 28 Nov, 2:22 PM Fusion Micro Fin. - Quaterly Results 6 Nov, 5:46 PM Fusion Micro Fin. - Quaterly Results 6 Nov, 5:46 PM Fusion Micro Fin. - Quaterly Results 2 Aug, 6:32 PM Fusion Micro Fin. - Quaterly Results 2 Aug, 6:32 PM Fusion Micro Finance informs about certificate 11 Jul, 1:15 PM Fusion Micro Finance informs about analyst meet 21 Jun, 9:27 AM Fusion Micro Finance informs about analyst meet 20 Jun, 9:33 AM Fusion Micro Fin. - Quaterly Results 22 May, 7:04 PM Fusion Micro Fin. - Quaterly Results 22 May, 7:04 PM Fusion Micro Finance informs about earnings conference call 18 May, 4:34 PM Fusion Micro Finance informs about PCS certificate 29 Apr, 12:26 PM Fusion Micro Finance’s AUM rises 37% to Rs 9,296 crore 10 Apr, 5:13 PM Fusion Micro Finance informs about earnings call transcript 18 Feb, 10:54 AM Fusion Micro Finance informs about earnings conference call 13 Feb, 9:41 AM Fusion Micro Fin. - Quaterly Results 11 Feb, 6:32 PM Fusion Micro Fin. - Quaterly Results 11 Feb, 6:32 PM Fusion Micro Finance receives Microfinance Organization of the Year Award 18 Jan, 11:07 AM Fusion Micro Finance informs about closure of trading window 31 Dec, 2:30 PM Fusion Micro Finance informs about earnings call transcript 3 Dec, 12:39 PM Fusion Micro Finance gets nod to raise Rs 145 crore via NCDs 29 Nov, 9:27 AM Fusion Micro Fin. - Quaterly Results 28 Nov, 8:54 PM Fusion Micro Fin. - Quaterly Results 28 Nov, 8:54 PM Fusion Micro Finance informs about earnings conference call 26 Nov, 4:01 PM

Fusion Micro Finance Stock Price Analysis and Quick Research Report. Is Fusion Micro Finance an attractive stock to invest in?

Around 2% of India's total population invests in financial assets. The mutual fund industry's penetration in India is close to 7% (Based on the number of PAN cardholders). This under penetration offers a huge opportunity for the industry to grow.

Migration to financial savings, wider distribution and sustainable performance are expected to enable growth in the industry.

Also, increasing financial literacy among investors, digitization and the number of mediums available tend to attract more investors to invest in the financial markets.

Fusion Micro Finance stock price today is Rs 174.27. To understand the functions of the Fusion Micro Finance better, you must go through the following points:

Key Financials –

  • Profitability: Profit margin (PAT margin) of the company shows how well a company controls its cost. It is one of the important indicators to show the financial health of the company. Net profit of Fusion Micro Finance is Rs 505.29 Cr and the compounded growth of profit in the past 3 years is 125.706207600309 %. The PAT margin of Fusion Micro Finance is 21.8105 %.

  • EPS growth: Investors should ensure the EPS figure is growing faster than revenue numbers because it indicates company management is increasing the efficiency with which it runs the company. In Fusion Micro Finance , the EPS grew by 30.1651 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): Fusion Micro Finance has a average ROE track record. The ROE of Fusion Micro Finance is at 19.6475 % for the latest year.

  • P/E Ratio: Relative valuation metrics like the P/E ratio can be used to see if the stock of Fusion Micro Finance is worth at the current levels at Rs 174.27. The stock is trading at a current P/E ratio of 9.2169 and the average historical P/E for the last 5 years was 3.90948.

  • P/B ratio can be one of the best metrics to value such companies. Currently, Fusion Micro Finance is trading at a P/B of 0.7007 . The average historical P/B of Fusion Micro Finance for the last 5 years was 0.67486. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

  • Share Price: - The current share price of Fusion Micro Finance is Rs 174.27. One can use valuation calculators of ticker to know if Fusion Micro Finance share price is undervalued or overvalued.

