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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
Fusion Finance Limited is an India-based non-banking financial company, which operates as a micro finance institution. The Company is primarily engaged in providing financial services to underserved and unserved women in rural and semi-rural areas across India. The Company…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A decent, stagnant business, fully valued — but flagged on governance.
Fusion Micro Finance is scored on the nbfc / financials framework. It keeps a thin 0.8% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at -1%/yr and profit at -67%/yr. Book value has been broadly flat (1.9%/yr). Return on equity is a modest 10.6%. In the latest quarter profit fell 45% versus the prior quarter.
At 153× earnings, the stock sits at the 79th percentile of its own 2.6-year range — the expensive end of where it has historically traded. Today's price asks for only ~-2%/yr growth over a decade — undemanding expectations. The forensic screen raises a red flag: Share count up 53% over 4 years — heavy equity dilution.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 9.05 | 11.61 | better |
| P/B | 0.96 | 1.4 | better |
| EV/EBITDA | 8.79 | 13.86 | better |
| ROE | 10.6 | — | — |
| ROCE | 8.82 | — | — |
| ROA | 3.13 | — | — |
| Quick Ratio | 8.1 | 34.9 | worse |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| Bajaj Finance | 30.6 | 5.5 | 17.6% |
| Bajaj Finserv | 13.6 | 3.5 | 12.7% |
| Shriram Finance | 17.8 | 2.0 | 11.4% |
Not applicable for this sector.
Revenue declined 27% in the latest year — a break from prior trajectory. Negative CAGR — the top line has shrunk over this window. Growth is decelerating — latest year grew slower than the year before.
1 of the 4 years shown had a loss — profitability is inconsistent. The latest year saw a +101% swing — check if it's a one-off or structural.
Operating margin has compressed from 29% to -4% — costs or competition are eating into profitability. Interest or tax burden is shrinking — more of the operating profit is reaching the bottom line. Margins have declined for 2 consecutive years — watch for a structural cost problem.
ROE at 1% — modest; the capital isn't working hard. Capital efficiency declining — ROE down 16pp.
Profit grew faster than EPS (-81% vs -85%) — share dilution is eroding per-share value. -85% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
2 of 4 years had negative operating cash flow — profitability on paper may not translate to cash. Cash conversion at 82.8× PAT — earnings are well-backed by cash; strong accrual quality. Financing outflows in consecutive years — balance-sheet discipline through debt repayment or dividends.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue rose 8% sequentially — momentum is building.
1 of 4 quarters loss-making — quarterly profitability is uneven. Profit fell 45% QoQ — one-quarter drops can be noise, but a pattern matters. Quarterly net margins are expanding (-6% → 14%) — profitability per rupee of revenue is improving.
How today's P/E compares to the stock's own historical range. Dashed line = the 2.6y median.
Promoter holding at 51.8% — majority control intact. Promoters reduced 3.2pp over 4 quarters — watch whether this is planned divestment or pledge invocations. MF holding up 4.1pp — domestic institutional discovery underway. Both FII and MF added last quarter — broad institutional confidence.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.