Fusion Micro Finance Limited

NSE

FUSION

Stock

Yield per half year: +10.71%
Dividend yield: 0%
Sector: Financials

Reporting Fusion Micro Finance Limited

Capitalization

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд ₹							36.93	52.37		54.68	44.65	19.08
Выручка, млрд ₹	0.6414	2.01	2.67	200.47	531.89	659.57	5.73	15.9	20.87	20.87	246.79	-47.67
Чистая прибыль, млрд ₹	0.1309	0.0482	-0.536	41.77	56.96	35.96	0.1179	3.87	5.05	5.05	20.39	-38.41
EV, млрд ₹				1 835.44	1 991.84	2 632.44	25.82	93	118.09	118.09	972.24	-43.17
EBIT, млрд ₹	0.2196	-0.9902	-1.56	56.53	114.49	203.58	-0.8676	5.13	6.64	6.64	65.79	-43.42
EBITDA, млрд ₹	-0.0033	-0.0032	0.2806	-0.4179	116.6	206.76	2.82	5.2	6.73	6.73	67.62	-43.47
OIBDA, млрд ₹					1.49	2.29	2.38	6.56	9.21	9.21	4.39	43.95
Баланс стоимость, млрд ₹	0.7279	12.18	19.68	521.05	981.09	1 019.93	7.25	23.22	28.48	28.48	411.99	-50.73
FCF, млрд ₹	-2.39	-2.62	-5.99	-1 182.53	-615.83	-655.33	-8.92	-16.71	-13.7	-13.7	-262.0980	-53.29
Операционный денежный поток, млрд ₹	-2.37	-2.58	-5.97	-1 180.22	-613.29	-648.96	-8.89	-16.63	-13.5	-13.5	-260.2540	-53.38
Операционная прибыль, млрд ₹	0.2229	0.016	0.0204	56.95	114.49	203.58	1.38	5.23	7.53	7.53	66.44	-41.98
Операционные расходы, млрд ₹	0.4185	1.03	1.88	143.52	54.03	57.26	0.5662	1.36	1.78	1.78	23.00	-49.47
CAPEX, млрд ₹	0.0195	0.041	0.0239	2.31	2.54	6.37	0.034	0.0753	0.1933	0.1933	1.84	-40.26

	2021Q2	2021Q3	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Капитализация, млрд ₹						36.93				59.31					48.12	26.73
Выручка, млрд ₹					244.45	348.93	382.72	416.43	439.49	5.48	5.39	6.28	6.31	4.41	5.57	-4.25
Чистая прибыль, млрд ₹					10.8	83.85	95.61	101.32	109.32	1.26	1.33	-0.3562	-3.05	-7.19	-1.6012	-241.67
EV, млрд ₹				4 366.75			8 106.22		10 681.34	124.8	117.95	121.52	93.71	79.61	107.52	-8.60
EBIT, млрд ₹					-45.19	132.04	154.95	183.08	183.24	1.95	2.91	2.19	2.11	0.231	1.88	-34.73
EBITDA, млрд ₹					-43.79	133.64	156.86	184.56	185.05	1.97	2.93	2.22	2.13	0.263	1.90	-33.15
OIBDA, млрд ₹										2.65	3.66	4.77	7.29	7.69	5.21	23.75
Баланс стоимость, млрд ₹					15.14	1 260.19	1 938.43	1 952.96	2 241.36	27.09	28.48	28.48	25.23	18.06	25.47	-7.79
FCF, млрд ₹		-4.17	0.0392	-474.21	-253.78	3.25	5.61	0.0191	3.64	0.0476				0.1623	1.90	-50.77
Операционный денежный поток, млрд ₹		-4.15	0.0392	-473.35	-251.76	3.25	5.61	0.0191	3.64	0.0476				0.1758	1.90	-49.97
Операционная прибыль, млрд ₹					-45.19	132.04	154.95	183.08	183.24	1.95	2.05	2.19	2.11	0.231	1.71	-34.73
Операционные расходы, млрд ₹					38.64	24.98	30	30.34	34.08	0.3965	0.6319	0.5012	0.5204	0.529	0.5158	5.94
CAPEX, млрд ₹	0.6154	0.0157		0.856	2.02									0.0135	0.7041	-53.42

