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Earnings Call Transcript

Fusion Finance Earnings Call Transcript: Key Takeaways

Fusion Finance reports a recovery driven by normalized credit costs and portfolio restructuring, achieving a PBT of 62.4 crore. Management is pivoting toward MSME and individual loans to diversify beyond traditional microfinance.

Guidance and delivery
Management target Revenue 25.0% FY27
Highlights
Revenue growthAUM grew 4% sequentially; disbursements up 88% year-on-year.
MarginsNIM improved to 11.93% from 10.29% YoY.
Demand visibilityStrong demand in MFI and MSME segments across rural markets.
Management confidenceConfident, highlighting sequential profitability improvement and robust collection efficiency.

Growth

Disbursements surged 88% YoY; AUM grew 4% sequentially to 7,702 crore. Quality improved with GNPA dropping to 2.51%.

Outlook

Targeting 10,000 crore AUM by FY27 with a 20-25% CAGR growth trajectory.

Risks

Heavy exposure to rural microfinance remains vulnerable to climate events like El Niño; high client concentration risks.

Source

Earnings Call Transcript filed with BSE, NSE: FUSION. Summary written with AI assistance from the document.

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Fusion Finance Ltd: key numbers

Share price
₹177.14
Market cap
₹2,865 Cr
Revenue (annual)
₹1,699 Cr
Net profit (annual)
₹13.85 Cr
P/E (TTM)
17.0×Sector 22.0×
Promoter holding
53.96%-0.59% QoQ
FII holding
4.77%Current quarter

Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.

More from Fusion Finance Ltd

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18:19 IST NSE
Management Change

Fusion Finance Management Change

Fusion Finance Limited announced the resignation of Ms. Priyanka Seth Wadhera as Chief Strategy Officer and Senior Managerial Personnel, effective September 25, 2026.

16:41 IST BSE
Debt & Borrowing

Fusion Finance Debt & Borrowing

Fusion Finance has provided an undertaking to address and resolve any trades or queries related to its non-convertible debentures (ISIN INE139R07449) during the redemption period.

16:30 IST BSE
Debt & Borrowing

Fusion Finance Debt & Borrowing: ₹40 Cr

Fusion Finance Ltd has successfully completed a partial redemption of its non-convertible debentures, paying ₹40 Crore on the due date.

Value
₹40.00 Cr
16:28 IST BSE
Debt & Borrowing

Fusion Finance Debt & Borrowing: ₹13.15 Cr

Fusion Finance confirmed the payment of ₹13.15 Crore as interest on its non-convertible debentures. This follows the scheduled payout for the specified NCD series.

Value
₹13.15 Cr
16:24 IST BSE
Debt & Borrowing

Fusion Finance Debt & Borrowing: ₹53.15 Cr

Fusion Finance Limited has paid interest of ₹13.15 Crore and completed a partial principal redemption of ₹40.00 Crore on its non-convertible debentures, totaling ₹53.15 Crore.

Value
₹53.15 Cr
11:55 IST BSE
Management Change

Fusion Finance Management Change

Fusion Finance appointed Chinmayi Trivedi as CHRO, replacing Pooja Mehta who resigned to pursue new opportunities, effective 15 September 2026.