Choice International Ltd.
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ABOUT
KEY POINTS
Revenue Breakup Mar 2012 • Software Development & Sales: 92.8% • Investment Banking: 7.2%
AI Sector View
AI GENERATEDFinancial Services
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.
PROS
- Latest quarter profit grew 188.5% YoY, showing strong momentum
- Company has delivered good sales growth of 27.1% CAGR over last 5 years
- Stock looks reasonably valued - P/E of 2080.8 is below its historical median
CONS
- Net NPA is elevated at 1.9% - provisioning cushion is thin
- Recent results are weak - TTM profit is down 86.1% versus prior year
- Company has a low return on capital employed of 2.2%
- Company has a low return on equity of 1.5% over last 3 years
- Promoter holding has decreased over last 2 years: -4.6pp
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| MCX | 3340.05 | 55.24 | 85168.55 | 0.24 | 413.44 | 103.47 | 702.00 | 88.10 | 48.10 | 70.40 |
| MOTILALOFS | 1023.00 | 31.12 | 61617.67 | 0.59 | 1273.71 | 9.53 | 3425.76 | 25.49 | 12.68 | 57.49 |
| 360ONE | 1096.25 | 35.40 | 44679.26 | 1.09 | 330.53 | 16.11 | 1226.09 | 26.85 | 12.28 | 63.01 |
| NUVAMA | 1784.20 | 30.39 | 32909.41 | 1.56 | 305.64 | 15.83 | 1376.22 | 22.59 | 17.52 | 52.80 |
| ANGELONE | 299.40 | 26.52 | 27366.25 | 1.35 | 2313.98 | 1921.51 | 14296.91 | 1153.53 | 14.87 | 33.92 |
| CHOICEIN | 749.85 | 70.28 | 16704.90 | 0.00 | 60.61 | 26.37 | 309.79 | 32.46 | 19.43 | 33.83 |
| IIFLCAPS | 337.65 | 18.67 | 10642.01 | 0.89 | 184.16 | 4.92 | 631.48 | 3.13 | 23.27 | 35.76 |
| SHAREINDIA | 189.75 | 11.42 | 4152.21 | 0.84 | 124.41 | 47.45 | 448.09 | 31.25 | 21.00 | 44.76 |
| ARSSBL | 505.70 | 24.57 | 3189.27 | 0.99 | 23.35 | 2.35 | 246.10 | 22.37 | 19.72 | 39.54 |
| MONARCH | 370.95 | 16.24 | 2941.94 | 0.27 | 45.18 | -0.15 | 90.89 | -7.25 | 33.26 | 66.00 |
| GEOJITFSL | 80.02 | 30.80 | 2233.54 | 1.87 | 19.83 | -30.83 | 160.40 | 7.46 | 9.35 | 20.55 |
| ALGOQUANT | 63.80 | 39.47 | 1793.39 | 0.00 | 164.80 | 3610.04 | 778.70 | 1328.81 | 33.57 | 33.64 |
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 4 | 3 | 3 | 3 | 7 | 6 | 6 | 5 | 7 | 4 | 8 | 10 | 12 | |
| 2 | 2 | 2 | 2 | 2 | 2 | 3 | 3 | 4 | 4 | 5 | 4 | 5 | |
| Operating Profit | 2 | 2 | 2 | 1 | 5 | 3 | 4 | 2 | 3 | -0 | 2 | 5 | 6 |
| OPM % | 50.99% | 49.00% | 48.41% | 32.35% | 67.00% | 58.35% | 55.10% | 37.00% | 38.15% | -5.17% | 30.39% | 56.17% | 53.95% |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Interest | 1 | 1 | 1 | 1 | 1 | 0 | 0 | 0 | 1 | 1 | 1 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before Tax | 1 | 1 | 0 | 0 | 4 | 3 | 3 | 2 | 2 | -1 | 1 | 5 | 6 |
| Tax % | 23.94% | 25.42% | 15.56% | -33.33% | 17.36% | 23.26% | 36.67% | 36.27% | 23.53% | 23.71% | 54.05% | 24.90% | 30.22% |
