Focus Business Solution Ltd

FOCUS

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Market Cap

₹ 103 Cr

P/E

139.22

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Performance

MARKET LEADER

Valuation

OVERVALUED

Growth

STABLE

Profitability

HIGH MARGIN

Technicals

Bullish

Risk

MODERATE RISK

Investment Checklist

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Price

PE Ratio

Price

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Overview

Detailed Summary

Focus Business Solution Limited is a financial services company specializing in debt collection across India. It operates as an authorized recovery agent for banks, NBFCs, and financial institutions, leveraging traditional methods of collection.

The company has scaled operations, working with a vast customer database exceeding 2.5 lakh records, covering diverse loan categories with a pool size of over Rs. 2.50 Crores.

Focus Business Solution deploys a robust electronic retail collection administrative program, myrcap.in, that enhances debt recovery rates through task automation and efficient CRM systems.

Recently expanded its geographical presence by opening new branches in Mumbai, Nagpur, Pune, Aurangabad, and Indore, showcasing evolving business growth.

In July 2021, the company successfully raised Rs 1.21 Crore through an IPO, indicating financial momentum and public market entry.

Sector

Financial Services

Industry

Finance - Small

Market Cap

103 Cr

Volatility

Low Risk

P/E Ratio

139.2

Industry P/E

20.4

PEG Ratio

2.4

P/B Ratio

14.2

52W High

142.00

52W Low

50.63

Sales CAGR

11.99%

19.93%

17.14%

10Y

—

Profit CAGR

27.59%

57.97%

38.52%

10Y

—

ROE

TTM

14.52%

11.03%

9.40%

10Y

—

ROCE

TTM

19.31%

13.86%

12.02%

10Y

—

Technicals

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Forecasts

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
WSFX	61.00	135 Cr	—	4.68	0.88	-12.17	-11.15	-8.19
PIONRINV	104.04	122 Cr	9.53	0.74	0.00	7.78	12.64	3.44
FOCUS	142.00	103 Cr	139.22	14.15	0.04	14.52	19.31	13.70
MYMUDRA	83.85	96 Cr	10.61	1.79	0.00	19.59	22.78	14.75
CHRTEDCA	279.00	84 Cr	12.53	0.48	0.00	3.83	4.98	3.74
SIELFNS	55.24	61 Cr	—	0.00	0.00	9.04	-50.88	-60.44
SMIFS	105.20	60 Cr	21.16	0.38	0.00	1.81	2.75	1.68

Financial Statements

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Standalone Half Yearly Results (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2021	Sep 2021	Mar 2022	Sep 2022	Mar 2023	Sep 2023	Mar 2024	Sep 2024	Mar 2025	Sep 2025
Sales	6.78	6.13	7.73	8.52	9.85	10	11	11	13	13
Expenses	6.49	5.90	7.38	8.20	9.14	9.74	10	10	12	12
Interest	0.00	0.00	0.01	0.01	0.00	0.00	0.00	0.00	0.01	0.01
Operating Profit	0.29	0.23	0.35	0.32	0.71	0.53	0.70	0.45	1.07	1.09
OPM %	4.28	3.75	4.53	3.76	7.21	5.16	6.32	4.22	8.08	8.66
Other Income	0.03	0.06	0.00	0.03	0.00	0.00	0.02	0.01	0.04	0.01
Depreciation	0.26	0.16	0.22	0.21	0.24	0.22	0.25	0.23	0.34	0.28
Profit Before Tax	0.06	0.12	0.13	0.13	0.46	0.30	0.47	0.22	0.77	0.81
Tax %	33.33	16.67	38.46	23.08	26.09	26.67	31.91	27.27	24.68	24.69
Net Profit	0.04	0.10	0.08	0.10	0.34	0.23	0.32	0.17	0.58	0.60
EPS in Rs	—	—	—	—	—	—	—	—	—	—

