Q4 2026 Fusion Finance Ltd Earnings Call Transcript
Key Points
- Fusion Finance Ltd (NSE:FUSION) reported strong sequential growth in Q4 FY26 disbursements, increasing from INR1,594 crore in Q3 to INR2,140 crore.
- The company has improved its portfolio quality with forward flow rates in the current bucket remaining at sub-0.1% level on a net basis.
- Collection efficiency trends are robust, with MFI collections improving to 99.7% and MSME at over 99.3%.
- The company has a strong liquidity position with INR1,913 crore as of March 31, 2026, and additional drawable sanctions of INR1,245 crore.
- Fusion Finance Ltd (NSE:FUSION) has onboarded 11 new lenders in FY26, reflecting resilience and credibility within the financial ecosystem.
- The company faces potential risks from external factors such as developments in West Asia, volatility in energy prices, and inflationary pressures.
- Despite improvements, the average cost of borrowing remains relatively high at 10.30% for Q4 FY26.
- The company has maintained additional liquidity, which incurs an extra finance cost of about INR7 crore to INR8 crore for the quarter.
- There is a potential impact on profitability due to the deferred tax asset (DTA) recognition, which will be spread over the next 18 to 24 months.
- The company is undergoing a migration to a more advanced LMS, which could pose operational challenges during the transition period.
Ladies and gentlemen, good day, and welcome to Fusion Finance Limited Q4 and FY26 earnings conference call. (Operator Instructions)
Please note that this conference is being recorded. I now hand the conference over to Mr. Smit Shah from Adfactors.
Good morning, and thank you for joining us on the Q4 FY26 Earnings Conference Call of Fusion Finance Limited. We have the company's senior management team with us on this call. Before we begin, I would like to remind you that certain statements made today question may be forward-looking in nature and may involve certain risks and uncertainties. A detailed statement in this regard is available in the Q4 FY26 nvestor presentation that has been uploaded on the stock exchange and the company website.
I now hand over the call to Mr. Sanjay Garyali, MD and CEO, Fusion Finance Limited, to begin the proceedings. Thank you, and over to sir.
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