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Choice International Limited (CHOICEIN) AI Stock Analysis
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Choice International Limited
(NSE:CHOICEIN)
The score is held back primarily by weak cash conversion (negative operating and free cash flow in most years) alongside a notable 2026 debt increase, which raises financial risk. Technicals also point to a bearish setup with price below key moving averages and weak momentum. Despite solid revenue and earnings growth, the high P/E (~61) provides limited valuation cushion.
Choice International Limited (CHOICEIN) vs. iShares MSCI India ETF (INDA)
- Market Cap
- INR 160.70B
- Dividend Yield
- ―
- Average Volume (3M)
- 28.52K
- Price to Earnings (P/E)
- 61.8
- Beta (1Y)
- 1.41
- Revenue Growth
- 28.51%
- EPS Growth
- 27.16%
- Country
- India
- Employees
- 5,258
- Sector
- General
- Sector Strength
- 55
- Industry
- Financial - Capital Markets
Choice International Limited Business Overview & Revenue Model
Company Description
Choice International Limited, an Indian financial services provider established in 1993 and headquartered in Mumbai, delivers a comprehensive suite of financial solutions across the nation. The company's operations are distinctly organized into four...
Choice International Limited Financial Statement Overview
Summary
Strong revenue and earnings growth with healthy reported margins, but the overall financial picture is weakened by persistently negative operating and free cash flow in most years and a sharp increase in 2026 debt (~9.1B vs ~4.6B in 2025), elevating funding and balance-sheet risk.
Income Statement
78PositiveBalance Sheet
66PositiveCash Flow
34Negative| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 12.13B | 11.45B | 9.10B | 7.50B | 3.89B | 2.76B |
| Gross Profit | 9.69B | 10.16B | 4.31B | 4.34B | 2.02B | 1.55B |
| EBITDA | 4.04B | 3.36B | 2.92B | 2.24B | 1.07B | 912.06M |
| Net Income | 2.39B | 2.18B | 1.63B | 1.31B | 600.68M | 535.76M |
Balance Sheet | ||||||
| Total Assets | 0 | 35.66B | 26.19B | 18.06B | 11.08B | 9.78B |
| Cash, Cash Equivalents and Short-Term Investments | 0 | 6.44B | 5.18B | 1.92B | 5.86B | 498.40M |
| Total Debt | 0 | 9.08B | 4.63B | 4.55B | 2.22B | 2.20B |
| Total Liabilities | -18.24B | 17.42B | 15.14B | 11.66B | 6.26B | 5.67B |
| Stockholders Equity | 18.24B | 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
Price Trends
Market Momentum
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 721.45 is below the 20-day moving average (MA) of 722.16, below the 50-day MA of 748.18, and below the 200-day MA of 736.25, indicating a bearish trend. The MACD of -7.94 indicates Negative momentum. The RSI at 46.48 is Neutral, neither overbought nor oversold. The STOCH value of 76.23 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
Overall Rating
IN:ANGELONE79Outperform
IN:IIFLCAPS69Neutral
IN:5PAISA65Neutral
IN:MOTILALOFS54.6Neutral- IN:CHOICEIN48Neutral
IN:EDELWEISS46Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| IN:ANGELONE | 79Outperform | INR 258.83B | 22.26 | ― | 2.28% | 21.45% | 46.53% |
| IN:IIFLCAPS | 69Neutral | INR 109.58B | 17.74 | ― | 0.86% | 7.60% | 3.87% |
| IN:5PAISA | 65Neutral | INR 10.12B | 28.05 | ― | ― | 8.94% | -23.92% |
| Sector * | 55Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
| IN:MOTILALOFS | 55Neutral | INR 564.99B | 21.02 | ― | 0.64% | 44.44% | 32.75% |
| IN:CHOICEIN | 48Neutral | INR 160.72B | 61.81 | ― | ― | 28.51% | 27.16% |
| IN:EDELWEISS | 46Neutral | INR 114.72B | 16.35 | ― | 1.24% | 16.27% | 44.44% |
* General Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| IN:CHOICEIN | Choice International Limited | 721.45 | -107.80 | -13.00% | |
| IN:5PAISA | 5paisa Capital Ltd. | 323.90 | 12.35 | 3.96% | |
| IN:ANGELONE | Angel One Limited | 283.00 | 32.69 | 13.06% | |
| IN:EDELWEISS | Edelweiss Financial Services Limited | 121.20 | 7.16 | 6.28% | |
| IN:IIFLCAPS | IIFL Capital Services Ltd | 347.50 | 12.52 | 3.74% | |
| IN:MOTILALOFS | Motilal Oswal Financial Services Limited | 937.00 | -64.37 | -6.43% |
Choice International Limited Corporate Events
Choice International confirms SEBI-compliant dematerialisation for September quarter
Choice International Limited has informed stock exchanges that it has received a confirmation certificate from its registrar and share transfer agent, MUFG Intime India Private Limited, for the quarter ended 30 September 2026. The filing relates to c...
Choice International posts Q1 FY27 earnings call audio for investors
Choice International Limited, a listed financial services firm offering investment and advisory products, maintains a presence on both major Indian exchanges and serves a broad mix of retail and institutional investors. Its operations are closely ali...
Choice International Wins SEBI Nod for Category II AIF Sponsorship
Choice International Limited has received approval from the Securities and Exchange Board of India to act as sponsor of Wealthwave Capital Trust, a Category II Alternate Investment Fund, while its subsidiary Choice AMC Private Limited has been cleare...
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.
Date of analysis: Oct 10, 2026