Standalone Profit Loss (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Sales	10	11	11	11	14	18	21	24
Expenses	9.97	10	11	11	13	17	20	22
Operating Profit	0.20	0.29	0.31	0.52	0.58	1.02	1.22	1.51
OPM %	1.98	2.68	2.82	4.57	4.18	5.57	5.73	6.33
Other Income	0.07	0.07	0.07	0.05	0.06	0.03	0.02	0.05
Interest	0.01	0.02	0.02	0.01	0.01	0.01	0.00	0.01
Depreciation	0.11	0.16	0.15	0.41	0.38	0.45	0.47	0.56
Profit Before Tax	0.15	0.17	0.21	0.15	0.25	0.59	0.77	0.99
Tax %	28.73	31.89	29.39	26.03	25.99	25.99	25.17	25.20
Net Profit	0.11	0.12	0.15	0.11	0.19	0.44	0.58	0.74
EPS in Rs	—	—	—	—	—	—	—	—
Dividend Payout %	0.00	0.00	0.00	0.00	0.00	19.29	0.00	6.21

Standalone Balance Sheet (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	0.01	0.01	0.79	1.58	2.22	2.22	4.00	4.61
Reserves	0.51	0.63	1.35	0.67	1.44	1.79	0.59	2.70
Borrowings	0.05	0.10	0.15	0.05	0.12	0.08	1.02	0.14
Other Liabilities	2.88	3.41	1.60	1.65	0.24	1.06	1.04	0.70
Total Liabilities	3.45	4.16	3.90	3.94	4.03	5.14	6.65	8.14
Fixed Assets	0.29	0.60	0.81	0.72	0.88	0.83	0.87	0.92
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Assets	3.15	3.56	3.09	3.23	3.15	4.31	5.78	7.22
Total Assets	3.45	4.16	3.90	3.94	4.03	5.14	6.65	8.14

Standalone Cash Flows (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	0.98	0.33	-0.99	0.91	-1.17	0.98	-1.03	1.26
Cash from Investing Activity	-0.16	-0.41	-0.37	-0.32	-0.54	-0.42	-0.51	-0.62
Cash from Financing Activity	0.02	0.04	1.24	-0.12	1.29	-0.06	0.94	1.13
Net Cash Flow	0.85	-0.04	-0.12	0.47	-0.42	0.50	-0.59	1.77

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Jul 2021	Sep 2021	Mar 2022	Sep 2022	Mar 2023	Sep 2023	Mar 2024	Sep 2024	Mar 2025	Jun 2025	Jul 2025	Sep 2025
Promoters	71.11%	71.11%	71.11%	71.11%	71.11%	71.11%	71.11%	74.88%	74.75%	74.75%	74.75%	74.75%
FIIs	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
DIIs	1.89%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Public	27.00%	28.89%	28.89%	28.89%	28.89%	28.89%	28.89%	25.12%	25.25%	25.25%	25.25%	25.25%
Total Shareholders	104	74	69	60	58	59	70	68	94	114	114	118

Projection

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Announcements

Last 7 days

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Documents

Presentations

Concalls

Reports

Presentations

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Overview

Detailed Summary

The company has scaled operations, working with a vast customer database exceeding 2.5 lakh records, covering diverse loan categories with a pool size of over Rs. 2.50 Crores.

Focus Business Solution deploys a robust electronic retail collection administrative program, myrcap.in, that enhances debt recovery rates through task automation and efficient CRM systems.

Recently expanded its geographical presence by opening new branches in Mumbai, Nagpur, Pune, Aurangabad, and Indore, showcasing evolving business growth.

In July 2021, the company successfully raised Rs 1.21 Crore through an IPO, indicating financial momentum and public market entry.

Sector

Financial Services

Industry

Finance - Small

Market Cap

103 Cr

Volatility

Low Risk

P/E Ratio

139.2

Industry P/E

20.4

PEG Ratio

2.4

P/B Ratio

14.2

52W High

142.00

52W Low

50.63

Sales CAGR

11.99%

19.93%

17.14%

10Y

—

Profit CAGR

27.59%

57.97%

38.52%

10Y

—

ROE

TTM

14.52%

11.03%

9.40%

10Y

—

ROCE

TTM

19.31%

13.86%

12.02%

10Y

—

Financial Statements

AI Powered Summary

Discover detailed, AI-driven financial summaries that break down key metrics, trends, and insights—empowering you to make smarter investment decisions.

