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Fusion FinanceNSE:FUSION +1.42%69 Debt-to-EBITDA is 23.26 as of Mar. 2026, which is 79% above its 10-year median of 13.03. GuruFocus rates NSE:FUSION with a GF Score™ of 69/100 and a GF Value™ of ₹134.26 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 284 Credit Services companies, Fusion Finance ranks worse than 79.93% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Fusion Finance's Debt-to-EBITDA or its related term are showing as below:
NSE:FUSION'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -107.59 Med: 13.03 Max: 188.23
Current: 23.41
During the past 7 years, the highest Debt-to-EBITDA Ratio of Fusion Finance was 188.23. The lowest was -107.59. And the median was 13.03.
NSE:FUSION's Debt-to-EBITDA is ranked worse than 79.93% of 284
companies
in the Credit Services industry
Industry Median: 9.2
vs NSE:FUSION: 23.41
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Fusion Finance Debt-to-EBITDA Related Terms
Fusion Finance Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Fusion Finance's Debt-to-EBITDA can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
NSE:FUSION vs V, MA, AXP: Debt-to-EBITDA Comparison
For the Credit Services subindustry, Fusion Finance's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Fusion Finance Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Fusion Finance's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Fusion Finance's Debt-to-EBITDA falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Mar. 2026) EBITDA data.
Fusion Finance (NSE:FUSION) has a Debt-to-EBITDA of 23.26 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Fusion Finance. This is 79% above median its historical median of 13.03. According to the industry distribution chart, Fusion Finance ranks #227 out of 284 companies in the Credit Services industry, placing it in the top 79.9%.
Is Fusion Finance's Debt-to-EBITDA too high?
Fusion Finance's current Debt-to-EBITDA of 23.26 is 79% above median its 10-year median of 13.03. The Credit Services industry median Debt-to-EBITDA is 9.20. Fusion Finance's value of 23.26 is 152.8% above this industry median. Based on the distribution chart, Fusion Finance ranks #227 out of 284 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Fusion Finance has a GF Score™ of 69/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Fusion Finance's Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Fusion Finance ranks #227 out of 284 companies for Debt-to-EBITDA. This places Fusion Finance in the lower half of its industry. The industry median Debt-to-EBITDA is 9.20. Fusion Finance's value of 23.26 is 152.8% above this benchmark. While the company's 10-year median is 13.03 vs. the industry median of 9.20, Fusion Finance has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for a Credit Services company?
The median Debt-to-EBITDA among Credit Services companies is 9.20, based on 284 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Fusion Finance's current Debt-to-EBITDA of 23.26 is 152.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Fusion Finance. For the Credit Services industry, the median Debt-to-EBITDA is 9.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fusion Finance's current Debt-to-EBITDA is 23.26, which is 79% above median its own 10-year median of 13.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fusion Finance stock overvalued right now?
Based on GuruFocus' analysis, Fusion Finance (NSE:FUSION) is currently considered Significantly Overvalued. The stock's GF Value™ is ₹134.26, compared to a current price of ₹210.78 — trading 57% above its estimated fair value. The current Debt-to-EBITDA is 23.26, which is 79% above median its 10-year median of 13.03 and 152.8% above the Credit Services industry median of 9.20. Fusion Finance's overall GF Score™ is 69/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Fusion Finance (NSE:FUSION), the current Debt-to-EBITDA is 23.26 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Fusion Finance (NSE:FUSION) Overvalued in 2026?
Based on GuruFocus' analysis, Fusion Finance stock appears to be overvalued.
The current stock price of ₹210.78 is trading 57% above its estimated GF Value™ of ₹134.26.
GuruFocus considers Fusion Finance to be Significantly Overvalued.
Key valuation signals for NSE:FUSION:
Debt-to-EBITDA: 23.26 (79% above median its 10-year median of 13.03)
GF Value™: ₹134.26 vs. price of ₹210.78 (57% above fair value)
Industry Position: 152.8% above the Credit Services median (#227 of 284)
No single metric tells the full story. See the NSE:FUSION stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Fusion Finance Ltd is engaged in microfinance lending activities, providing financial services to poor women in India who are organized as Joint Liability Groups (JLGs). Apart from microfinance lending, the company also has lending to MSME enterprises. It uses its distribution channel to provide other financial products and services to the members related to providing of loans to the members for the purchase of certain productivity-enhancing products such as mobile handsets, and bicycles.
69GF Score
Get the complete analysis for NSE:FUSION
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