Focus Business - Focus Business

📊 BSE: 543312 🏢 Computers - Software & Consulting 📅 Last Updated: 11/13/2025 15:25

💰 Financial Performance

Revenue Growth by Segment

The Company operates primarily in the debt recovery and collection segment (referred to as trading business in segment reporting), which generated INR 23.96 Cr (Rs. 2395.90 Lakhs) in FY 2024-25, representing a 12.15% YoY growth from INR 21.36 Cr in FY 2023-24.

Geographic Revenue Split

While specific regional percentages are not disclosed, the Company is headquartered in Surat, Gujarat, and is currently executing a strategy to transition from regional operations to PAN India coverage to serve national banks.

Profitability Margins

Net Profit Margin improved to 3.09% in FY 2024-25 compared to 2.69% in FY 2023-24. This margin expansion was driven by a 28.68% increase in Net Profit (INR 0.74 Cr) outpacing the 12.15% revenue growth.

EBITDA Margin

Not explicitly disclosed, but core operational profitability is reflected in the Net Profit growth of 28.68% YoY, reaching INR 0.74 Cr (Rs. 74.08 Lakhs) from INR 0.58 Cr (Rs. 57.57 Lakhs).

Capital Expenditure

Historical capital expenditure was supported by an Initial Public Offer (IPO) on the BSE SME platform in July 2021; specific INR Cr values for FY 2024-25 expansion are not disclosed.

Credit Rating & Borrowing

The Company identifies dependency on the banking sector as a threat; however, specific credit ratings and interest rate percentages for its own borrowings are not disclosed.

⚙️ Operational Drivers

Raw Materials

As a service-oriented debt recovery firm, the primary 'raw material' is Human Capital (Staffing), which accounts for the majority of operational costs due to the intensive staff requirement for field visits and calling.

Import Sources

Not applicable as the company provides services; however, technology solutions like IVR and digital tools are sourced domestically to support operations.

Key Suppliers

Not applicable; the company relies on its internal workforce of 98 employees and technology infrastructure rather than external raw material suppliers.

Capacity Expansion

Current capacity is driven by a workforce of 98 employees as of March 31, 2025. Expansion is focused on increasing headcount and geographical reach to achieve PAN India coverage.

Raw Material Costs

Staffing and human resource costs are the primary drivers; the company notes that intensive staff requirements and the need for specialized training in line with RBI guidelines are critical cost factors.

Manufacturing Efficiency

Efficiency is measured by collection success rates and functional efficiency in debt recovery; the company is currently focused on 'Enhancing Functional Efficiency' as a core strategic opportunity.

Logistics & Distribution

Distribution costs are represented by field visit expenses and legal service deployments across client locations.

📈 Strategic Growth

Expected Growth Rate

12.15%

Growth Strategy

Growth will be achieved through geographical expansion into new markets to achieve PAN India coverage, enhancing functional efficiency in collections, and leveraging its status as a listed entity to raise capital for venturing into new business lines.

Products & Services

Debt collection and recovery services including Tele-calling, Field visits, IVR Solutions, Voice blasts, E-mail Blasts, and Legal Services.

Brand Portfolio

Focus Business Solution Limited.

New Products/Services

The company is exploring 'new business' ventures enabled by its listed status and capital access, though specific revenue contributions are not yet quantified.

Market Expansion

Targeting PAN India coverage to move beyond current regional strongholds, focusing on leading banks and NBFCs across multiple Indian states.

Market Share & Ranking

Not disclosed; however, the company has over 20 years of experience in the debt recovery domain.

Strategic Alliances

Maintains established client bases with leading banks and financial institutions; specific joint venture partner names are not disclosed.

🌍 External Factors

Industry Trends

The industry is shifting toward digitalization (IVR, automated blasts) and tighter regulatory oversight by the RBI to ensure ethical recovery practices and data confidentiality.

Competitive Landscape

Intense competitive pressure due to no entry barriers, allowing new entrants to easily challenge established players.

Competitive Moat

Moat is built on 20 years of industry experience, cordial relations with major banking clients, and an established management team; however, sustainability is challenged by low entry barriers and intense competition.

Macro Economic Sensitivity

Highly sensitive to the banking sector's Non-Performing Asset (NPA) levels; an increase in debt stress in emerging markets creates higher demand for recovery services.

Consumer Behavior

Borrower behavior (delays and excuses) is a primary operational weakness that affects the timing and success rate of debt recovery.

Geopolitical Risks

Global geopolitical tensions and supply chain disruptions are noted as risks to the broader economy, which could indirectly impact domestic interest rates and borrower repayment capacity.

⚖️ Regulatory & Governance

Industry Regulations

Strict adherence to Reserve Bank of India (RBI) regulatory frameworks and specific codes of conduct set by banking clients is mandatory for operations.