AI Mode

Standalone Half Yearly Results (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2021	Sep 2021	Mar 2022	Sep 2022	Mar 2023	Sep 2023	Mar 2024	Sep 2024	Mar 2025	Sep 2025
Sales	6.78	6.13	7.73	8.52	9.85	10	11	11	13	13
Expenses	6.49	5.90	7.38	8.20	9.14	9.74	10	10	12	12
Interest	0.00	0.00	0.01	0.01	0.00	0.00	0.00	0.00	0.01	0.01
Operating Profit	0.29	0.23	0.35	0.32	0.71	0.53	0.70	0.45	1.07	1.09
OPM %	4.28	3.75	4.53	3.76	7.21	5.16	6.32	4.22	8.08	8.66
Other Income	0.03	0.06	0.00	0.03	0.00	0.00	0.02	0.01	0.04	0.01
Depreciation	0.26	0.16	0.22	0.21	0.24	0.22	0.25	0.23	0.34	0.28
Profit Before Tax	0.06	0.12	0.13	0.13	0.46	0.30	0.47	0.22	0.77	0.81
Tax %	33.33	16.67	38.46	23.08	26.09	26.67	31.91	27.27	24.68	24.69
Net Profit	0.04	0.10	0.08	0.10	0.34	0.23	0.32	0.17	0.58	0.60
EPS in Rs	—	—	—	—	—	—	—	—	—	—

Standalone Profit Loss (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Sales	10	11	11	11	14	18	21	24
Expenses	9.97	10	11	11	13	17	20	22
Operating Profit	0.20	0.29	0.31	0.52	0.58	1.02	1.22	1.51
OPM %	1.98	2.68	2.82	4.57	4.18	5.57	5.73	6.33
Other Income	0.07	0.07	0.07	0.05	0.06	0.03	0.02	0.05
Interest	0.01	0.02	0.02	0.01	0.01	0.01	0.00	0.01
Depreciation	0.11	0.16	0.15	0.41	0.38	0.45	0.47	0.56
Profit Before Tax	0.15	0.17	0.21	0.15	0.25	0.59	0.77	0.99
Tax %	28.73	31.89	29.39	26.03	25.99	25.99	25.17	25.20
Net Profit	0.11	0.12	0.15	0.11	0.19	0.44	0.58	0.74
EPS in Rs	—	—	—	—	—	—	—	—
Dividend Payout %	0.00	0.00	0.00	0.00	0.00	19.29	0.00	6.21

Standalone Balance Sheet (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	0.01	0.01	0.79	1.58	2.22	2.22	4.00	4.61
Reserves	0.51	0.63	1.35	0.67	1.44	1.79	0.59	2.70
Borrowings	0.05	0.10	0.15	0.05	0.12	0.08	1.02	0.14
Other Liabilities	2.88	3.41	1.60	1.65	0.24	1.06	1.04	0.70
Total Liabilities	3.45	4.16	3.90	3.94	4.03	5.14	6.65	8.14
Fixed Assets	0.29	0.60	0.81	0.72	0.88	0.83	0.87	0.92
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Assets	3.15	3.56	3.09	3.23	3.15	4.31	5.78	7.22
Total Assets	3.45	4.16	3.90	3.94	4.03	5.14	6.65	8.14

Standalone Cash Flows (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	0.98	0.33	-0.99	0.91	-1.17	0.98	-1.03	1.26
Cash from Investing Activity	-0.16	-0.41	-0.37	-0.32	-0.54	-0.42	-0.51	-0.62
Cash from Financing Activity	0.02	0.04	1.24	-0.12	1.29	-0.06	0.94	1.13
Net Cash Flow	0.85	-0.04	-0.12	0.47	-0.42	0.50	-0.59	1.77

Oscillators

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Overall

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Moving Averages

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Overall

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Neutral

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Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
WSFX	61.00	135 Cr	—	4.68	0.88	-12.17	-11.15	-8.19
PIONRINV	104.04	122 Cr	9.53	0.74	0.00	7.78	12.64	3.44
FOCUS	142.00	103 Cr	139.22	14.15	0.04	14.52	19.31	13.70
MYMUDRA	83.85	96 Cr	10.61	1.79	0.00	19.59	22.78	14.75
CHRTEDCA	279.00	84 Cr	12.53	0.48	0.00	3.83	4.98	3.74
SIELFNS	55.24	61 Cr	—	0.00	0.00	9.04	-50.88	-60.44
SMIFS	105.20	60 Cr	21.16	0.38	0.00	1.81	2.75	1.68