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Choice International Ltd.

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choiceindia.comBSE: 531358NSE: CHOICEIN
Market Cap₹ 16,705 Cr.
Current Price
High / Low₹ 860 / 569
Stock P/E70.3
Book Value₹ 75
Price to Book8.51
Dividend Yield0.00 %
ROCE19.4 %
ROE20.0 %
Face Value₹ 10

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ABOUT

KEY POINTS

Revenue Breakup Mar 2026 • Broking Services: 54.0% • Outsourcing: 27.9% • NBFC Operations: 13.9%

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence
84%
View full sector analysis →

PROS

  • Company has delivered good profit growth of 70.1% CAGR over last 5 years
  • Company has a good return on equity (ROE) track record: 3 Years ROE 23.5%
  • Company has a healthy return on capital (ROCE) of 22.3%
  • Company has consistently been profitable over the last 5 years
  • Company has delivered good sales growth of 46.0% CAGR over last 5 years
  • Operating margins have improved to 35.8% from 28.0%

CONS

  • Net NPA is elevated at 1.9% - provisioning cushion is thin
  • Promoter holding has decreased over last 2 years: -4.6pp
  • Free cash flow has been persistently negative
  • Stock is trading at 8.5x its book value
  • Though reporting repeated profits, the company pays out little dividend (0.0%)
  • Growth is decelerating - 3Y profit CAGR (58.2%) trails the 5Y trend (70.1%)

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesFinanceFinance - Stock Broking
Part ofNIFTY TOTAL MKTNIFTY 500NIFTY SMLCAP 250
S.No.Name
1.MCX3340.0555.2485168.550.24413.44103.47702.0088.1048.1070.40
2.MOTILALOFS1023.0031.1261617.670.591273.719.533425.7625.4912.6857.49
3.360ONE1096.2535.4044679.261.09330.5316.111226.0926.8512.2863.01
4.NUVAMA1784.2030.3932909.411.56305.6415.831376.2222.5917.5252.80
5.ANGELONE299.4026.5227366.251.352313.981921.5114296.911153.5314.8733.92
6.CHOICEIN749.8570.2816704.900.0060.6126.37309.7932.4619.4333.83
7.IIFLCAPS337.6518.6710642.010.89184.164.92631.483.1323.2735.76
8.SHAREINDIA189.7511.424152.210.84124.4147.45448.0931.2521.0044.76
9.ARSSBL505.7024.573189.270.9923.352.35246.1022.3719.7239.54
10.MONARCH370.9516.242941.940.2745.18-0.1590.89-7.2533.2666.00
11.GEOJITFSL80.0230.802233.541.8719.83-30.83160.407.469.3520.55
12.ALGOQUANT63.8039.471793.390.00164.803610.04778.701328.8133.5733.64
Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
138191207215201247209253234274303307310
102142141147148172150157151185192191239
Operating Profit3649676753766096838911211571
OPM %26.07%25.48%32.19%31.46%26.39%30.66%28.45%38.04%35.37%32.54%36.84%37.66%22.82%
23325222410579
Interest7101112131516222121212628
Depreciation12222223343106
Profit before Tax29405655436143746374928780
Tax %27.66%25.20%28.34%28.62%26.24%23.40%29.02%27.63%23.74%24.12%28.98%21.74%24.17%
Net Profit0000324631544856666861
2.143.014.051.981.612.331.542.682.382.753.093.052.72

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
1301431271291692843897519101,1191,194
10311310396134194287531626719807
Operating Profit273024333489102219285400387
OPM %20.69%21.16%19.04%25.79%20.34%31.47%26.27%29.23%31.27%35.76%32.43%
59467379112531
Interest1921201715152241668996
Depreciation2343335782024
Profit before Tax1016518237482181221316333
Tax %41.43%23.63%26.31%31.71%26.76%27.20%26.70%27.62%26.47%24.81%24.86%
Net Profit612312175460131163238251
EPS3.036.020.2112.435.116.043.016.667.849.77—
Dividend Payout %0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%—

COMPOUNDED SALES GROWTH

10 Years:
20%
5 Years:
46%
3 Years:
42%

COMPOUNDED PROFIT GROWTH

10 Years:
48%
5 Years:
67%
3 Years:
54%

STOCK PRICE CAGR

10 Years:
—
5 Years:
—
3 Years:
55%
1 Year:
-2%

RETURN ON EQUITY

10 Years:
15%
5 Years:
21%
3 Years:
23%
Last Year:
20%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Corporate actions

2024

Feb 20

1:1

2022

Sep 22

1:1

Quarterly Results & Bonus issue & Employees Stock Option Plan & A.G.M.

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital102020202950100199200223
Minority Interest0000015978152
601461471682203603714086251,419
147179169145154219231473477705
Trade Payables61097141728272750
63731211622383293736881,2121,065
Total Liabilities2874284655026559761,1071,8052,6193,614
377898868487125132258298
Capital Work in Progress00000000110
26472320711112359178
9172531924811924
0000000187275437
Cash & Bank4162245148139252386491519
1732242943145077167121,0751,5172,148
Total Assets2874284655026559761,1071,8052,6193,614

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
-178-930-40-11163-148-294-267
Cash from Investing-11-22311315-126-48-18-161-277
Cash from Financing2139-29-1523152-29224449600
-921-1124-7-86258-656

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026

Shareholding Pattern

Numbers in percentages

Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
58.2158.2158.2158.1356.4356.6053.6553.6553.65
12.2212.7213.7013.6313.9712.9712.1611.4110.10
0.070.090.180.160.190.280.300.350.28
Government0.000.000.000.000.000.000.000.000.00
29.5028.9827.9128.0729.4030.1533.8934.5935.97

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-08
Analysts/Institutional Investor Meet/Con. Call Updates

2026-09-08 - Intimation of Schedule of Analyst/Investors Meet.

2026-09-05
Copy of Newspaper Publication

2026-09-05 - Newspaper Advertisment for the 33rd Annual General Meeting of the Company to be held on September 26, 2026.

2026-09-04
General Updates

2026-09-04 - Letter to Shareholders- Intimation of Annual General Meeting

2026-09-04
Shareholders meeting

2026-09-04 - Notice of the 33rd Annual General Meeting and Annual Report for the Financial year 2025-26

2026-08-20
General Updates

2026-08-20 - Update on Acquisition of 100% stake of Choice Proptech Solutions Private Limited.

2026-08-17
Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-17 - Earnings Call Transcript for Q1 and FY 27 Results.

2026-08-12
Copy of Newspaper Publication

2026-08-12 - Newspaper Publication for the Un-audited (Standalone and Consolidated) Financial results for the quarter ended June 30, 2026.

2026-08-11
Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-11 - Earnings Conference call - Audio Recording for Q1 FY27

2026-08-10
Press Release

2026-08-10 - Press Release for the Un-audited financial results for the quarter ended June 30, 2026.

News

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