Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Focus Business SolutionBOM:543312 64 Piotroski F-Score is 5 as of Aug. 04, 2026, which is at its 10-year median of 5.00. GuruFocus rates BOM:543312 with a GF Score™ of 64/100 and a GF Value™ of ₹56.21 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 535 Credit Services companies, Focus Business Solution ranks better than 63.74% on this metric.
The zones of discrimination were as such:
Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
Focus Business Solution has an F-score of 5 indicating the company's financial situation is typical for a stable company.
The historical rank and industry rank for Focus Business Solution's Piotroski F-Score or its related term are showing as below:
BOM:543312'
s Piotroski F-Score Range Over the Past 10 Years
Min: 3 Med: 5 Max: 8
Current: 5
During the past 9 years, the highest Piotroski F-Score of Focus Business Solution was 8. The lowest was 3. And the median was 5.
Focus Business Solution (BOM:543312) Piotroski F-Score Explanation
The developer of the system is Joseph D. Piotroski is relatively unknown accounting professor who shuns publicity and rarely gives interviews.
He graduated from the University of Illinois with a B.S. in accounting in 1989, received an M.B.A. from Indiana University in 1994. Five years later, in 1999, after earning a Ph.D. in accounting from the University of Michigan, he became an associate professor of accounting at the University of Chicago.
He wanted to see if he can develop a system (using a simple nine-point scoring system) that can increase the returns of a strategy of investing in low price to book (referred to in the paper as high book to market) value companies.
What he found was something that exceeded his most optimistic expectations.
Buying only those companies that scored highest (8 or 9) on his nine-point scale, or F-Score as he called it, over the 20 year period from 1976 to 1996 led to an average out-performance over the market of 13.4%.
Even more impressive were the results of a strategy of investing in the highest F-Score companies (8 or 9) and shorting companies with the lowest F-Score (0 or 1).
Over the same period from 1976 to 1996 (20 years) this strategy led to an average yearly return of 23%, substantially outperforming the average S&P 500 index return of 15.83% over the same period.
Focus Business Solution Piotroski F-Score Related Terms
Focus Business Solution Piotroski F-Score Historical Data
* Premium members only.
The historical data trend for Focus Business Solution's Piotroski F-Score 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.
BOM:543312 vs V, MA, AXP: Piotroski F-Score Comparison
For the Credit Services subindustry, Focus Business Solution's Piotroski F-Score, along with its competitors' market caps and Piotroski F-Score 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.
Focus Business Solution Piotroski F-Score vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Focus Business Solution's Piotroski F-Score distribution charts can be found below:
* The bar in red indicates where Focus Business Solution's Piotroski F-Score 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.
*Note: If the latest quarterly/semi-annual/annual total assets data is 0, then we will use previous quarterly/semi-annual/annual data for all the items in the balance sheet.
Profitability
Question 1. Return on Assets (ROA)
Net income before extraordinary items for the year divided by Total Assets at the beginning of the year.
Score 1 if positive, 0 if negative.
Focus Business Solution's current Net Income (TTM) was 8.7.
==> Positive ==> Score 1.
Question 2. Cash Flow Return on Assets (CFROA)
Net cash flow from operating activities (operating cash flow) divided by Total Assets at the beginning of the year.
Score 1 if positive, 0 if negative.
Focus Business Solution's current Cash Flow from Operations (TTM) was 4.5.
==> Positive ==> Score 1.
Question 3. Change in Return on Assets
Compare this year's return on assets (1) to last year's return on assets.
Focus Business Solution's return on assets of this year was 0.10704108. Focus Business Solution's return on assets of last year was 0.11134492.
==> Last year is higher ==> Score 0.
Question 4. Quality of Earnings (Accrual)
Compare Cash flow return on assets (2) to return on assets (1)
Focus Business Solution's gearing of this year was 0.01019298. Focus Business Solution's gearing of last year was 0.0187914.
==> This year is lower or equal to last year. ==> Score 1.
Question 6. Change in Working Capital (Liquidity)
Compare this year's current ratio (current assets divided by current liabilities) to last year's current ratio.
Score 1 if this year's current ratio is higher, 0 if it's lower
Focus Business Solution's current ratio of this year was 11.77761392. Focus Business Solution's current ratio of last year was 9.99827735.
==> This year's current ratio is higher. ==> Score 1.
Question 7. Change in Shares in Issue
Compare the number of shares in issue this year, to the number in issue last year.
Score 0 if there is larger number of shares in issue this year, 1 otherwise.
Focus Business Solution's number of shares in issue this year was 7.262. Focus Business Solution's number of shares in issue last year was 7.28.
==> There is smaller number of shares in issue this year, or the same. ==> Score 1.
Efficiency
Question 8. Change in Gross Margin
Compare this year's gross margin (Gross Profit divided by sales) to last year's.
Score 1 if this year's gross margin is higher, 0 if it's lower.
Focus Business Solution's gross margin of this year was 0.77303308. Focus Business Solution's gross margin of last year was 0.79560627.
