Choice International Limited (IN:CHOICEIN)
:CHOICEIN
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Choice International Limited
(CHOICEIN)
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Rating:52Neutral
Price Target:
₹710.00
▼(-16.55% Downside)
Action:ReiteratedDate:04/26/26
The score is held back primarily by weak and inconsistent cash generation alongside a notable 2026 debt increase, despite strong revenue/profit growth. Technicals are mildly supportive in the short term but remain weaker versus longer-term averages, and the high P/E limits valuation support.
Positive Factors
Revenue & Earnings Growth
Sustained top-line and earnings expansion indicates the business is gaining market share or scaling fee/transaction volumes. Durable revenue and EPS growth (Fundamentals: RevenueGrowth ~24%, EpsGrowth ~39%) provide capacity to invest in products, hire talent, and fund strategic initiatives over 2–6+ months.
Negative Factors
Weak and Inconsistent Cash Generation
Persistent negative operating and free cash flow means reported profits are not converting to cash, limiting the firm's ability to self-fund capex, pay down debt, or return capital. Over months this undermines financial flexibility and raises reliance on external financing during downturns.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue & Earnings Growth
Sustained top-line and earnings expansion indicates the business is gaining market share or scaling fee/transaction volumes. Durable revenue and EPS growth (Fundamentals: RevenueGrowth ~24%, EpsGrowth ~39%) provide capacity to invest in products, hire talent, and fund strategic initiatives over 2–6+ months.
Read all positive factors
Choice International Limited (CHOICEIN) vs. iShares MSCI India ETF (INDA)
Market Cap
₹156.50B
Dividend YieldN/A
Average Volume (3M)24.51K
Price to Earnings (P/E)67.7
Beta (1Y)1.22
Revenue Growth24.18%
EPS Growth39.07%
CountryIN
Employees4,096
SectorServices
Sector StrengthN/A
IndustryFinancial - Capital Markets
Share Statistics
EPS (TTM)N/A
Shares Outstanding222,776,500
10 Day Avg. Volume23,802
30 Day Avg. Volume24,508
Financial Highlights & Ratios
PEG Ratio1.40
Price to Book (P/B)7.03
Price to Sales (P/S)10.27
P/FCF Ratio-31.83
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
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 ...
How the Company Makes Money
null...
Choice International Limited Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
66
Positive
Cash Flow
34
Negative
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 9.80B | 11.45B | 9.10B | 7.50B | 3.89B | 2.76B |
| Gross Profit | 5.44B | 10.16B | 4.31B | 4.34B | 2.02B | 1.55B |
| EBITDA | 3.22B | 3.36B | 2.92B | 2.24B | 1.07B | 912.06M |
| Net Income | 1.90B | 2.18B | 1.63B | 1.31B | 600.68M | 535.76M |
Balance Sheet | ||||||
| Total Assets | 28.52B | 35.66B | 26.19B | 18.06B | 11.08B | 9.78B |
| Cash, Cash Equivalents and Short-Term Investments | 4.78B | 6.44B | 5.18B | 1.92B | 5.86B | 498.40M |
| Total Debt | 4.97B | 9.08B | 4.63B | 4.55B | 2.22B | 2.20B |
| Total Liabilities | 14.80B | 17.42B | 15.14B | 11.66B | 6.26B | 5.67B |
| Stockholders Equity | 12.24B | 16.72B | 10.27B | 6.31B | 4.77B | 4.10B |
Cash Flow | ||||||
| Free Cash Flow | -743.54M | -3.69B | -2.56B | -1.31B | 2.16B | -569.67M |
| Operating Cash Flow | -666.58M | -2.67B | -2.26B | -1.48B | 2.63B | -517.50M |
| Investing Cash Flow | -709.68M | -2.77B | -657.35M | -178.71M | -1.80B | -1.02B |
| Financing Cash Flow | 1.34B | 6.00B | 3.96B | 2.24B | -212.78M | 1.52B |
Choice International Limited Technical Analysis
Neutral
850.80
Price Trends
702.80
Positive
747.68
Negative
763.22
Negative
Market Momentum
7.42
Negative
61.46
Neutral
92.18
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:CHOICEIN, the sentiment is Neutral. The current price of 850.8 is above the 20-day moving average (MA) of 655.32, above the 50-day MA of 702.80, and above the 200-day MA of 763.22, indicating a neutral trend. The MACD of 7.42 indicates Negative momentum. The RSI at 61.46 is Neutral, neither overbought nor oversold. The STOCH value of 92.18 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IN:CHOICEIN.
Choice International Limited Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
70 Outperform | ₹286.69B | 22.55 | ― | 1.88% | -1.82% | -22.50% | |
66 Neutral | ₹132.65B | 11.48 | ― | 2.93% | -8.15% | 225.18% | |
64 Neutral | ₹17.98B | 40.70 | ― | 1.88% | -14.93% | -51.92% | |
62 Neutral | ₹73.39B | -45.03 | ― | ― | 11.47% | -32.03% | |
55 Neutral | $13.29B | 17.42 | 10.03% | 0.93% | 7.13% | -12.93% | |
55 Neutral | ₹112.67B | 9.45 | ― | 1.37% | 10.17% | 17.92% | |
52 Neutral | ₹156.50B | 67.67 | ― | ― | 24.18% | 39.07% |
* Services Sector Average
IN:CHOICEIN
Choice International Limited
702.50
79.90
12.83%
IN:ANGELONE
Angel One Limited
314.75
85.19
37.11%
IN:EDELWEISS
Edelweiss Financial Services Limited
119.03
38.25
47.35%
IN:GEOJITFSL
Geojit Financial Services Ltd
64.41
-10.73
-14.28%
IN:JMFINANCIL
JM Financial Limited
138.70
37.12
36.54%
IN:RELIGARE
Religare Enterprises Limited
220.45
4.10
1.90%
Choice International Limited Corporate Events
Choice International Confirms Full Conversion and Compliant Use of Preferential Warrant Proceeds
Apr 23, 2026
Choice International Limited has reported on the utilisation of funds raised through a preferential issue of share warrants, in line with SEBI’s listing and capital-raising regulations. The company confirmed that all warrants have been fully...
Choice International Publishes Postal Ballot Notice in Line With SEBI Norms
Apr 11, 2026
Choice International Limited has announced that it has published a postal ballot notice in two newspapers, Business Standard (English) and Prathakaal (Marathi), in line with Regulation 47 of the SEBI Listing Obligations and Disclosure Requirements...
Choice International Seeks Shareholder Nod on Director Appointment and Higher Investment Limits via Postal Ballot
Apr 10, 2026
Choice International Limited has initiated a postal ballot process to seek shareholder approval for key governance and funding-related decisions, using remote e-voting facilitated by Central Depository Services (India) Limited. The ballot covers t...
Choice International Re-attaches Unaudited December 2025 Results to Meet SEBI Disclosure Norms
Feb 5, 2026
Choice International Limited has re-attached its unaudited standalone and consolidated financial results for the quarter and nine months ended December 31, 2025, originally disclosed on February 3, 2026, to ensure compliance with Regulation 30 of ...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.