	5 quarters average	CAGR 5

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд ₹	0.6167	1.73	4.95	602.74	441.63	994.62	5.48	9.5	14.75	14.75	293.20	-49.33
Short Term Investments ₹		2.27	0.1125	194.02	204.87	72.74	0.853	1.15	0.785	0.785	56.08	-67.14
Total Receivables ₹		6.24	9	6.1	21.06	25.26	0.3713	1.05	61.61	61.61	21.87	23.95
Total Current Assets ₹	0.6167	1.67	5.06	602.74	2 308.29	3 357.96	26.27	62.21	78.04	78.04	1166.55	-49.21
Чистые активы, млрд ₹					2 273.68	3 307.61	3 967.73	7 495.38		3 973.21	4261.10	34.75
Активы, млрд ₹	6.12	3.2	6.02	3 005.92	3 469.73	4 777.38	39.5	93.64	117.74	117.74	1699.60	-49.17
Short Term Debt ₹		6.18	10.02	1 301.4	927.15	1 253.67	12.35	25.6	32.43	32.43	450.24	-48.86
Long Term Debt ₹						29.23	34.97	42.18	53.73	53.73	40.03	16.44
Задолженность, млрд ₹	5.39	0.3426	0.4208	2 484.86	2 488.64	3 757.44	32.25	70.42	89.26	89.26	1287.60	-48.60
Чистый долг, млрд ₹	2.02	-1.57	-4.77	1 835.44	1 991.84	2 632.44	25.82	58.28	71.41	71.41	955.96	-48.61
Долг, млрд ₹				2 438.18	2 433.47	3 627.06	31.3	67.78	86.16	86.16	1249.15	-48.74
Расходы на обслуживание долга ₹				211.16	32.66	0.4337	0.0048	0.0102	0.0099	0.0099	6.62	-80.22
Goodwill ₹		0.1065	0.2485	0.2388	0.3465	0.8583	1.1	1.05			0.7187	34.47
Амортизация, млрд ₹	-0.2229	0.9869	1.84	-56.95	2.15	3.25	3.68	0.0741	0.0901	0.0901	1.85	-46.98
Себестоимость, млрд ₹		0.016	0.0204	0.0275	4.68	5.24	3.78	9.31	11.55	11.55	6.91	19.80
Товарно материальные запасы ₹		-20.76	-28.69	824.63	1 625.04	2 239.77	19.53	79.81		6 672.17	957.76	-37.32

	2018Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Наличность, млрд ₹					827.64	551.4	9.17		793.4		1 218.06	13.58	14.75	15.9	17.93	11.35	14.70	-3.52
Short Term Investments ₹					130.78	105.86	1.13		95.73		52.8	0.6059	0.785	0.6043	0.575	0.6608	0.6462	1.75
Total Receivables ₹			0.0336		0.6852		0.0609		87.88		10.8		0.1385		91.52	0.0933	38.09	-74.58
Total Current Assets ₹	5.06			48.49	4 028.12	4 083.17	10.3		7 646.58		8 874.47	14.18	78.04		110.07		3344.67	-57.18
Чистые активы, млрд ₹					3 967.73	4 021.95			7 495.38								5161.69	23.62
Активы, млрд ₹					5 966.04	6 231.8	82.9		7 817.06		9 073.32	110.57	117.74	122.54	114.81	93.87	111.91	-3.22
Short Term Debt ₹				22.79	1 893.16	1 892.51			2 137.41				52.84				1199.74	18.32
Long Term Debt ₹													53.73		86.41		70.07	26.82
Задолженность, млрд ₹					4 871.15	5 072.66	67.76		5 878.63		6 831.96	83.48	89.26	94.36	89.58	75.8	86.50	-1.91
Чистый долг, млрд ₹					3 898.9	4 366.75	56.3		4 865.48		5 329.55	66.66	71.41	75.33	68.48	61.75	68.73	-1.52
Долг, млрд ₹					4 726.54	4 918.16			5 658.88		6 547.61	80.24	86.16	91.23	86.41	73.11	83.43	-1.84
Расходы на обслуживание долга ₹		0.1236			0.0025	0.2038	57.99	22.51	28.11								21.76	545.93
Амортизация, млрд ₹							1.42	1.63	1.92	1.48	1.82	0.0238	0.0278	0.0236	0.0285	0.032	0.0271	6.10
Себестоимость, млрд ₹							2.37	2.52	2.64	236.62	252.49	3.13	2.71	3.59	3.68	3.65	3.35	3.12
Товарно материальные запасы ₹					36.05				6 662.73								3349.39	1259.48

