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Focus Business SolutionBOM:543312 64 Return-on-Tangible-Equity is 6.59% as of Mar. 2026, which is 42% below its 10-year median of 11.43. 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 527 Credit Services companies, Focus Business Solution ranks better than 64.14% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Focus Business Solution's annualized net income for the quarter that ended in Mar. 2026 was ₹5.4 Mil. Focus Business Solution's average shareholder tangible equity for the quarter that ended in Mar. 2026 was ₹81.5 Mil. Therefore, Focus Business Solution's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 6.59%.
The historical rank and industry rank for Focus Business Solution's Return-on-Tangible-Equity or its related term are showing as below:
BOM:543312'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 4.89 Med: 11.43 Max: 21.04
Current: 11.08
During the past 9 years, Focus Business Solution's highest Return-on-Tangible-Equity was 21.04%. The lowest was 4.89%. And the median was 11.43%.
BOM:543312's Return-on-Tangible-Equity is ranked better than 64.14% of 527
companies
in the Credit Services industry
Industry Median: 7.06
vs BOM:543312: 11.08
Focus Business Solution (BOM:543312) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Focus Business Solution Return-on-Tangible-Equity Related Terms
Focus Business Solution Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Focus Business Solution's Return-on-Tangible-Equity 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.
Focus Business Solution Return-on-Tangible-Equity Chart
BOM:543312 vs V, MA, AXP: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, Focus Business Solution's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Focus Business Solution's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Focus Business Solution's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is two times the semi-annual (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 6.59% mean?
Focus Business Solution (BOM:543312) has a Return-on-Tangible-Equity of 6.59% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Focus Business Solution and its competitors. This is 42% below median its historical median of 11.43. Over the past decade, Focus Business Solution's Return-on-Tangible-Equity has ranged from 4.89 to 21.04. According to the industry distribution chart, Focus Business Solution ranks #189 out of 527 companies in the Credit Services industry, placing it in the top 35.9%.
Is Focus Business Solution's Return-on-Tangible-Equity too high?
Focus Business Solution's current Return-on-Tangible-Equity of 6.59% is 42% below median its 10-year median of 11.43. Over the past 10 years, this metric has ranged from a low of 4.89 to a high of 21.04. The Credit Services industry median Return-on-Tangible-Equity is 7.06. Focus Business Solution's value of 6.59% is 6.7% below this industry median. Based on the distribution chart, Focus Business Solution ranks #189 out of 527 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 Return-on-Tangible-Equity compare to V and MA?
According to the Credit Services industry distribution chart, Focus Business Solution ranks #189 out of 527 companies for Return-on-Tangible-Equity. This puts Focus Business Solution in the upper half of its industry. The industry median Return-on-Tangible-Equity is 7.06. Focus Business Solution's value of 6.59% is 6.7% below this benchmark. Historically, Focus Business Solution's own Return-on-Tangible-Equity has ranged from 4.89 to 21.04 over the past decade. While the company's 10-year median is 11.43 vs. the industry median of 7.06, Focus Business Solution 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 Return-on-Tangible-Equity for a Credit Services company?
The median Return-on-Tangible-Equity among Credit Services companies is 7.06, based on 527 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Focus Business Solution's current Return-on-Tangible-Equity of 6.59% is 6.7% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Focus Business Solution and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Focus Business Solution's current Return-on-Tangible-Equity is 6.59%, which is 42% below median its own 10-year median of 11.43. 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 Return-on-Tangible-Equity is 6.59%, which is 42% below median its 10-year median of 11.43 and 6.7% below the Credit Services industry median of 7.06. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Focus Business Solution (BOM:543312), the current Return-on-Tangible-Equity is 6.59% 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 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:
Return-on-Tangible-Equity: 6.59% (42% below median its 10-year median of 11.43)
GF Value™: ₹56.21 vs. price of ₹202.00 (259.4% above fair value)
Industry Position: 6.7% below the Credit Services median (#189 of 527)
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
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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