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Focus Business Solution
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The Company was originally incorporated at Gujarat as 'Focus Business Solution Private Limited' on 10th November, 2006 under the provisions of Companies Act, 1956 vide Certificate of Incorporation issued by the Registrar of Companies, Gujarat, Dadra and Nagar Haveli. Consequent, upon the conversion of Company into Public Limited, name of the Company was changed to 'Focus Business Solution Limited' vide fresh Certificate of Incorporation on 24th March, 2020 issued by the Registrar of Companies, Ahmedabad, Gujarat. Mr. Mohamedamin Mohammad Nathani and Mr. Mohamedyaseen Muhammadbhai Nathani have laid the foundation of Company and since then heading the Company.
The Company has been evolved as a financial services company and is engaged in the business of debt collection services for Banks, NBFC and financial institutions. The Company has entered into agreements with India's leading banks, financial institutions and non-banking financial companies to act as authorized recovery/collection agents on behalf of them. The Company focus strategically timed action based on aging of delinquent account with emphasis of traditional methods such as tele-calling and field visits. The Company deploy manpower to visit and collect overdue payments of loans / credit cards / credit facilities advanced to borrowers by clients, who are engaged with service agreements. In occasional cases, the Company need to trace new address and contact details of borrowers as delinquent borrowers may relocate their address.
The Company through call centre do follow up over telecalls, to the defaulters for overdue payments. The Company has a fully equipped call centre with 64 workstation along with call recording, dialer and CRM facility. It also does repossessions of vehicles or other hypothecated assets on the request of clients, in case, the defaulting borrowers are unable to repay of its loan over dues.
The Company have worked on over two lakhs customer's data base from pickup to recovery category of all kind of products such as personal loan, business loan, vehicle loan, loan against properties, two wheeler loan, equipment loan, SME loans, Gold loan with different banks and NBFCs with pool size of more than Rs. 200 Crores. The Company Promoters are working from head office based in Surat and branches at Baroda, Bharuch, Vapi, Anand, Ahmedabad, Rajkot, Palanpur and call centre from another branch at Surat. The Company has a staff strength of around 551 which included 58 staff on payroll and 493 staff hired on contractual basis and each of the staff is fully trained and all types of assignment like recovery, collection, field investigation and other allied services.
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 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 the part of Company's business process.
The Company have a 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. The Company has a scalable, modern and sophisticated technology infrastructure capable of servicing clients from pickup to recovery and every offices are well equipped with modern amenities and facilities like computer, fax, IP Cameras, internet, dialer, smart CRM and mobile application.
The Company is using digital ways to strengthen services like Mobile Application i.e. 'fTouch' to track manpower, allotment of task, punching defaulters' response, commitments and queries, using dialer for tele-calling to payment reminders to defaulters of its clients. The Company has entered in to an agreement dated 1st April, 2019 with Nathani Software Pvt. Ltd. for availing all these digital services.
The Company issued 7,90,000 Equity Shares by way of Bonus Shares in the ratio of 1:1 (i.e. one fully paid equity shares for every one equity shares already held) and the said Bonus Shares were allotted at the meeting of the Board of Directors held on 06th October, 2020.
Focus Business Solution share price reflects investor sentiment toward the company and is impacted by various factors such as financial performance, market trends, and economic conditions. Share price is an indicator which shows the current value of the company's shares at which buyers or sellers can transact.
Market capitalization of Focus Business Solution indicates the total value of its outstanding shares. Marketcap is calculated by multiplying share price and outstanding shares of the company. It is a helpful metric for assessing the company's size and market Valuation. It also helps investors understand how Focus Business Solution is valued compared to its competitors.
Focus Business Solution PE ratio helps investors understand what is the market value of each stock compared to Focus Business Solution 's earnings. A PE ratio higher than the average industry PE could indicate an overvaluation of the stock, whereas a lower PE compared to the average industry PE could indicate an undervaluation.
The PEG ratio of Focus Business Solution evaluates its PE ratio in relation to its growth rate. A PEG ratio of 1 indicates a fair value, a PEG ratio of less than 1 indicates undervaluation, and a PEG ratio of more than 1 indicates overvaluation.
Return on Equity (ROE) measures how effectively Focus Business Solution generates profit from shareholders' equity. A higher ROE of more than 20% indicates better financial performance in terms of profitability.
Return on Capital Employed (ROCE) evaluates the profitability of Focus Business Solution in relation to its capital employed. In simple terms, ROCE provides insight to investors as to how well the company is utilizing the capital deployed. A high ROCE of more than 20% shows that the business is making profitable use of its capital.
Total debt of Focus Business Solution shows how much the company owes to either banks or individual creditors. In simple terms, this is the amount the company has to repay. Total debt can be a very useful metric to show the financial health of the company. Total debt more than equity is considered to be a bad sign.
The Debt-to-Equity (DE) ratio of Focus Business Solution compares its total debt to shareholders' equity. A higher Debt to Equity ratio could indicate higher financial risk, while a lower ratio suggests that the company is managing its debt efficiently.
CAGR shows the consistent growth rate of Focus Business Solution over a specific period, whether it is over a month, a year, or 10 years. It is a key metric to evaluate the company’s long-term growth potential. Main metrics for which CAGR is calculated are net sales, net profit, operating profit, and stock returns.
Technical analysis of Focus Business Solution helps investors get an insight into when they can enter or exit the stock. Key components of Focus Business Solution Technical Analysis include:
There are usually multiple support levels, but the main support levels for a stock are S1, S2, S3. Support levels indicate price points where stock might get support from buyers, helping the stock stop falling and rise.
There are usually multiple resistance levels, but the main resistance levels for a stock are R1, R2, R3. Resistance levels represent price points where Focus Business Solution shares often struggle to rise above due to selling pressure.
Dividends refer to the portion of the company’s profits distributed to its shareholders. Dividends are typically paid out in cash and reflect Focus Business Solution ’s financial health and profitability.
Bonus shares are usually given by companies to make the stock more affordable, increase liquidity, boost investor confidence, and more.
Stock split increases the number of its outstanding shares by dividing each existing share into multiple shares. When the company offers a stock split, the face value of the stock reduces in the same proportion as the split ratio.
The financials of Focus Business Solution provide a complete view to investors about its net sales, net profit, operating profits, expenses, and overall financial health. Investors can analyze financial data to assess the company’s stability and also understand how the company has been growing financially.
The profit and loss statement of Focus Business Solution highlights its net sales, net profit, total expenditure, and operating profits in the current financial year. This Profit and Loss statement is crucial for evaluating the profitability and financial stability of Focus Business Solution .
The balance sheet presents a snapshot of Focus Business Solution ’s assets, liabilities, and equity of shareholders, providing insights into the financials of the company.
Cashflow statements track the company's cash inflows and outflows over a period. It is an essential tool for understanding how well the company manages its liquidity and finances.