Choice International Limited (CHOICEIN) AI Stock Analysis

• Market Cap: ₹168.68B
• Dividend Yield: N/A
• Average Volume (3M): 31.41K
• Price to Earnings (P/E): 89.0
• Beta (1Y): 0.91
• 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: 30,034
• 30 Day Avg. Volume: 31,409
• 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: ₹791.00
• Price Target Upside: -3.56% Downside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0

• Rating: 73 Outperform
• Price Target: ₹791.00 ▼(-3.56% Downside)

Choice International Limited's overall stock score is driven primarily by its strong financial performance, particularly in revenue growth and profitability. Technical analysis supports a positive outlook with bullish momentum. However, the high P/E ratio raises concerns about overvaluation, which tempers the overall score. The lack of earnings call data and significant corporate events limits further analysis.

Choice International Limited Business Overview & Revenue Model

Company Description

Choice International Limited (CHOICEIN) is a diversified company operating in various sectors including technology, finance, and consumer services. The company specializes in providing innovative solutions such as digital payment systems, e-commerce platforms, and financial technology services aimed at enhancing user experience and promoting efficiency in transactions. By leveraging advanced technology and strategic partnerships, CHOICEIN aims to cater to both individual consumers and businesses, facilitating seamless interactions in the digital economy.

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 financial health with robust revenue growth and substantial profitability as evidenced by high Gross and Net Profit Margins. However, cash flow management is a concern, with negative free and operating cash flows, indicating challenges in 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	9.46B	9.22B	7.55B	3.89B	2.64B	1.68B
Gross Profit	7.16B	8.47B	4.33B	3.74B	1.43B	943.71M
EBITDA	3.03B	2.30B	2.31B	1.10B	935.46M	422.16M
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: 820.20
• 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 820.2 is above the 20-day moving average (MA) of 804.70, above the 50-day MA of 797.89, and above the 200-day MA of 651.25, indicating a bullish trend. The MACD of 6.09 indicates Negative momentum. The RSI at 57.23 is Neutral, neither overbought nor oversold. The STOCH value of 81.99 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
CHOICEIN	73 Outperform	₹168.68B	89.00	―	―	12.17%	19.00%
GEOJITFSL	73 Outperform	₹22.03B	14.28	―	1.90%	4.68%	-12.79%
ANGELONE	72 Outperform	₹224.92B	28.66	―	1.92%	-12.65%	-42.72%
RELIGARE	62 Neutral	₹84.95B	73.10	―	―	12.98%	-37.79%
Sector *	55 Neutral	$13.29B	17.42	10.03%	0.93%	7.13%	-12.93%
EDELWEISS	50 Neutral	₹102.13B	24.51	―	1.38%	-4.82%	-7.73%