Fusion Finance Q3 FY26: Disbursements Surge 23% QoQ to ₹1,594 Cr, PAT Swings to ₹14 Cr Profit

Fusion Finance Limited (BSE: 543652 | NSE: FUSION), formerly Fusion Micro Finance, showcased robust recovery with Q3 FY26 disbursements leaping 23% quarter-on-quarter to ₹1,594 crore - highest in five quarters. The company posted PAT of ₹14 crore vs Q2 loss of ₹22 crore, excluding ₹6.91 crore new labour code impact.

AUM stood at ₹6,876 crore with 23.4 lakh active borrowers across 1,537 branches in 22 states/3 UTs. Collection efficiency hit six-quarter high.

NIM improved to 11.32% from 10.85%, cost of funds fell to 10.28%. Total income was ₹424 crore (vs ₹433 Cr Q2), NII stable at ₹237 crore, PPOP rose to ₹94 crore. Gross NPA declined to 4.38% (from 4.61%), Net NPA at 0.63%, credit cost dropped to ₹79 crore. CRAR strong at 38.80%, liquidity at ₹1,783 crore (23% of assets).

MD & CEO Sanjay Garyali said, "Q3 reflected disciplined execution strengthening fundamentals amid dynamic environment. Improving collections validate risk practices. Committed to responsible lending, prudent risk management for sustainable value."

Financial Snapshot (₹ Cr): Q3 interest income ₹363 (-6% QoQ), total income ₹424 (-2%), finance cost ₹123 (-8%), PBT ₹14 (vs -₹22 loss), PAT ₹14 (vs -₹22). 9M showed similar recovery trajectory.

Key Ratios: Cost/Income 68.88%, Opex/AUM 11.91%, ROA 0.76% (annualised).

Fusion Finance returns to profitability with margin expansion and asset quality gains, primed for growth.

Shares of Fusion Micro Finance Limited was last trading in BSE at Rs. 189.90 as compared to the previous close of Rs. 187.95. The total number of shares traded during the day was 23218 in over 397 trades.

The stock hit an intraday high of Rs. 193.70 and intraday low of 188.45. The net turnover during the day was Rs. 4431877.00.

Source : Equity Bulls

Keywords

FusionFinance INE139R01012 NBFC NonBankingFinanceCompany Q3FY26 Q3FY2026 ResultUpdate