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Focus Business SolutionBOM:543312 67 ROC (Joel Greenblatt) % is 12.30% as of Mar. 2026, which is 49% below its 10-year median of 24.15. GuruFocus rates BOM:543312 with a GF Score™ of 67/100 and a GF Value™ of ₹55.44 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 419 Credit Services companies, Focus Business Solution ranks worse than 52.51% on this metric.
Joel Greenblatt defined Return on Capital differently in his book The Little Book That Still Beats the Market (Little Books. Big Profits). He defines ROC (Joel Greenblatt) % as EBIT divided by the total of Property, Plant and Equipment and net working capital. Focus Business Solution's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 12.30%.
The historical rank and industry rank for Focus Business Solution's ROC (Joel Greenblatt) % or its related term are showing as below:
BOM:543312'
s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: 16 Med: 24.15 Max: 29.36
Current: 22.97
During the past 9 years, Focus Business Solution's highest ROC (Joel Greenblatt) % was 29.36%. The lowest was 16.00%. And the median was 24.15%.
BOM:543312's ROC (Joel Greenblatt) % is ranked worse than 52.51% of 419
companies
in the Credit Services industry
Industry Median: 26.95
vs BOM:543312: 22.97
Focus Business Solution's 5-Year average Growth Rate of ROC (Joel Greenblatt) % was 7.90% per year.
Focus Business Solution (BOM:543312) ROC (Joel Greenblatt) % Explanation
The way Joel Greenblatt defines Return on Capital is a more accurate measure of how efficiently the company generates returns onthe capital actually invested in the business. EBIT is used instead of net income because the tax and interest payment may be affected by factors other than the core business operation. Intangible assets are not included in the calculation because they don't need to be replaced.
Focus Business Solution ROC (Joel Greenblatt) % Related Terms
Focus Business Solution ROC (Joel Greenblatt) % Historical Data
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The historical data trend for Focus Business Solution's ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % Chart
BOM:543312 vs V, MA, AXP: ROC (Joel Greenblatt) % Comparison
For the Credit Services subindustry, Focus Business Solution's ROC (Joel Greenblatt) %, along with its competitors' market caps and ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Focus Business Solution's ROC (Joel Greenblatt) % distribution charts can be found below:
* The bar in red indicates where Focus Business Solution's ROC (Joel Greenblatt) % falls into.
Focus Business Solution ROC (Joel Greenblatt) % Calculation
Joel Greenblatt defined Return on Capital differently in his book The Little Book That Still Beats the Market (Little Books. Big Profits) . He defines Return on Capital as follows:
EBIT stands for Earnings Before Interest and Taxes.
Fixed Assets are also known as non-current assets. They include the Property, Plant and Equipment that the firm needs in its operation.
GuruFocus calculates net working capital as: (Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Deferred Revenue + Other Current Liabilities). We're trying to account for OPERATING assets and liabilities (part of daily business) when calculating working capital. Cash and marketable securities are considered NON-OPERATING assets and are not included in calculation. We will also back out all interest bearing debt, short term debt and the portion of long term debt that is due in the current period from the current liabilities. This debt will be considered when computing cost of capital and it would be inappropriate to count it twice.
Note:
The EBIT data used here is two times the semi-annual (Mar. 2026) EBIT data.
* 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.
What does a ROC (Joel Greenblatt) % of 12.30% mean?
Focus Business Solution (BOM:543312) has a ROC (Joel Greenblatt) % of 12.30% as of Mar. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Focus Business Solution and its competitors. This is 49% below median its historical median of 24.15. Over the past decade, Focus Business Solution's ROC (Joel Greenblatt) % has ranged from 16.00 to 29.36. According to the industry distribution chart, Focus Business Solution ranks #220 out of 419 companies in the Credit Services industry, placing it in the top 52.5%.
Is Focus Business Solution's ROC (Joel Greenblatt) % too high?
Focus Business Solution's current ROC (Joel Greenblatt) % of 12.30% is 49% below median its 10-year median of 24.15. Over the past 10 years, this metric has ranged from a low of 16.00 to a high of 29.36. The Credit Services industry median ROC (Joel Greenblatt) % is 26.95. Focus Business Solution's value of 12.30% is 54.4% below this industry median. Based on the distribution chart, Focus Business Solution ranks #220 out of 419 companies in the Credit Services industry, which is below the industry midpoint. Overall, Focus Business Solution has a GF Score™ of 67/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Focus Business Solution's ROC (Joel Greenblatt) % compare to V and MA?
According to the Credit Services industry distribution chart, Focus Business Solution ranks #220 out of 419 companies for ROC (Joel Greenblatt) %. This places Focus Business Solution in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 26.95. Focus Business Solution's value of 12.30% is 54.4% below this benchmark. Historically, Focus Business Solution's own ROC (Joel Greenblatt) % has ranged from 16.00 to 29.36 over the past decade. While the company's 10-year median is 24.15 vs. the industry median of 26.95, 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 ROC (Joel Greenblatt) % for a Credit Services company?
The median ROC (Joel Greenblatt) % among Credit Services companies is 26.95, based on 419 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Focus Business Solution's current ROC (Joel Greenblatt) % of 12.30% is 54.4% 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Focus Business Solution and its competitors. For the Credit Services industry, the median ROC (Joel Greenblatt) % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Focus Business Solution's current ROC (Joel Greenblatt) % is 12.30%, which is 49% below median its own 10-year median of 24.15. 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 ₹55.44, compared to a current price of ₹205.00 — trading 269.8% above its estimated fair value. The current ROC (Joel Greenblatt) % is 12.30%, which is 49% below median its 10-year median of 24.15 and 54.4% below the Credit Services industry median of 26.95. Focus Business Solution's overall GF Score™ is 67/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Focus Business Solution (BOM:543312), the current ROC (Joel Greenblatt) % is 12.30% 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 ₹205.00 is trading 269.8% above its estimated GF Value™ of ₹55.44.
GuruFocus considers Focus Business Solution to be Significantly Overvalued.
Key valuation signals for BOM:543312:
ROC (Joel Greenblatt) %: 12.30% (49% below median its 10-year median of 24.15)
GF Value™: ₹55.44 vs. price of ₹205.00 (269.8% above fair value)
Industry Position: 54.4% below the Credit Services median (#220 of 419)
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.
67GF Score
Get the complete analysis for BOM:543312
ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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