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Earnings Call Transcript

Fusion Finance Earnings Call Transcript: Key Takeaways

Q2 FY27 profit of ₹86 Cr versus a prior loss, with AUM at ₹8,007 Cr (+14% YoY). Management conceded the ₹10,000 Cr AUM target will likely slip because of floods.

Highlights
Revenue growthDisbursements +33% YoY, flat QoQ; AUM +14% YoY.
MarginsNIM 12.52%, up 167 bps YoY; further 15-20 bps expansion guided.
Demand visibilityQ3 disbursements early-tracking 10-12% above prior-quarter average.
Management confidenceBalanced-to-confident; AUM target conceded to moderate due to floods.

Growth

Disbursements ₹1,726 Cr (+33% YoY, flat QoQ); NIM 12.52% (+167 bps YoY); PPOP ₹125 Cr (+40% YoY).

Outlook

Q3 disbursements tracking 10–12% above prior-quarter average; FY27 credit cost guided 2–2.5%; NIM expansion of 15–20 bps next quarter.

Risks

Flood-hit Maharashtra (~2% of book) collection at 98.84%; AUM target delayed; ₹54 Cr ARC sale flatters gross NPA (2.28% without it).

Source

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

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Fusion Finance Ltd: key numbers

Share price
₹132.74
Market cap
₹2,147 Cr
Revenue (annual)
₹1,699 Cr
Net profit (annual)
₹13.85 Cr
P/E (TTM)
12.7×Sector 19.8×
Promoter holding
51.76%-2.20% QoQ
FII holding
5.29%Current quarter

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

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