Fusion Finance Limited

NSEI:FUSION Stock Report

Market Cap: ₹17.1b

Fusion Finance Valuation

Is FUSION undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

3/6

Valuation Score 3/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Sales vs Peers

  • Price-To-Sales vs Industry

  • Price-To-Sales vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of FUSION when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: Insufficient data to calculate FUSION's fair value for valuation analysis.

Significantly Below Fair Value: Insufficient data to calculate FUSION's fair value for valuation analysis.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for FUSION?

Key metric: As FUSION is unprofitable we use its Price-To-Sales Ratio for relative valuation analysis.

The above table shows the Price to Sales ratio for FUSION. This is calculated by dividing FUSION's market cap by their current revenue.
What is FUSION's PS Ratio?
PS Ratio1.2x
Sales₹14.52b
Market Cap₹17.08b

Price to Sales Ratio vs Peers

How does FUSION's PS Ratio compare to its peers?

The above table shows the PS ratio for FUSION vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PSEstimated GrowthMarket Cap
Peer Average5.7x
SATIN Satin Creditcare Network
1.3x27.9%₹16.3b
531179 Arman Financial Services
4xn/a₹13.4b
508954 Finkurve Financial Services
14.9xn/a₹12.1b
SPANDANA Spandana Sphoorty Financial
2.4x28.3%₹26.7b
FUSION Fusion Finance
1.2x13.2%₹17.1b

Price-To-Sales vs Peers: FUSION is good value based on its Price-To-Sales Ratio (1.2x) compared to the peer average (5.7x).

Price to Sales Ratio vs Industry

How does FUSION's PS Ratio compare vs other companies in the IN Consumer Finance Industry?

10 CompaniesPrice / SalesEstimated GrowthMarket Cap
RNFI RNFI Services
0.4xn/aUS$40.10m
531688 Prithvi Exchange (India)
0.07xn/aUS$36.03m
539113 Paul Merchants
0.06xn/aUS$34.51m
DELPHIFX Delphi World Money
0.1xn/aUS$29.14m
FUSION 1.2xIndustry Avg. 4.7xNo. of Companies11PS048121620+
10 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Sales vs Industry: FUSION is good value based on its Price-To-Sales Ratio (1.2x) compared to the Indian Consumer Finance industry average (4.7x).

Price to Sales Ratio vs Fair Ratio

What is FUSION's PS Ratio compared to its Fair PS Ratio? This is the expected PS Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

FUSION PS Ratio vs Fair Ratio.
Fair Ratio
Current PS Ratio1.2x
Fair PS Ratio4.9x

Price-To-Sales vs Fair Ratio: FUSION is good value based on its Price-To-Sales Ratio (1.2x) compared to the estimated Fair Price-To-Sales Ratio (4.9x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst FUSION forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current₹175.99
₹241.67
+37.3%
52.9%₹520.00₹155.00n/a9
Nov ’25₹228.75
₹350.50
+53.2%
32.7%₹570.00₹240.00n/a10
Oct ’25₹245.91
₹371.50
+51.1%
27.6%₹570.00₹260.00n/a10
Sep ’25₹320.60
₹436.30
+36.1%
20.0%₹570.00₹280.00n/a10
Aug ’25₹438.20
₹656.64
+49.8%
13.3%₹770.00₹500.00n/a11
Jul ’25₹453.75
₹663.36
+46.2%
12.8%₹784.00₹500.00n/a11
Jun ’25₹454.85
₹663.36
+45.8%
12.8%₹784.00₹500.00n/a11
May ’25₹517.70
₹723.55
+39.8%
10.2%₹820.00₹600.00n/a11
Apr ’25₹482.20
₹740.73
+53.6%
7.1%₹819.00₹650.00n/a11
Mar ’25₹552.00
₹749.82
+35.8%
5.9%₹819.00₹680.00n/a11
Feb ’25₹571.15
₹759.36
+33.0%
6.2%₹818.00₹670.00n/a11
Jan ’25₹586.40
₹748.91
+27.7%
6.7%₹818.00₹655.00n/a11
Dec ’24₹572.95
₹748.91
+30.7%
6.7%₹818.00₹655.00n/a11
Nov ’24₹601.50
₹758.22
+26.1%
5.8%₹810.00₹684.00₹228.759
Oct ’24₹595.10
₹755.50
+27.0%
5.7%₹810.00₹684.00₹245.918
Sep ’24₹623.30
₹752.00
+20.6%
5.9%₹810.00₹684.00₹320.607
Aug ’24₹670.90
₹665.29
-0.8%
6.3%₹725.00₹613.00₹438.207
Jul ’24₹549.35
₹642.40
+16.9%
3.8%₹684.00₹613.00₹453.755
Jun ’24₹514.05
₹635.40
+23.6%
4.5%₹684.00₹605.00₹454.855
May ’24₹415.50
₹574.50
+38.3%
3.1%₹600.00₹550.00₹517.704
Apr ’24₹400.75
₹574.50
+43.4%
3.1%₹600.00₹550.00₹482.204
Mar ’24₹402.50
₹574.50
+42.7%
3.1%₹600.00₹550.00₹552.004
Feb ’24₹412.15
₹569.50
+38.2%
3.7%₹600.00₹550.00₹571.154

Analyst Forecast: Target price is more than 20% higher than the current share price, but analysts are not within a statistically confident range of agreement.

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