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 ROE % 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 531 Credit Services companies, Focus Business Solution ranks better than 66.29% on this metric.
Focus Business Solution (BOM:543312) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is two times the semi-annual (Mar. 2026) net income data. The Revenue data used here is two times the semi-annual (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
* 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Focus Business Solution's ROE % distribution charts can be found below:
* The bar in red indicates where Focus Business Solution's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
Focus Business Solution (BOM:543312) has a ROE % of 6.59% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total 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 ROE % has ranged from 4.89 to 21.04. According to the industry distribution chart, Focus Business Solution ranks #179 out of 531 companies in the Credit Services industry, placing it in the top 33.7%.
Is Focus Business Solution's ROE % too high?
Focus Business Solution's current ROE % 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 ROE % is 6.67. Focus Business Solution's value of 6.59% is 1.2% below this industry median. Based on the distribution chart, Focus Business Solution ranks #179 out of 531 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 ROE % compare to V and MA?
According to the Credit Services industry distribution chart, Focus Business Solution ranks #179 out of 531 companies for ROE %. This puts Focus Business Solution in the upper half of its industry. The industry median ROE % is 6.67. Focus Business Solution's value of 6.59% is 1.2% below this benchmark. Historically, Focus Business Solution's own ROE % 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 6.67, 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 ROE % for a Credit Services company?
The median ROE % among Credit Services companies is 6.67, based on 531 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Focus Business Solution's current ROE % of 6.59% is 1.2% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Focus Business Solution and its competitors. For the Credit Services industry, the median ROE % is 6.67 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Focus Business Solution's current ROE % 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 ROE % is 6.59%, which is 42% below median its 10-year median of 11.43 and 1.2% below the Credit Services industry median of 6.67. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Focus Business Solution (BOM:543312), the current ROE % 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:
ROE %: 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: 1.2% below the Credit Services median (#179 of 531)
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
ROE % 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 