Share

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS				870.13	566.07	357.35	1.43	43.13	50.11		50.11	203.62	-38.42
Цена акции ао							364.2	576.4	177.44	193.67	193.67	327.93	-14.61
Число акций ао, млн	33.86	41.97	41.97	3996.21	8360.23	8360.23	44.66	89.76	100.84		100.84	3391.14	-58.67
FCF/акцию	-70.49	-62.42	-142.78	-295.91	-74.78	-79.58	-199.83	-186.12	-135.83		-135.83	-135.2280	12.68

	2015Q4	2016Q4	2017Q4	2018Q4	2021Q4	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	5 quarters average	CAGR 5
EPS							116.98	908.35	952.8	1003.43	1081.14	12.51	13.2	-3.54	-30.31	-71.46			-15.9200	-241.70
Цена акции ао								368.18	401.26	472.6	609.95	586.79					136.85	193.67	399.97	-16.34
Число акций ао, млн	19.14	33.86	41.97	41.97	100.63			100.29				101.08							77.19	19.22
FCF/акцию						-57.58		0.3897	0.6699	0.3486	0.4134	0.4709				1.61			0.7026	19.17

Efficiency

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %	17.98	0.3952	-2.72	15.38	5.81	3.59	1.68	21.16	19.55		19.55	16.86	10.36	27.47
ROA, %	2.14	1.5	-8.9	1.8	1.64	0.8721	0.3314	4.65	4.78		4.78	4.25	2.45	23.86
ROS, %		2.4	-20.05	13.83	10.71	5.45	2.06	24.35	24.22	24.22	24.22	55.44	16.06	34.76
ROCE, %		-34.61	-27.81	1.9	4.57	5.95	-3.3	7.83	8.07	23.32	8.07	24.54	8.37	31.41
Ebit margin, %					-22.38	0.1438	-15.14	32.26	31.83	31.83	31.83		16.18	194.45
Рентаб EBITDA, %		-0.1616	10.5	-0.21	21.92	31.35	49.21	32.73	32.27	32.27	32.27	62.66	35.57	0.58
Чистая рентаб, %	20.4	2.4	-20.05	20.83	10.71	5.45	2.06	24.35	24.22		24.22	55.44	13.36	17.73
Operation Margin, %		0.7972	0.7634	0.4828	21.52	26.27	24.08	32.88	36.09	36.09	36.09	57.78	31.08	6.56
Доходность FCF, %							-44.6	-31.9					-38.2500	-15.43

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q2	Industry average	5 quarters average	CAGR 5
ROE, %			6.28	7.2	7.3	5.19	6.13	5.42	5.21	-1.33	-11.14	-27.46		16.86	-5.8600	-238.34
ROA, %	0.181	1.01	1.15		2.45		2.41	1.18	1.16	-0.2965	-2.57	-6.89		4.25	-1.4833	-242.32
ROS, %				24.03	24.98	24.33	24.87	23.09	24.64	-5.67	-48.38	-163.17	24.22	55.44	-33.6720	-0.34
ROCE, %		2.08	10.92		2.45		2.15	2.09	2.94	2.1	1.96	0.2239	23.32	24.54	6.11	51.31
Ebit margin, %							41.69	35.54	53.97	34.91	33.41	5.24	31.83		31.87	-10.02
Рентаб EBITDA, %				38.3	40.99	44.32	42.11	35.98	54.48	35.29	33.86	5.97	32.27	62.66	32.37	-9.94
Чистая рентаб, %			4.42	24.03	24.98	24.33	24.87	23.09	24.64	-5.67	-48.38	-163.17		55.44	-33.8980	-247.86
Operation Margin, %				37.84	40.49	43.96	41.69	35.54	38.04	34.91	33.41	5.24	36.09	57.78	29.54	-1.05
Доходность FCF, %				0.1058				0.0803							0.0930	-12.88

