Fusion Finance (NSE:FUSION) EBITDA: ₹2,380 Mil (TTM As of Mar. 2026)


NSE:FUSION Fusion Finance Ltd NSE:FUSION
73 GF Score
Price ₹192.77
GF Value ₹140.67
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Fusion Finance EBITDA?

Fusion Finance NSE:FUSION +6.54% 73 EBITDA is ₹2,380 Mil as of Mar. 2026. GuruFocus rates NSE:FUSION with a GF Score™ of 73/100 and a GF Value™ of ₹140.67 (Significantly Overvalued). The stock has 6 warning signs investors should review.

Fusion Finance's EBITDA for the three months ended in Mar. 2026 was ₹599 Mil. Its EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 was ₹2,380 Mil.

During the past 12 months, the average EBITDA Growth Rate of Fusion Finance was -54.70% per year. During the past 3 years, the average EBITDA Growth Rate was -21.70% per year. During the past 5 years, the average EBITDA Growth Rate was 57.80% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the EBITDA Growth Rate using EBITDA data.

During the past 7 years, the highest 3-Year average EBITDA Growth Rate of Fusion Finance was 162.10% per year. The lowest was -21.70% per year. And the median was 97.10% per year.

Fusion Finance's EBITDA per Share for the three months ended in Mar. 2026 was ₹3.70. Its EBITDA per share for the trailing twelve months (TTM) ended in Mar. 2026 was ₹17.49.

During the past 12 months, the average EBITDA per Share Growth Rate of Fusion Finance was -63.70% per year. During the past 3 years, the average EBITDA per Share Growth Rate was -31.20% per year. During the past 5 years, the average EBITDA per Share Growth Rate was 50.20% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the EBITDA per share growth rate using EBITDA per Share data.

During the past 7 years, the highest 3-Year average EBITDA per Share Growth Rate of Fusion Finance was 157.30% per year. The lowest was -31.20% per year. And the median was 98.30% per year.

Fusion Finance  (NSE:FUSION) EBITDA Explanation

EBITDA is a cash flow measure that ignores changes in working capital. EBITDA minus Depreciation, and Amortization (DA) equals Operating Income. Operating Income is profit before interest and taxes. Of course, Interest and taxes need to be paid.

While depreciation and amortization expenses do not need to be paid in cash, assets - especially tangible assets - do need to be replaced over time. EBITDA is not a measure of profit in any sense. EBITDA is a measure of cash generation by a business where the uses of that cash may be more or less discretionary depending on the nature of the business.

The EBITDA of a TV station is largely discretionary. Owners may use much of the EBITDA generated by a TV station as they see fit. The EBITDA of a railroad is largely non-discretionary. Owners must use much of the EBITDA generated by a railroad to replace the physical assets of the railroad or the business will literally fall apart over time.

EBITDA can be thought of as the cash a business generates that is available to:

Add more inventory
Add more receivables
Replace property, plant, and equipment
Add more property, plant, and equipment
Pay interest
Pay taxes
And finally: pay owners

EBITDA is widely used in financial analysis because Depreciation and Amortization are not present day cash expenses.. Depreciation and amortization are the spreading out of the costs of assets over the time in which those assets provide benefits. Today's depreciation and amortization expenses relate to assets bought in the past. The assets being expensed may or may not need to be replaced in the future. And the cost to replace the assets may be more or less than it was in the past. For this reason, the depreciation and amortization expenses a company records in the present year may have no relationship to the actual cash costs needed to maintain its assets in future years.

A company's depreciation expense depends on both its expectations about the assets it owns and its choice of accounting methods. Two companies owning identical assets may have different depreciation expenses because they have different expectations about the useful lives of those assets and because they make different accounting choices.

Analysts use EBITDA to remove this element of personal choice from a company's accounting statements. The use of EBITDA is an attempt to make the results of different companies more comparable and uniform.


Be Aware

Although depreciation is not a cash cost it is a real business cost because the company has to pay for the fixed assets when they purchase them. Both Warren Buffett and Charlie Munger hate the idea of EBITDA because in this calculation, depreciation is not counted as an expense.

