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Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Focus Business Solution's 3-Year RORE % for the quarter that ended in Mar. 2026 was 7.62%.
The industry rank for Focus Business Solution's 3-Year RORE % or its related term are showing as below:
BOM:543312's 3-Year RORE % is ranked better than 50.29% of 519
companies
in the Credit Services industry
Industry Median: 7.48
vs BOM:543312: 7.62
Focus Business Solution (BOM:543312) 3-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Focus Business Solution 3-Year RORE % Related Terms
Focus Business Solution 3-Year RORE % 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 RORE % Comparison
For the Credit Services subindustry, Focus Business Solution's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 RORE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Focus Business Solution's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Focus Business Solution's 3-Year RORE % 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.
Focus Business Solution (BOM:543312) has a 3-Year RORE % of 7.62 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Focus Business Solution and its competitors. According to the industry distribution chart, Focus Business Solution ranks #258 out of 519 companies in the Credit Services industry, placing it in the top 49.7%.
Is Focus Business Solution's 3-Year RORE % too high?
Focus Business Solution's current 3-Year RORE % is 7.62. The Credit Services industry median 3-Year RORE % is 7.48. Focus Business Solution's value of 7.62 is 1.9% above this industry median. Based on the distribution chart, Focus Business Solution ranks #258 out of 519 companies in the Credit Services industry, which is above the industry midpoint. Overall, Focus Business Solution has a GF Score™ of 65/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Focus Business Solution's 3-Year RORE % compare to V and MA?
According to the Credit Services industry distribution chart, Focus Business Solution ranks #258 out of 519 companies for 3-Year RORE %. This puts Focus Business Solution in the upper half of its industry. The industry median 3-Year RORE % is 7.48. Focus Business Solution's value of 7.62 is 1.9% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Credit Services company?
The median 3-Year RORE % among Credit Services companies is 7.48, based on 519 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Focus Business Solution's current 3-Year RORE % of 7.62 is 1.9% 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 RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Focus Business Solution and its competitors. For the Credit Services industry, the median 3-Year RORE % is 7.48 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Focus Business Solution's current 3-Year RORE % is 7.62. 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 ₹55.73, compared to a current price of ₹202.00 — trading 262.5% above its estimated fair value. The current 3-Year RORE % is 7.62 and 1.9% above the Credit Services industry median of 7.48. Focus Business Solution's overall GF Score™ is 65/100 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 RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Focus Business Solution (BOM:543312), the current 3-Year RORE % is 7.62 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 262.5% above its estimated GF Value™ of ₹55.73.
GuruFocus considers Focus Business Solution to be Significantly Overvalued.
Key valuation signals for BOM:543312:
3-Year RORE %: 7.62
GF Value™: ₹55.73 vs. price of ₹202.00 (262.5% above fair value)
Industry Position: 1.9% above the Credit Services median (#258 of 519)
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.
65GF Score
Get the complete analysis for BOM:543312
3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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