Choice International Limited (CHOICEIN) AI Stock Analysis

• Market Cap: ₹160.22B
• Dividend Yield: N/A
• Average Volume (3M): 24.51K
• Price to Earnings (P/E): 84.5
• Beta (1Y): 0.87
• Revenue Growth: 12.17%
• EPS Growth: 19.00%
• Country: IN
• Employees: 4,096
• Sector: Services
• Sector Strength: N/A
• Industry: Financial - Capital Markets
• EPS (TTM): 2.81
• Shares Outstanding: 205,655,500
• 10 Day Avg. Volume: 23,802
• 30 Day Avg. Volume: 24,508
• PEG Ratio: 2.58
• Price to Book (P/B): 9.87
• Price to Sales (P/S): 11.00
• P/FCF Ratio: -39.64
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 65 Neutral
• Price Target: ₹881.00 ▲(8.99% Upside)

Choice International Limited's overall stock score is driven by strong financial performance and positive technical indicators. However, the high P/E ratio and lack of dividend yield suggest potential overvaluation, which tempers the overall score. The absence of earnings call data and corporate events means these factors do not influence the score.

Positive Factors

Revenue Growth

The company's strong revenue growth indicates its ability to expand market reach and enhance product adoption, supporting long-term business sustainability.

Profit Margins

High profit margins reflect effective cost control and pricing strategies, contributing to sustained profitability and competitive advantage.

Equity Position

A strong equity position provides financial stability and flexibility, enabling the company to invest in growth opportunities and withstand economic fluctuations.

Negative Factors

Negative Cash Flows

Negative cash flows indicate potential liquidity issues, which could limit the company's ability to fund operations and growth initiatives without external financing.

Debt Levels

Rising debt levels may increase financial risk and interest obligations, potentially impacting long-term financial health and operational flexibility.

Cash Conversion

Inefficient cash conversion can hinder the company's ability to reinvest in its business, affecting growth and operational efficiency over time.

Choice International Limited Business Overview & Revenue Model

Company Description

Choice International Limited, together with its subsidiaries, provides various financial services in India. The company operates through four segments: NBFC & Other Services, Broking & Distribution services, Consulting & Outsourcing Services, and Technical Services. It offers investment banking services, such as mergers and acquisitions, private equity, venture capital, angel investments, pipe deals, management and leverage buyouts, and strategic advisory; corporate finance, including working capital finance, corporate loans, bank guarantee, letter of credit, trade finance, project finance, mezzanine finance, and corporate debt restructuring advisory; and merchant banking comprising initial public offering (IPO), qualified institutional placement, rights issue, follow on issues, buy backs, takeovers, institutional trading platform, and pre-IPO placement. The company also provides IPO readiness services, including pre-IPO due diligence, ROC compliance, corporate governance, DHRP documentation, financial statements, promoter group and group entities, timing the market, and expedite the IPO journey; management consulting services comprising business and transaction advisory, taxation, governance, risk and compliance, business process management, and corporate services; government advisory services; tax advisory services; and IT solutions, such as cloud and enterprise software, ERP/CRM/SAAS integration, managed database and security, bot development, system integration, and managed services. In addition, it offers equity and equity derivative, currency derivative, and commodity derivative trading; wealth management services, which include research and advisory, financial planning, and capital gain bonds; insurance broking services; housing, personal, and business loans; and depository, mutual fund distribution, and portfolio management services. Choice International Limited was incorporated in 1993 and is based in Mumbai, India.

How the Company Makes Money

CHOICEIN generates revenue primarily through transaction fees from its digital payment systems, which charge merchants a percentage of each sale processed. Additionally, the company earns income from subscription services offered to businesses using its e-commerce and financial technology platforms. These subscriptions provide access to premium features and analytics tools that enhance business operations. Significant partnerships with banks and financial institutions also contribute to its earnings by expanding its service offerings and increasing user acquisition. Furthermore, CHOICEIN's investment in advertising and promotional services for businesses on its platforms creates an additional revenue stream, solidifying its position in the market.

Choice International Limited Financial Statement Overview

Summary

Choice International Limited shows strong growth and profitability in its income statement, with robust revenue growth and impressive profit margins. The balance sheet is stable with a strong equity position, though the cash flow statement reveals challenges with negative operating cash flows, indicating a need for improved cash conversion.