EBITDA over Revenue is a good metric for comparing the operating efficiencies between companies because EBITDA is less vulnerable to companies' accounting choices. For this reason, EBITDA is used in ranking the Predictability of Companies. Also Price-to-EBITDA is sometimes used in valuations.


Fusion Finance EBITDA Related Terms


Fusion Finance EBITDA Historical Data

* Premium members only.

The historical data trend for Fusion Finance's 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.

Fusion Finance EBITDA Chart

Fusion Finance Annual Data
Trend Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
EBITDA
Get a 7-Day Free Trial 306.85 5,204.10 6,732.60 5,528.00 2,502.80

Fusion Finance Quarterly Data
Mar21 Jun21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EBITDA Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 745.70 657.00 549.20 574.50 598.80

NSE:FUSION vs V, MA, AXP: EBITDA Comparison

For the Credit Services subindustry, Fusion Finance's EV-to-EBITDA, along with its competitors' market caps and EV-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 EV-to-EBITDA vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Fusion Finance's EV-to-EBITDA distribution charts can be found below:

* The bar in red indicates where Fusion Finance's EV-to-EBITDA falls into.


NSE:FUSION
73GF Score
Fusion Finance Ltd NSE:FUSION
EBITDA is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.

Fusion Finance's EBITDA for the fiscal year that ended in Mar. 2026 is calculated as

Fusion Finance's EBITDA was directly provided by GuruFocus' data source Morningstar. For the fiscal year ended in Mar. 2026, Fusion Finance's EBITDA was ₹2,503 Mil.

Fusion Finance's EBITDA for the quarter that ended in Mar. 2026 is calculated as

Fusion Finance's EBITDA was directly provided by GuruFocus' data source Morningstar. For the quarter ended in Mar. 2026, Fusion Finance's EBITDA was ₹599 Mil.

EBITDA for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹2,380 Mil.

* 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.

Sometimes companies may have already deducted Depreciation and Amortization from Gross Profit. In this case Depreciation and Amortization needs to be added back when calculating EBITDA.

Frequently Asked Questions Learn more about EBITDA →
What does a EBITDA of ₹2,380 Mil mean?
Fusion Finance (NSE:FUSION) has a EBITDA of ₹2,380 Mil as of Mar. 2026. Ebitda is the difference between operating revenue and operating expenses not including depreciation and amortization. View historical data on Fusion Finance.
Is Fusion Finance's EBITDA too high?
Fusion Finance's current EBITDA is ₹2,380 Mil. Overall, Fusion Finance has a GF Score™ of 73/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Fusion Finance's EBITDA compare to V and MA?
Fusion Finance's EBITDA of ₹2,380 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBITDA for a Credit Services company?
A good EBITDA depends on the Credit Services industry context. However, EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EBITDA mean?
A high EBITDA can signal that a stock is expensive relative to its fundamentals. Ebitda is the difference between operating revenue and operating expenses not including depreciation and amortization. View historical data on Fusion Finance. Fusion Finance's current EBITDA is ₹2,380 Mil. 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 ₹140.67, compared to a current price of ₹192.77 — trading 37% above its estimated fair value. The current EBITDA is ₹2,380 Mil. Fusion Finance's overall GF Score™ is 73/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBITDA calculated?
EBITDA is calculated from a company's financial statements. For Fusion Finance (NSE:FUSION), the current EBITDA is ₹2,380 Mil 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 ₹192.77 is trading 37% above its estimated GF Value™ of ₹140.67. GuruFocus considers Fusion Finance to be Significantly Overvalued.

Key valuation signals for NSE:FUSION:

  • EBITDA: ₹2,380 Mil
  • GF Value™: ₹140.67 vs. price of ₹192.77 (37% above fair value)
  • GF Score™: 73/100 with 6 warning signs

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 Business Description

Other Exchanges 543652:India
Address Plot No. 86, Institutional Sector - 32, Gurugram, HR, IND, 122001
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.
73GF Score

Get the complete analysis for NSE:FUSION

EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹192.77
Price
₹140.67
GF Value