	Industry average	5 quarters average	CAGR 5

Coefficients

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E						169.74	8.97	9.24		9.24	36.27	62.65	-62.10
P/BV						2.76	1.5	1.64		1.64	3.47	1.97	-15.93
P/S						3.49	2.18	2.24		2.24	11.13	2.64	-13.74
P/FCF						-2.24	-0.0394	-7.37	-3.99	-3.99	9.16	-3.4099	15.53
E/P						0.0059	0.0739	0.0501	0.0924	0.0924	0.14	0.0556	98.93
EV/EBIT				-16.74	2778.13	-29.76	18.13	17.78	17.78	17.78		560.41	-63.59
EV/EBITDA			-4391.67	17.08	12.73	9.17	17.87	17.54		17.54	37.90	14.88	0.53
EV/S				3.74	3.99	4.51	5.85	5.66	5.66	5.66	13.64	5.13	7.24
EV/FCF				-3.23	-4.02	-2.89	-5.57	-8.62	-8.62	-8.62	11.75	-5.9440	16.48
Debt/EBITDA				20.87	17.54	11.1	13.03	12.8	12.8	12.8	17.05	13.45	-6.11
Netdebt/Ebitda	484.26	-16.99	1485.31	17.08	12.73	9.16	11.2	10.61	10.61	10.61	-0.36	10.86	-3.58
Debt/Ratio				0.7013	0.7592	0.7924	0.7239	0.7318	0.7318	0.7318	0.30	0.7478	-0.73
Debt/Equity				2.48	3.56	4.32	2.92	3.03	3.13	3.03	7.29	3.39	-2.54
Debt/Net Income				42.72	100.86	265.48	17.51	17.05	17.05	17.05	13.96	83.59	-29.92
PEG									-0.0275	-0.0275		-0.0275	0.00
Бета							-0.7022	6.04	-0.2328	-0.2328	1.32	1.70	-30.79
Индекс Альтмана							0.7319	62.94	34.21	34.21	1.01	32.63	260.22

	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
P/E			18.22	10.04	12.86	13.23	11.59	9.25						36.27	11.39	-1.63
P/BV			2.44	1.67		2.39	2.15	1.63	1.64	0.9999	0.9887			3.47	1.48	-14.39
P/S			3.28	2.4	3.12	3.25	2.86	2.24	2.08	1.08	0.7976			11.13	1.81	-22.54
P/FCF			944.9				1246.05						-3.99	9.16	728.99	-116.16
E/P			0.0277				0.0213						0.0924	0.14	0.0471	49.42
EV/EBIT						58.29	64.11	40.58	55.4	44.49	344.65		17.78		100.58	-15.21
EV/EBITDA	47.58			15.57		15.68	17.92	13.91	13.65	10.12	10.55			37.90	13.23	-10.05
EV/S						24.3	22.79	21.9	19.34	14.86	18.06		5.66	13.64	15.96	-23.71
EV/FCF						2934.43	2621.8				490.54		-8.62	11.75	1509.54	-123.28
Debt/EBITDA	56.94			36.07		35.38	40.72	29.36	41.15	40.48	277.98		12.8	17.05	80.35	-15.30
Netdebt/Ebitda	50.55	33.72		31.02		28.8	33.83	24.33	33.97	32.08	234.8		10.61	-0.36	67.16	-15.29
Debt/Ratio						0.7216	0.7257	0.7318	0.7445	0.7527	0.7789		0.7318	0.30	0.7479	0.00
Debt/Equity						2.92	2.96	3.03	3.2	3.43	4.05		3.13	7.29	3.37	0.65
Debt/Net Income						59.89	63.45	64.93	-256.12	-28.33	-10.16		17.05	13.96	-42.5260	-23.47
PEG													-0.0275		-0.0275	0.00
Бета												2.8	-0.2328	1.32	1.28	-128.83
Индекс Альтмана												34.22	34.21	1.01	34.22	-0.01

	Industry average	5 quarters average	CAGR 5

Dividends

IFRS

Reporting Annual

	2014	2016	2017	2018	2019	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	0.0026	0.0026	0.0016	0.3463	0.005			0.0716	13.97
Дивиденд						0
Див доход, ао, %						0	1.31
Дивиденды / прибыль, %	8.58	1.99	3.37	-0.6062	0.8292	0	18.58	2.83	-37.33

	Industry average	5 quarters average	CAGR 5

	Industry average	5 quarters average	CAGR 5

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Other

IFRS

Reporting Annual Quarterly

	2020	2021	2022	2023	2024	LTM	CAGR 5
CAPEX/Выручка, %	0.4266	0.966	0.5945	0.4733	0.9264	0.9264	16.78
Персонал, чел				10 363	10 363		0.00

	2024Q4	CAGR 5
CAPEX/Выручка, %	0.3062	0.00

	CAGR 5