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Focus Business SolutionBOM:543312 67 3-Year ROIIC % is 11.89 as of Mar. 2026, which is 7% below its 10-year median of 12.78. GuruFocus rates BOM:543312 with a GF Score™ of 67/100 and a GF Value™ of ₹55.62 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 394 Credit Services companies, Focus Business Solution ranks better than 74.62% on this metric.
3-Year Return on Invested Incremental Capital (3-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 3-year.
Focus Business Solution's 3-Year ROIIC % for the quarter that ended in Mar. 2026 was 11.89%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Focus Business Solution's 3-Year ROIIC % or its related term are showing as below:
BOM:543312's 3-Year ROIIC % is ranked better than 74.62% of 394
companies
in the Credit Services industry
Industry Median: 2.9
vs BOM:543312: 11.89
Focus Business Solution (BOM:543312) 3-Year ROIIC % Explanation
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
Focus Business Solution 3-Year ROIIC % Related Terms
Focus Business Solution 3-Year ROIIC % Historical 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.
BOM:543312 vs V, MA, AXP: 3-Year ROIIC % Comparison
For the Credit Services subindustry, Focus Business Solution's 3-Year ROIIC %, along with its competitors' market caps and 3-Year ROIIC % 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 3-Year ROIIC % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Focus Business Solution's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Focus Business Solution's 3-Year ROIIC % falls into.
Focus Business Solution 3-Year ROIIC % Calculation
Focus Business Solution's 3-Year ROIIC % for the quarter that ended in Mar. 2026 is calculated as:
3-Year ROIIC %
=
3-Year Incremental Net Operating Profit After Taxes (NOPAT)**
/
3-Year Incremental Invested Capital**
=
( 8.3394212 (Mar. 2026) - 4.1852655 (Mar. 2023) )
/
( 59.635 (Mar. 2026) - 24.699 (Mar. 2023) )
=
4.1541557
/
34.936
=
11.89%***
* 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.
** Annual data of NOPAT and Invested Capital was used to calculate 3-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
Focus Business Solution (BOM:543312) has a 3-Year ROIIC % of 11.89 as of Mar. 2026. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Focus Business Solution and its competitors. This is near median its historical median of 12.78. Over the past decade, Focus Business Solution's 3-Year ROIIC % has ranged from 2.35 to 25.06. According to the industry distribution chart, Focus Business Solution ranks #100 out of 394 companies in the Credit Services industry, placing it in the top 25.4%.
Is Focus Business Solution's 3-Year ROIIC % too high?
Focus Business Solution's current 3-Year ROIIC % of 11.89 is near median its 10-year median of 12.78. Over the past 10 years, this metric has ranged from a low of 2.35 to a high of 25.06. The Credit Services industry median 3-Year ROIIC % is 2.90. Focus Business Solution's value of 11.89 is 310% above this industry median. Based on the distribution chart, Focus Business Solution ranks #100 out of 394 companies in the Credit Services industry, which is above 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 3-Year ROIIC % compare to V and MA?
According to the Credit Services industry distribution chart, Focus Business Solution ranks #100 out of 394 companies for 3-Year ROIIC %. This puts Focus Business Solution in the upper half of its industry. The industry median 3-Year ROIIC % is 2.90. Focus Business Solution's value of 11.89 is 310% above this benchmark. Historically, Focus Business Solution's own 3-Year ROIIC % has ranged from 2.35 to 25.06 over the past decade. While the company's 10-year median is 12.78 vs. the industry median of 2.90, 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 3-Year ROIIC % for a Credit Services company?
The median 3-Year ROIIC % among Credit Services companies is 2.90, based on 394 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Focus Business Solution's current 3-Year ROIIC % of 11.89 is 310% 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 3-Year ROIIC % mean?
A high 3-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Focus Business Solution and its competitors. For the Credit Services industry, the median 3-Year ROIIC % is 2.90 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Focus Business Solution's current 3-Year ROIIC % is 11.89, which is near median its own 10-year median of 12.78. 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 ₹55.62, compared to a current price of ₹205.00 — trading 268.6% above its estimated fair value. The current 3-Year ROIIC % is 11.89, which is near median its 10-year median of 12.78 and 310% above the Credit Services industry median of 2.90. 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 3-Year ROIIC % calculated?
3-Year ROIIC % is calculated from a company's financial statements. For Focus Business Solution (BOM:543312), the current 3-Year ROIIC % is 11.89 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 268.6% above its estimated GF Value™ of ₹55.62.
GuruFocus considers Focus Business Solution to be Significantly Overvalued.
Key valuation signals for BOM:543312:
3-Year ROIIC %: 11.89 (near median its 10-year median of 12.78)
GF Value™: ₹55.62 vs. price of ₹205.00 (268.6% above fair value)
Industry Position: 310% above the Credit Services median (#100 of 394)
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
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