Last Updated on:
Brief about Fusion Micro Finance

Fusion Micro Finance Ltd. Financials: Check Share Price, Balance Sheet, Annual Report, Quarterly Results, Shareholding, Company Profile and News for Company Analysis

Fusion Micro Finance Ltd. is a microfinance institution that provides financial services to the underserved and economically disadvantaged population in India. The company aims to alleviate poverty and empower women by offering small loans, savings accounts, insurance, and other financial solutions. With a strong focus on social impact, Fusion Micro Finance Ltd. aims to ensure financial inclusion and economic development at the grassroots level.

Fusion Micro Finance Ltd. - Share Price

Stay up-to-date with Fusion Micro Finance Ltd.'s share price on our website. Our pre-built screening tools enable you to track the stock's performance over time. By analyzing the share price movement, you can make informed investment decisions.

Fusion Micro Finance Ltd. - Balance Sheet

Access Fusion Micro Finance Ltd.'s balance sheet on our website. Explore the company's financial position, assets, liabilities, and shareholders' equity. Utilize our premium features like DCF Analysis, BVPS Analysis, Earnings multiple approach, and DuPont analysis to calculate the fair value of the stock.

Fusion Micro Finance Ltd. - Annual Report

Download Fusion Micro Finance Ltd.'s annual report from our website. The annual report provides a comprehensive overview of the company's financial performance, strategic initiatives, and future prospects. Gain insights into the company's operations, key metrics, and growth potential.

Fusion Micro Finance Ltd. - Dividend

Stay informed about Fusion Micro Finance Ltd.'s dividend payouts. The company's dividend history reflects its commitment to delivering value to shareholders. Assess the company's dividend policy and track its dividend yield through our website.

Fusion Micro Finance Ltd. - Quarterly Result

Keep track of Fusion Micro Finance Ltd.'s quarterly results using our website. The quarterly results report provides detailed information on the company's revenue, expenses, profitability, and other key financial indicators. Make use of our premium tools to analyze the data and gain a deeper understanding of the company's performance.

Fusion Micro Finance Ltd. - Stock Price

Stay updated with Fusion Micro Finance Ltd.'s stock price using our website. Our pre-built screening tools enable you to monitor the stock's price movement and identify trends. Access historical data, price charts, and technical indicators to make informed investment decisions.

Fusion Micro Finance Ltd. - Price Chart

Analyze the historical price movement of Fusion Micro Finance Ltd.'s stock through our price charts. Track the stock's performance over different timeframes and identify patterns or trends. Our price charts provide valuable insights for long-term stock investors.

Fusion Micro Finance Ltd. - News

Stay informed about the latest news and developments related to Fusion Micro Finance Ltd. Our website provides timely updates on the company's activities, partnerships, regulatory changes, and other relevant news. Access news articles, press releases, and analyst opinions to stay ahead of the market.

Fusion Micro Finance Ltd. - Concall Transcripts

Access Fusion Micro Finance Ltd.'s concall transcripts on our website. The concall transcripts provide a detailed account of the company's discussions with analysts and investors during earnings calls. Gain insights into management's outlook, strategies, and plans for future growth.

Fusion Micro Finance Ltd. - Investor Presentations

Download Fusion Micro Finance Ltd.'s investor presentations from our website. The investor presentations offer a comprehensive overview of the company's business model, growth strategy, financial performance, and market trends. These presentations are a valuable resource for investors seeking in-depth knowledge about the company.

Fusion Micro Finance Ltd. - Promoters

Learn about Fusion Micro Finance Ltd.'s promoters. Our website provides information about the individuals or entities who have promoted and established the company. Gain insights into the expertise and experience of the promoters, which play a vital role in shaping the company's vision and strategy.

Fusion Micro Finance Ltd. - Shareholders

Stay informed about Fusion Micro Finance Ltd.'s shareholders. Our website provides details about the individuals, institutions, or entities holding significant shares in the company. Understanding the company's major shareholders can provide insights into their confidence in the company's prospects.

Remember to visit our website to access pre-built screening tools and download valuable resources such as annual reports, concall transcripts, investor presentations, credit ratings, and research reports. Our premium features enable you to perform fair value calculations using tools like DCF Analysis, BVPS Analysis, Earnings multiple approach, and DuPont analysis.

Please note that this content is intended for long-term stock investors looking for comprehensive stock analysis. We encourage you to explore the various resources available on our website to make well-informed investment decisions.

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