Fusion Finance Ltd (BOM:543652)

Q3 2025 Fusion Finance Ltd Earnings Call Transcript

Feb 12, 2025 / 03:00 AM GMT

Release Date Price: ₹164.23 (-1.68%)

Transcript

Key Points

Positve

Fusion Finance Ltd (NSE:FUSION) has implemented stringent credit criteria, resulting in a superior quality portfolio since August 2024.
The company has seen a consistent improvement in net flow rates month on month across all DPDs, with a 200 basis point improvement since October.
Net collection efficiency has risen to 97.7% in December 2024 from 96.1% in Q2 FY25.
The capital adequacy ratio stands at a healthy 22.2%, which is expected to improve further with the planned rights issue.
The MSME vertical is growing at a good pace with 85% of loans being secured, indicating a healthy portfolio.

Negative

The company is facing high attrition rates among loan officers, which remains a challenge despite efforts to stabilize branch operations.
There is a significant gross NPA of 12.58%, indicating ongoing asset quality issues.
Interest income has seen a sharp fall due to derecognition on stage 3 assets and portfolio de-growth.
The company is still in breach of financial covenants amounting to INR 5,288 crore as of December 2024.
Certain geographies, such as Tamil Nadu and Odisha, are lagging in collection efficiency, impacting overall performance.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

FUSN.NS - Fusion Finance Ltd
Q3 2025 Fusion Finance Ltd Earnings Call
Feb 13, 2025 / 03:00AM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and gentlemen, good day and welcome to Fusion Finance Limited Q3 and 9 months FI 25 earnings conference call.

As a reminder, all participant lines will be in the listenno mode, and there will be an opportunity for you to ask questions after the presentation concludes.

Should you need assistance during this conference call, please signal an operator by pressing 0 on your dashtone phone.

Please note that this conference is being recorded.

And now in the conference. Autums that my cha frac factors.

Thank you and over to you, sir.

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Unidentified_2 [2]
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