Fusion Finance Ltd (NSE:FUSION)

Q3 2026 Fusion Finance Ltd Earnings Call Transcript

Feb 8, 2026 / 04:00 AM GMT

Release Date Price: ₹185.45 (-2.40%)

Transcript

Key Points

Positve

Fusion Finance Ltd (NSE:FUSION) returned to profitability in Q3, delivering a profit after tax of 14 crore, supported by improvements in asset quality, collections, and credit cost.
The company has strengthened its leadership team with the appointment of a new CFO and an independent director, enhancing financial leadership and strategic direction.
Disbursements increased significantly to 1,594 crore in Q3, driven by operational improvements and leveraging a pre-approved base of high-quality clients.
Collection efficiency improved to 99.4% in December, with strong discipline in center meetings and reduced borrower leverage.
Fusion Finance Ltd (NSE:FUSION) maintained a strong capital adequacy ratio of 38.8% and comfortable liquidity of 1,783 crore, providing a solid foundation for future growth.

Negative

The company's net interest margin remains under pressure with a marginal cost of funds at 11.8%, indicating a need for further cost optimization.
Despite improvements, the gross NPA remains relatively high at 4.38%, suggesting ongoing challenges in asset quality management.
The cost-to-income ratio stood at 69%, indicating room for improvement in operational efficiency.
There is uncertainty regarding the timing and recognition of deferred tax assets, which could impact financial metrics and lender perceptions.
The company faces challenges in maintaining low attrition rates among field officers, with a significant portion having less than six months of experience.

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

FUSN.NS - Fusion Finance Ltd
Q3 2026 Fusion Finance Ltd Earnings Call
Feb 09, 2026 / 04:00AM 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 the Fusion Finance Limited Q3 and 9 months FY26 posts results earnings conference call. As a reminder, all participants line will be in listen-only 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, then 0 on your touchstone phone. Please note that this conference has been recorded. I now hand over the conference to Mr. Smith Shaw from Ad Faus PR.

Thank you and over to you, sir.

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Unidentified_2 [2]
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