Choice International Limited (CHOICEIN) AI Stock Analysis

• Market Cap: ₹165.55B
• Dividend Yield: N/A
• Average Volume (3M): 29.70K
• Price to Earnings (P/E): 92.3
• Beta (1Y): 0.92
• Revenue Growth: 15.46%
• EPS Growth: 26.05%
• Country: IN
• Employees: 4,096
• Sector: Services
• Sector Strength: N/A
• Industry: Financial - Capital Markets
• EPS (TTM): 2.34
• Shares Outstanding: 205,655,500
• 10 Day Avg. Volume: 34,483
• 30 Day Avg. Volume: 29,701
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• 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: -1.74% Downside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 73 Outperform
• Price Target: ₹791.00 ▼(-1.74% 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, 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

Choice International Limited generates revenue through a diversified model that includes offering financial services, real estate development projects, and technology solutions. In the finance sector, the company earns income by providing consulting services, investment management, and financial advisory. Real estate revenues are derived from property development, sales, and leasing. In the technology sector, CHOICEIN capitalizes on software development, IT consulting, and digital transformation services. The company's earnings are bolstered by strategic partnerships with industry leaders, enhancing its market presence and expanding its client base.

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	9.18B	9.22B	7.51B	3.85B	2.64B	1.68B
Gross Profit	7.43B	8.47B	4.33B	2.76B	1.43B	943.71M
EBITDA	2.61B	2.30B	2.31B	1.09B	935.46M	422.16M
Net Income	1.63B	1.63B	1.31B	600.68M	535.76M	167.10M
Balance Sheet
Total Assets	26.19B	26.19B	18.06B	11.08B	9.78B	6.56B
Cash, Cash Equivalents and Short-Term Investments	5.18B	5.18B	1.92B	5.86B	498.40M	389.74M
Total Debt	4.63B	4.63B	4.55B	2.06B	2.20B	1.51B
Total Liabilities	15.14B	15.14B	11.66B	6.26B	5.67B	3.93B
Stockholders Equity	10.27B	10.27B	6.31B	4.77B	4.10B	2.63B
Cash Flow
Free Cash Flow	0.00	-2.56B	-1.64B	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	1.46B	226.33M

Choice International Limited Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 805.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

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 805 is above the 20-day moving average (MA) of 804.47, above the 50-day MA of 784.74, and above the 200-day MA of 633.60, indicating a bullish trend. The MACD of 9.96 indicates Positive momentum. The RSI at 51.84 is Neutral, neither overbought nor oversold. The STOCH value of 49.79 is Neutral, 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
GEOJITFSL	74 Outperform	₹22.07B	14.30	14.46%	1.90%	4.68%	-12.79%
CHOICEIN	73 Outperform	₹165.55B	92.35	―	―	15.46%	26.05%
RELIGARE	68 Neutral	₹83.31B	70.89	4.98%	―	12.98%	-37.79%
ANGELONE	66 Neutral	₹193.97B	19.42	20.85%	2.24%	2.09%	-21.52%
EDELWEISS	60 Neutral	₹103.31B	24.79	9.01%	1.37%	-4.82%	-7.73%
Sector *	55 Neutral	$13.29B	17.42	10.03%	0.93%	7.13%	-12.93%