Fusion FinanceNSE:FUSION -3.65%73 Gross Margin % is 22.79% as of Mar. 2026, which is 33% below its 10-year median of 34.07. GuruFocus rates NSE:FUSION with a GF Score™ of 73/100 and a GF Value™ of ₹140.38 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 387 Credit Services companies, Fusion Finance ranks worse than 79.33% on this metric.
Warren Buffett believes that firms with excellent long term economics tend to have consistently higher margins.
Durable competitive advantage creates a high Gross Margin % because of the freedom to price in excess of cost. Companies can be categorized by their Gross Margin %
1. Greater than 40% = Durable competitive advantage
2. Less than 40% = Competition eroding margins
3. Less than 20% = no sustainable competitive advantage
Consistency of Gross Margin is key
Fusion Finance had a gross margin of 22.79% for the quarter that ended in Mar. 2026 => Competition eroding margins
Be Aware
If a company loses its competitive advantages, usually its gross margin declines well before its sales declines. Watching Gross Margin % and Operating Margin % closely helps avoid value trap situations.
Fusion Finance Gross Margin % Related Terms
Fusion Finance Gross Margin % Historical Data
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The historical data trend for Fusion Finance's Gross Margin % 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: Gross Margin % Comparison
For the Credit Services subindustry, Fusion Finance's Gross Margin %, along with its competitors' market caps and Gross Margin % 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 Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Fusion Finance's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Fusion Finance's Gross Margin % 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.
A positive Gross Profit is only the first step for a company to make a net profit. The gross profit needs to be big enough to also cover related labor, equipment, rental, marketing/advertising, research and development and a lot of other costs in selling the products.
Fusion Finance (NSE:FUSION) has a Gross Margin % of 22.79% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on Fusion Finance and its competitors. This is 33% below median its historical median of 34.07. Over the past decade, Fusion Finance's Gross Margin % has ranged from 25.14 to 44.63. According to the industry distribution chart, Fusion Finance ranks #307 out of 387 companies in the Credit Services industry, placing it in the top 79.3%.
Is Fusion Finance's Gross Margin % too high?
Fusion Finance's current Gross Margin % of 22.79% is 33% below median its 10-year median of 34.07. Over the past 10 years, this metric has ranged from a low of 25.14 to a high of 44.63. The Credit Services industry median Gross Margin % is 51.88. Fusion Finance's value of 22.79% is 56.1% below this industry median. Based on the distribution chart, Fusion Finance ranks #307 out of 387 companies in the Credit Services industry, which is in the bottom quartile relative to peers. 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 Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Fusion Finance ranks #307 out of 387 companies for Gross Margin %. This places Fusion Finance in the lower half of its industry. The industry median Gross Margin % is 51.88. Fusion Finance's value of 22.79% is 56.1% below this benchmark. Historically, Fusion Finance's own Gross Margin % has ranged from 25.14 to 44.63 over the past decade. While the company's 10-year median is 34.07 vs. the industry median of 51.88, Fusion Finance has consistently been below 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 Gross Margin % for a Credit Services company?
The median Gross Margin % among Credit Services companies is 51.88, based on 387 companies in the industry. Companies in the top quartile (top 25%) have a Gross Margin % significantly above this median, while those in the bottom quartile fall well below. However, Gross Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Fusion Finance's current Gross Margin % of 22.79% is 56.1% below 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 Gross Margin % mean?
A high Gross Margin % can signal that a stock is expensive relative to its fundamentals. Gross margin is the ratio of total gross profit to net sales. View historical data on Fusion Finance and its competitors. For the Credit Services industry, the median Gross Margin % is 51.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fusion Finance's current Gross Margin % is 22.79%, which is 33% below median its own 10-year median of 34.07. 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 ₹140.38, compared to a current price of ₹185.74 — trading 32.3% above its estimated fair value. The current Gross Margin % is 22.79%, which is 33% below median its 10-year median of 34.07 and 56.1% below the Credit Services industry median of 51.88. 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 Gross Margin % calculated?
Gross Margin % is calculated from a company's financial statements. For Fusion Finance (NSE:FUSION), the current Gross Margin % is 22.79% 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 ₹185.74 is trading 32.3% above its estimated GF Value™ of ₹140.38.
GuruFocus considers Fusion Finance to be Significantly Overvalued.
Key valuation signals for NSE:FUSION:
Gross Margin %: 22.79% (33% below median its 10-year median of 34.07)
GF Value™: ₹140.38 vs. price of ₹185.74 (32.3% above fair value)
Industry Position: 56.1% below the Credit Services median (#307 of 387)
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.
73GF Score
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