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Focus Business SolutionBOM:543312 64 PB Ratio is 17.99 as of Aug. 04, 2026, which is 187% above its 10-year median of 6.27. 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 525 Credit Services companies, Focus Business Solution ranks worse than 98.29% on this metric.
Focus Business Solution Ltd stock PB Ratio (=17.36) is close to 10-year high of 18.07.
The historical rank and industry rank for Focus Business Solution's PB Ratio or its related term are showing as below:
BOM:543312'
s PB Ratio Range Over the Past 10 Years
Min: 0.84 Med: 6.27 Max: 18.07
Current: 17.36
During the past 9 years, Focus Business Solution's highest PB Ratio was 18.07. The lowest was 0.84. And the median was 6.27.
BOM:543312's PB Ratio is ranked worse than 98.29% of 525
companies
in the Credit Services industry
Industry Median: 1.06
vs BOM:543312: 17.36
During the past 12 months, Focus Business Solution's average Book Value Per Share Growth Rate was 11.90% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 20.90% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 18.10% per year.
During the past 9 years, the highest 3-Year average Book Value Per Share Growth Rate of Focus Business Solution was 62.70% per year. The lowest was 10.00% per year. And the median was 20.50% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
* 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.
For the Credit Services subindustry, Focus Business Solution's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Focus Business Solution's PB Ratio distribution charts can be found below:
* The bar in red indicates where Focus Business Solution's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Focus Business Solution (BOM:543312) has a PB Ratio of 17.99 as of Aug. 04, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Focus Business Solution and its competitors. This is 187% above median its historical median of 6.27. Over the past decade, Focus Business Solution's PB Ratio has ranged from 0.84 to 18.07. According to the industry distribution chart, Focus Business Solution ranks #516 out of 525 companies in the Credit Services industry, placing it in the top 98.3%.
Is Focus Business Solution's PB Ratio too high?
Focus Business Solution's current PB Ratio of 17.99 is 187% above median its 10-year median of 6.27. Over the past 10 years, this metric has ranged from a low of 0.84 to a high of 18.07. The Credit Services industry median PB Ratio is 1.06. Focus Business Solution's value of 17.99 is 1597.2% above this industry median. Based on the distribution chart, Focus Business Solution ranks #516 out of 525 companies in the Credit Services industry, which is in the bottom quartile relative to peers. 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 PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Focus Business Solution ranks #516 out of 525 companies for PB Ratio. This places Focus Business Solution in the lower half of its industry. The industry median PB Ratio is 1.06. Focus Business Solution's value of 17.99 is 1597.2% above this benchmark. Historically, Focus Business Solution's own PB Ratio has ranged from 0.84 to 18.07 over the past decade. While the company's 10-year median is 6.27 vs. the industry median of 1.06, Focus Business Solution has consistently been above 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 PB Ratio for a Credit Services company?
The median PB Ratio among Credit Services companies is 1.06, based on 525 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Focus Business Solution's current PB Ratio of 17.99 is 1597.2% above 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Focus Business Solution and its competitors. For the Credit Services industry, the median PB Ratio is 1.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Focus Business Solution's current PB Ratio is 17.99, which is 187% above median its own 10-year median of 6.27. 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 PB Ratio is 17.99, which is 187% above median its 10-year median of 6.27 and 1597.2% above the Credit Services industry median of 1.06. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Focus Business Solution (BOM:543312), the current PB Ratio is 17.99 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:
PB Ratio: 17.99 (187% above median its 10-year median of 6.27)
GF Value™: ₹56.21 vs. price of ₹202.00 (259.4% above fair value)
Industry Position: 1597.2% above the Credit Services median (#516 of 525)
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
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