BSE: 543312 | NSE: | Business Support | Small Cap
Past 10 year's financial track record analysis by Moneyworks4me indicates that Focus Business Solution Ltd is a average quality company.
The key valuation ratios of Focus Business Solution Ltd's currently when compared to its past seem to suggest it is in the Overvalued zone.
The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Focus Business Solution Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
| Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | TTM | |
|---|---|---|---|---|---|---|---|---|
| ROCE % ⓘ | 25.6% | 25% | 14.3% | 6.8% | 9% | 16.1% | 16.4% | - |
| Value Creation Index ⓘ | 0.8 | 0.8 | 0.0 | -0.5 | -0.4 | 0.2 | 0.2 | - |
Growth Parameters ⓘGrowth Parameters Colour Code Guide ⓘ | ||||||||
| Sales ⓘ | 10.2 | 10.7 | 10.8 | 11.4 | 13.9 | 18.4 | 21.4 | 21 |
| Sales YoY Gr. | - | 4.9% | 1.6% | 4.9% | 21.9% | 32.5% | 16.3% | - |
| Adj EPS ⓘ | 1.3 | 1.3 | 1.1 | 0.4 | 0.5 | 1.1 | 1.4 | 1.3 |
| YoY Gr. | - | 6.4% | -20.3% | -64.2% | 23.7% | 134% | 30.9% | - |
| BVPS (₹) ⓘ | 4.3 | 5.6 | 14.9 | 7.8 | 8.6 | 9.6 | 11.2 | 14.1 |
| Adj Net Profit ⓘ | 0.1 | 0.1 | 0.2 | 0.1 | 0.2 | 0.4 | 0.6 | 1 |
| Cash Flow from Ops. ⓘ | 1 | 0.3 | -1 | 0.9 | -1.2 | 1 | -1 | - |
| Debt/CF from Ops. ⓘ | 0.1 | 0.8 | -0.2 | 0.1 | -0.1 | 0.1 | -1 | - |
CAGR Colour Code Guide ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||
|---|---|---|---|---|---|---|---|---|
| Sales ⓘ | NA | 14.9% | 23.4% | 16.3% | ||||
| Adj EPS ⓘ | NA | 1.6% | 55.9% | 30.9% | ||||
| BVPSⓘ | NA | 14.7% | 12.7% | 16.4% | ||||
| Share Price | - | - | 145.9% | 38.3% | ||||
Performance Ratio Colour Code Guide ⓘ
| Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | TTM | |
|---|---|---|---|---|---|---|---|---|
| Return on Equity % ⓘ | 21 | 20.3 | 10.8 | 4.9 | 6.4 | 11.4 | 13.4 | 9.9 |
| Op. Profit Mgn % ⓘ | 2 | 2.7 | 2.9 | 4.6 | 4.2 | 5.6 | 5.7 | NAN |
| Net Profit Mgn % ⓘ | 1.1 | 1.1 | 1.4 | 0.9 | 1.4 | 2.4 | 2.7 | 2.7 |
| Debt to Equity ⓘ | 0.3 | 0.5 | 0.1 | 0 | 0 | 0 | 0.2 | - |
| Working Cap Days ⓘ | 0 | 71 | 72 | 57 | 43 | 41 | 59 | 0 |
| Cash Conv. Cycle ⓘ | 0 | -20 | -17 | -15 | 4 | 22 | 45 | 0 |
Sales growth is growing at healthy rate in last 3 years 23.37%
Net Profit is growing at healthy rate in last 3 years 55.90%
Return on Equity has declined versus last 3 years average to 9.90%
Sales growth is not so good in last 4 quarters at 0.00%
| Standalone | Consolidated | |
|---|---|---|
| TTM EPS (₹) | 1.3 | - |
| TTM Sales (₹ Cr.) | 21.4 | - |
| BVPS (₹.) ⓘ | 14.1 | - |
| Reserves (₹ Cr.) ⓘ | 2 | - |
| P/BV ⓘ | 7.00 | - |
| PE ⓘ | 79.10 | - |
| From the Market | |
|---|---|
| 52 Week Low / High (₹) | 59.17 / 105.48 |
| All Time Low / High (₹) | 6.66 / 105.48 |
| Market Cap (₹ Cr.) | 45.5 |
| Equity (₹ Cr.) | 4.6 |
| Face Value (₹) | 10 |
| Industry PE ⓘ | 47.2 |
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| PARTICULARS | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|---|---|---|
| Sales | 10.17 | 10.67 | 10.84 | 11.37 | 13.86 | 18.36 | 21.35 |
| Operating Expenses ⓘ | 9.97 | 10.39 | 10.53 | 10.85 | 13.28 | 17.34 | 20.12 |
| Manufacturing Costs | 5.43 | 5.71 | 6.01 | 7.19 | 8.83 | 12.58 | 14.55 |
| Material Costs | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Employee Cost | 3.50 | 3.47 | 3.39 | 2.55 | 2.83 | 2.99 | 3.45 |
| Other Costs ⓘ | 1.04 | 1.20 | 1.13 | 1.11 | 1.63 | 1.76 | 2.12 |
| Operating Profit ⓘ | 0.20 | 0.29 | 0.31 | 0.52 | 0.58 | 1.03 | 1.23 |
| Operating Profit Margin (%) | 2.0% | 2.7% | 2.8% | 4.6% | 4.2% | 5.6% | 5.7% |