Income Statement

Choice International Limited has demonstrated robust revenue growth, with a substantial increase from 2024 to 2025. The Gross Profit Margin is impressive, indicating efficient cost management, and the Net Profit Margin remains strong, signaling profitability. EBIT and EBITDA margins are healthy, reflecting solid operational performance.

Balance Sheet

The company maintains a strong equity position, with a high Equity Ratio. The Debt-to-Equity Ratio is manageable, although it has increased slightly, suggesting a moderate level of leverage. Return on Equity is commendable, indicating good returns for shareholders.

Cash Flow

The cash flow statement reveals challenges, with negative Free Cash Flow and Operating Cash Flow in recent years. The Operating Cash Flow to Net Income Ratio is unfavorable, indicating that earnings are not translating into cash flow effectively. However, financing activities have provided liquidity.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	9.43B	9.10B	7.50B	3.89B	2.76B	1.65B
Gross Profit	4.62B	4.31B	4.34B	2.02B	1.55B	918.82M
EBITDA	3.21B	2.92B	2.24B	1.07B	912.06M	400.32M
Net Income	1.79B	1.63B	1.31B	600.68M	535.76M	167.10M
Balance Sheet
Total Assets	0.00	26.19B	18.06B	11.08B	9.78B	6.56B
Cash, Cash Equivalents and Short-Term Investments	0.00	5.18B	1.92B	5.86B	498.40M	389.74M
Total Debt	0.00	4.63B	4.55B	2.22B	2.20B	1.51B
Total Liabilities	-11.06B	15.14B	11.66B	6.26B	5.67B	3.93B
Stockholders Equity	11.06B	10.27B	6.31B	4.77B	4.10B	2.63B
Cash Flow
Free Cash Flow	0.00	-2.56B	-1.31B	2.16B	-569.67M	-460.30M
Operating Cash Flow	0.00	-2.26B	-1.48B	2.63B	-517.50M	-447.50M
Investing Cash Flow	0.00	-657.35M	-178.71M	-1.80B	-1.02B	150.35M
Financing Cash Flow	0.00	3.96B	2.24B	-212.78M	1.52B	226.33M

Choice International Limited Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 808.35
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:CHOICEIN, the sentiment is Positive. The current price of 808.35 is above the 20-day moving average (MA) of 798.11, above the 50-day MA of 804.43, and above the 200-day MA of 689.93, indicating a bullish trend. The MACD of -1.45 indicates Negative momentum. The RSI at 54.09 is Neutral, neither overbought nor oversold. The STOCH value of 80.93 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:CHOICEIN.

Choice International Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ANGELONE	76 Outperform	₹228.67B	29.14	―	1.78%	-12.65%	-42.72%
GEOJITFSL	73 Outperform	₹20.23B	17.18	―	2.03%	-11.33%	-40.39%
JMFINANCIL	66 Neutral	₹158.25B	14.33	―	2.89%	-10.92%	152.70%
CHOICEIN	65 Neutral	₹160.22B	84.53	―	―	12.17%	19.00%
RELIGARE	62 Neutral	₹86.74B	73.79	―	―	8.35%	-50.99%
Sector *	55 Neutral	$13.29B	17.42	10.03%	0.93%	7.13%	-12.93%
EDELWEISS	55 Neutral	₹104.30B	24.16	―	1.36%	-19.77%	-11.03%

Choice International Limited Corporate Events

Choice International Limited Reports Steady Financial Performance for Q2 2025

Choice International Limited announced the approval of its un-audited standalone and consolidated financial results for the quarter and half-year ended September 30, 2025. The company reported a total income of Rs. 28,409.94 lakhs for the quarter, with a net profit before tax of Rs. 7,441.38 lakhs. The results indicate a steady financial performance, reflecting the company’s robust operational strategies and market positioning. This announcement is likely to reinforce stakeholder confidence and support the company’s growth trajectory in the financial services sector.

Choice International Releases Q2 & H1 FY26 Financial Results

Choice International Limited has released its investor presentation for the quarter and half-year ending September 30, 2025, highlighting its un-audited financial results. This announcement is significant for stakeholders as it provides insights into the company’s financial health and operational performance, potentially impacting its market positioning and investor confidence.