==> Last year's gross margin is higher ==> Score 0.
Question 9. Change in asset turnover
Compare this year's asset turnover (total sales for the year divided by total assets at the beginning of the year) to last year's asset turnover ratio.
Score 1 if this year's asset turnover ratio is higher, 0 if it's lower
Focus Business Solution's asset turnover of this year was 2.96147799. Focus Business Solution's asset turnover of last year was 3.59327842.
==> Last year's asset turnover is higher ==> Score 0.
Evaluation
Piotroski F-Score
=
Que. 1
+
Que. 2
+
Que. 3
+
Que. 4
+
Que. 5
+
Que. 6
+
Que. 7
+
Que. 8
+
Que. 9
=
1
+
1
+
0
+
0
+
1
+
1
+
1
+
0
+
0
=
5
Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
Focus Business Solution has an F-score of 5 indicating the company's financial situation is typical for a stable company.
Focus Business Solution (BOM:543312) has a Piotroski F-Score of 5 as of Aug. 04, 2026. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on Focus Business Solution and its competitors. This is near median its historical median of 5.00. Over the past decade, Focus Business Solution's Piotroski F-Score has ranged from 3.00 to 8.00. According to the industry distribution chart, Focus Business Solution ranks #194 out of 535 companies in the Credit Services industry, placing it in the top 36.3%.
Is Focus Business Solution's Piotroski F-Score too high?
Focus Business Solution's current Piotroski F-Score of 5 is near median its 10-year median of 5.00. Over the past 10 years, this metric has ranged from a low of 3.00 to a high of 8.00. The Credit Services industry median Piotroski F-Score is 5.00. Focus Business Solution's value of 5 is 0% at this industry median. Based on the distribution chart, Focus Business Solution ranks #194 out of 535 companies in the Credit Services industry, which is above the industry midpoint. Overall, Focus Business Solution has a GF Score™ of 64/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Focus Business Solution's Piotroski F-Score compare to V and MA?
According to the Credit Services industry distribution chart, Focus Business Solution ranks #194 out of 535 companies for Piotroski F-Score. This puts Focus Business Solution in the upper half of its industry. The industry median Piotroski F-Score is 5.00. Focus Business Solution's value of 5 is 0% at this benchmark. Historically, Focus Business Solution's own Piotroski F-Score has ranged from 3.00 to 8.00 over the past decade. While the company's 10-year median is 5.00 vs. the industry median of 5.00, Focus Business Solution has consistently been at 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 Piotroski F-Score for a Credit Services company?
The median Piotroski F-Score among Credit Services companies is 5.00, based on 535 companies in the industry. Companies in the top quartile (top 25%) have a Piotroski F-Score significantly above this median, while those in the bottom quartile fall well below. However, Piotroski F-Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Focus Business Solution's current Piotroski F-Score of 5 is 0% at 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 Piotroski F-Score mean?
A high Piotroski F-Score can signal that a stock is expensive relative to its fundamentals. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on Focus Business Solution and its competitors. For the Credit Services industry, the median Piotroski F-Score is 5.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Focus Business Solution's current Piotroski F-Score is 5, which is near median its own 10-year median of 5.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Focus Business Solution stock overvalued right now?
Based on GuruFocus' analysis, Focus Business Solution (BOM:543312) is currently considered Significantly Overvalued. The stock's GF Value™ is ₹56.21, compared to a current price of ₹202.00 — trading 259.4% above its estimated fair value. The current Piotroski F-Score is 5, which is near median its 10-year median of 5.00 and 0% at the Credit Services industry median of 5.00. Focus Business Solution's overall GF Score™ is 64/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Piotroski F-Score calculated?
Piotroski F-Score is calculated from a company's financial statements. For Focus Business Solution (BOM:543312), the current Piotroski F-Score is 5 as of Aug. 04, 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 Focus Business Solution (BOM:543312) Overvalued in 2026?
Based on GuruFocus' analysis, Focus Business Solution stock appears to be overvalued.
The current stock price of ₹202.00 is trading 259.4% above its estimated GF Value™ of ₹56.21.
GuruFocus considers Focus Business Solution to be Significantly Overvalued.
Key valuation signals for BOM:543312:
Piotroski F-Score: 5 (near median its 10-year median of 5.00)
GF Value™: ₹56.21 vs. price of ₹202.00 (259.4% above fair value)
Industry Position: 0% at the Credit Services median (#194 of 535)
No single metric tells the full story. See the BOM:543312 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Focus Business Solution Ltd is engaged in the business of debt collection and recovery services for banks, financial institutions, and NBFCs. The company takes strategic actions on delinquent accounts to recover overdue payments of loans, credit cards, and other credit facilities from customers. The company follows a smart retail collection administrative program to recover overdue payments on personal loans, business loans, vehicle loans, loans against properties, two wheeler loans, SME loans, gold loans, and others.
64GF Score
Get the complete analysis for BOM:543312
Piotroski F-Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BOM:543312 has been successfully added to your 