| Other Income ⓘ | 0.07 | 0.07 | 0.07 | 0.05 | 0.06 | 0.03 | 0.02 |
| Interest ⓘ | 0.01 | 0.02 | 0.02 | 0.01 | 0.01 | 0.01 | 0.01 |
| Depreciation ⓘ | 0.11 | 0.16 | 0.15 | 0.41 | 0.38 | 0.45 | 0.47 |
| Exceptional Items ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax ⓘ | 0.15 | 0.17 | 0.21 | 0.15 | 0.25 | 0.59 | 0.77 |
| Tax ⓘ | 0.04 | 0.06 | 0.06 | 0.04 | 0.07 | 0.15 | 0.19 |
| Profit After Tax | 0.11 | 0.12 | 0.15 | 0.11 | 0.19 | 0.44 | 0.58 |
| PAT Margin (%) | 1.1% | 1.1% | 1.3% | 0.9% | 1.4% | 2.4% | 2.7% |
| Adjusted EPS (₹) | 1.3 | 1.3 | 1.0 | 0.4 | 0.5 | 1.1 | 1.4 |
| Dividend Payout Ratio (%) | 0% | 0% | 0% | 0% | 0% | 19% | 0% |
| PARTICULARS | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | |||
|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | ||||||||||
| Shareholders Fund | 0.38 | 0.50 | 2.14 | 2.25 | 3.66 | 4.01 | 4.59 | |||
| Share Capital ⓘ | 0.01 | 0.01 | 0.79 | 1.58 | 2.22 | 2.22 | 4 | |||
| Reserves ⓘ | 0.37 | 0.49 | 1.35 | 0.67 | 1.44 | 1.79 | 0.59 | |||
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||
| Debt | 0.05 | 0.10 | 0.15 | 0.05 | 0.12 | 0.08 | 1.02 | |||
| Long Term Debt | 0.05 | 0.10 | 0.15 | 0.05 | 0.12 | 0.08 | 1.02 | |||
| Short Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||
| Trade Payables | 0.61 | 0.81 | 0.54 | 0.83 | 0 | 0.48 | 0.02 | |||
| Others Liabilities ⓘ | 2.38 | 2.71 | 1.09 | 0.76 | 0.19 | 0.49 | 0.93 | |||
| Total Liabilities ⓘ | 3.42 | 4.12 | 3.93 | 3.89 | 3.97 | 5.06 | 6.56 | |||
Fixed Assets | ||||||||||
| Gross Block | 0.89 | 1.36 | 1.63 | 1.95 | 2.49 | 2.89 | 3.40 | |||
| Accumulated Depreciation | 0.59 | 0.76 | 0.82 | 1.23 | 1.61 | 2.06 | 2.53 | |||
| Net Fixed Assetsⓘ | 0.29 | 0.60 | 0.81 | 0.72 | 0.88 | 0.83 | 0.87 | |||
| CWIP ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||
| Investmentsⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||
| Inventories | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||
| Trade Receivables | 0.14 | 0.22 | 0.22 | 0.32 | 0.89 | 1.90 | 3.99 | |||
| Cash Equivalents | 1.28 | 1.23 | 1.11 | 1.59 | 1.16 | 1.66 | 1.07 | |||
| Others Assetsⓘ | 1.71 | 2.06 | 1.79 | 1.27 | 1.04 | 0.67 | 0.64 | |||
| Total Assets ⓘ | 3.42 | 4.12 | 3.93 | 3.89 | 3.97 | 5.06 | 6.56 | |||
| PARTICULARS | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|---|---|---|
| Cash Flow From Operating Activity ⓘ | 0.98 | 0.33 | -0.99 | 0.91 | -1.17 | 0.98 | -1.03 |
| PBT ⓘ | 0.15 | 0.17 | 0.21 | 0.15 | 0.25 | 0.59 | 0.77 |
| Adjustment ⓘ | 0.11 | 0.18 | 0.18 | 0.42 | 0.39 | 0.46 | 0.47 |
| Changes in Working Capital ⓘ | 0.74 | 0.03 | -0.45 | 0.66 | -1.33 | 0.49 | -1.71 |
| Tax Paid ⓘ | -0.03 | -0.05 | -0.92 | -0.32 | -0.48 | -0.56 | -0.55 |
| Cash Flow From Investing Activity ⓘ | -0.16 | -0.41 | -0.37 | -0.32 | -0.54 | -0.42 | -0.51 |
| Capex | -0.12 | -0.47 | -0.37 | -0.32 | -0.54 | -0.40 | -0.51 |
| Net Investments | 0 | 0 | 0 | 0 | 0 | -0.02 | 0 |
| Others ⓘ | -0.04 | 0.06 | 0 | 0 | 0 | 0 | 0 |
| Cash Flow From Financing Activityⓘ | 0.02 | 0.04 | 1.24 | -0.12 | 1.29 | -0.06 | 0.94 |
| Net Proceeds from Shares ⓘ | 0 | 0 | 1.36 | 0 | 1.22 | 0 | 0 |
| Net Proceeds from Borrowing ⓘ | 0 | 0 | -0.10 | -0.11 | 0.08 | -0.05 | 0.95 |
| Interest Paid ⓘ | -0.01 | -0.02 | -0.02 | -0.01 | -0.01 | -0.01 | 0 |
| Dividend Paid ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Others ⓘ | 0.03 | 0.05 | 0 | 0 | 0 | 0 | 0 |
| Net Cash Flow ⓘ | 0.85 | -0.04 | -0.12 | 0.47 | -0.42 | 0.50 | -0.59 |
| PARTICULARS | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | |||
|---|---|---|---|---|---|---|---|---|---|---|
