Choice International Limited (IN:CHOICEIN)
:CHOICEIN
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Choice International Limited
(CHOICEIN)
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Rating:65Neutral
Price Target:
₹685.00
▼(-19.49% Downside)
Action:DowngradedDate:10/23/25
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
Sustained revenue & EPS growth
Material top-line and earnings growth indicate durable demand and improving unit economics. ~23% revenue growth and ~47% EPS growth reflect scalable business operations and product adoption that should support reinvestment, margin preservation and long-term earnings stability.
Negative Factors
Weak cash conversion
Earnings are not translating into cash: negative operating cash flow and FCF undermine the sustainability of reported profits. Persistent cash conversion issues force reliance on external funding for operations and investments, posing a structural risk to liquidity and reinvestment plans.
Read all positive and negative factors
Positive Factors
Negative Factors
Sustained revenue & EPS growth
Material top-line and earnings growth indicate durable demand and improving unit economics. ~23% revenue growth and ~47% EPS growth reflect scalable business operations and product adoption that should support reinvestment, margin preservation and long-term earnings stability.
Read all positive factors
Choice International Limited (CHOICEIN) vs. iShares MSCI India ETF (INDA)
Market Cap
₹142.90B
Dividend YieldN/A
Average Volume (3M)24.51K
Price to Earnings (P/E)67.7
Beta (1Y)1.15
Revenue Growth12.17%
EPS Growth19.00%
CountryIN
Employees4,096
SectorServices
Sector StrengthN/A
IndustryFinancial - Capital Markets
Share Statistics
EPS (TTM)3.09
Shares Outstanding222,776,500
10 Day Avg. Volume23,802
30 Day Avg. Volume24,508
Financial Highlights & Ratios
PEG Ratio2.58
Price to Book (P/B)9.87
Price to Sales (P/S)11.15
P/FCF Ratio-39.64
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)15.03
Revenue Forecast (FY)₹15.04B
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
86
Very Positive
Balance Sheet
78
Positive
Cash Flow
62
Positive
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 9.80B | 9.10B | 7.50B | 3.89B | 2.76B | 1.65B |
| Gross Profit | 5.44B | 4.31B | 4.34B | 2.02B | 1.55B | 918.82M |
| EBITDA | 3.22B | 2.92B | 2.24B | 1.07B | 912.06M | 400.32M |
| Net Income | 1.90B | 1.63B | 1.31B | 600.68M | 535.76M | 167.10M |
Balance Sheet | ||||||
| Total Assets | 28.52B | 26.19B | 18.06B | 11.08B | 9.78B | 6.56B |
| Cash, Cash Equivalents and Short-Term Investments | 4.78B | 5.18B | 1.92B | 5.86B | 498.40M | 389.74M |
| Total Debt | 4.97B | 4.63B | 4.55B | 2.22B | 2.20B | 1.51B |
| Total Liabilities | 14.80B | 15.14B | 11.66B | 6.26B | 5.67B | 3.93B |
| Stockholders Equity | 12.24B | 10.27B | 6.31B | 4.77B | 4.10B | 2.63B |
Cash Flow | ||||||
| Free Cash Flow | -743.54M | -2.56B | -1.31B | 2.16B | -569.67M | -460.30M |
| Operating Cash Flow | -666.58M | -2.26B | -1.48B | 2.63B | -517.50M | -447.50M |
| Investing Cash Flow | -709.68M | -657.35M | -178.71M | -1.80B | -1.02B | 150.35M |
| Financing Cash Flow | 1.34B | 3.96B | 2.24B | -212.78M | 1.52B | 226.33M |
Choice International Limited Technical Analysis
Negative
850.80
Price Trends
718.31
Negative
756.73
Negative
763.50
Negative
Market Momentum
-27.45
Negative
44.25
Neutral
68.13
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:CHOICEIN, the sentiment is Negative. The current price of 850.8 is above the 20-day moving average (MA) of 641.41, above the 50-day MA of 718.31, and above the 200-day MA of 763.50, indicating a bearish trend. The MACD of -27.45 indicates Negative momentum. The RSI at 44.25 is Neutral, neither overbought nor oversold. The STOCH value of 68.13 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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 |
|---|---|---|---|---|---|---|---|
66 Neutral | ₹116.92B | 11.48 | ― | 2.93% | -10.92% | 152.70% | |
65 Neutral | ₹142.90B | 67.67 | ― | ― | 12.17% | 19.00% | |
65 Neutral | ₹223.76B | 19.80 | ― | 1.88% | -12.65% | -42.72% | |
64 Neutral | ₹16.16B | 40.70 | ― | 1.88% | -11.33% | -40.39% | |
62 Neutral | ₹72.54B | -45.03 | ― | ― | 8.35% | -50.99% | |
55 Neutral | $13.29B | 17.42 | 10.03% | 0.93% | 7.13% | -12.93% | |
55 Neutral | ₹101.58B | 9.45 | ― | 1.37% | -19.77% | -11.03% |
* Services Sector Average
IN:CHOICEIN
Choice International Limited
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Choice International Limited Corporate Events
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.