| Ratios | ||||||||||
| ROE (%) | 28.93 | 26.83 | 11.13 | 4.95 | 6.63 | 12.02 | 13.81 | |||
| ROCE (%) | 25.61 | 24.99 | 14.28 | 6.8 | 9.03 | 16.1 | 16.44 | |||
| Asset Turnover Ratio | 2.97 | 2.83 | 2.69 | 2.91 | 3.53 | 4.07 | 3.67 | |||
| PAT to CFO Conversion(x) | 8.91 | 2.75 | -6.6 | 8.27 | -6.16 | 2.23 | -1.78 | Working Capital Days | ||
| Receivable Days | 5 | 6 | 7 | 9 | 16 | 28 | 50 | |||
| Inventory Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||
| Payable Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||
Focus Business Solution has been evolved as a financial services company and is engaged in the business of debt collection services for Banks, NBFC and financial institutions. It enters the agreement with India’s leading banks, financial institutions and non-banking financial companies to act as authorized recovery/collection agents on behalf of them. It focuses strategically timed action based on aging of delinquent account with emphasis of traditional methods such as tele-calling and field visits. It deploy its manpower to visit and collect overdue payments of loans / credit cards / credit facilities advanced to borrowers by its clients, who engage with it in service agreements. In occasional cases, it need to trace the new address and contact details of borrowers as delinquent borrowers may relocate their address. The company through its call centre also do follow up over tele-calls, to the defaulters for overdue payments. It has fully equipped call centre with 64 work station along with call recording, dialler and CRM facility. It also do repossessions of vehicles or other hypothecated assets on the request of its clients, in case defaulting borrowers unable to repay of its loan overdue.
The company is strictly bound by code of conduct issued by banks and financial institutions in accordance with RBI guidelines of Fair Practices code. Such code of conduct is strictly followed during visit to borrowers as well as during follow up calls. Internal records are maintained to monitor the performance of each field executive and back-office staff. Daily checking of receipt books to avoid any discrepancies. Prompt feedback and daily reporting to Collection Manager regarding collection and repossessions are part of its business process. It has robust electronic retail collection administrative programme (RCAP) i.e. myrcap.in, which is an intelligent debt recovery solution and can deliver high Promise-to-Pay (PTP) rates effectively. Automating daily operational task of collection agents minimizes the time spent on unproductive task so that they can dedicate working time to critical issues.
Business area of the company
The company is engaged in the business of debt collection and recovery services for banks, financial institutions, and NBFCs. It takes strategic actions on delinquent accounts to recover overdue payments of loans, credit cards, and other credit facilities from customers.
Major events and milestone:
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Funds ranking in screeners: Performance Consistency and Quality are two parameters used for ranking funds for SIP. The ranking as follows GG, GO, GR, OG, OO, OR, RG, RO and RR.
With the same color-coded funds, the one with the higher Average 3-year rolling returns (over 5 to 10 years), the number that appears in the Performance tag, ranks higher.
Here is the summary:
The third tag Upside Potential is not relevant for SIP. It is relevant for lumpsum investments in Mutual Funds.
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