| Net Profit | 1 | 0 | 0 | 0 | 3 | 2 | 2 | 1 | 2 | -1 | 1 | 4 | 5 |
| 0.05 | 0.04 | 0.04 | 0.00 | 0.15 | 0.11 | 0.10 | 0.06 | 0.08 | -0.04 | 0.03 | 0.16 | 0.20 |
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 20 | 23 | 13 | 9 | 8 | 11 | 13 | 13 | 24 | 28 | 33 | |
| 12 | 9 | 5 | 4 | 3 | 4 | 6 | 7 | 11 | 18 | 19 | |
| Operating Profit | 7 | 13 | 8 | 5 | 6 | 7 | 7 | 6 | 14 | 10 | 14 |
| OPM % | 37.04% | 59.60% | 60.98% | 56.91% | 67.08% | 65.37% | 53.43% | 46.23% | 55.46% | 36.35% | 42.12% |
| 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | |
| Interest | 4 | 10 | 6 | 2 | 2 | 3 | 4 | 4 | 2 | 2 | 2 |
| Depreciation | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 0 | 0 | 1 | 1 |
| Profit before Tax | 3 | 3 | 2 | 3 | 3 | 4 | 3 | 2 | 11 | 7 | 12 |
| Tax % | 25.27% | 23.52% | 10.56% | 33.35% | 29.78% | 32.39% | 16.23% | 21.24% | 27.08% | 30.53% | 31.59% |
| Net Profit | 3 | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 8 | 5 | 8 |
| EPS | 0.00 | 1.15 | 0.80 | 0.93 | 0.70 | 0.27 | 0.11 | 0.07 | 0.42 | 0.23 | — |
| 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:
- -10%
- 5 Years:
- 27%
- 3 Years:
- 29%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- 12%
- 5 Years:
- 17%
- 3 Years:
- 31%
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- 55%
- 1 Year:
- -2%
RETURN ON EQUITY
- 10 Years:
- 2%
- 5 Years:
- 1%
- 3 Years:
- 1%
- Last Year:
- 1%
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 10 | 20 | 20 | 20 | 29 | 50 | 100 | 199 | 200 | 223 |
| 43 | 117 | 119 | 121 | 158 | 247 | 199 | 104 | 116 | 791 | |
| 49 | 109 | 1 | 23 | 34 | 28 | 40 | 32 | 13 | 12 | |
| Trade Payables | 1 | 1 | 1 | 0 | 0 | 0 | 1 | 0 | 1 | 2 |
| 14 | 8 | 3 | 29 | 17 | 4 | 9 | 18 | 194 | 29 | |
| Total Liabilities | 116 | 255 | 144 | 193 | 238 | 329 | 348 | 354 | 523 | 1,058 |
| 24 | 65 | 65 | 63 | 62 | 62 | 61 | 61 | 108 | 107 | |
| Capital Work in Progress | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 8 |
| 50 | 95 | 69 | 89 | 134 | 210 | 239 | 271 | 280 | 529 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 3 | |
| Cash & Bank | 1 | 0 | 6 | 3 | 0 | 0 | 32 | 1 | 2 | 68 |
| 41 | 95 | 4 | 38 | 42 | 57 | 16 | 19 | 131 | 344 | |
| Total Assets | 116 | 255 | 144 | 193 | 238 | 329 | 348 | 354 | 523 | 1,058 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| -17 | -37 | 95 | -2 | 13 | 7 | 48 | 1 | -100 | -201 | |
| Cash from Investing | -5 | -46 | 26 | -46 | -58 | -90 | -24 | -23 | -49 | -250 |
| Cash from Financing | 24 | 82 | -115 | 46 | 42 | 84 | 8 | -9 | 150 | 517 |
| 1 | -1 | 6 | -3 | -3 | 0 | 32 | -31 | 0 | 66 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-09-08 - Intimation of Schedule of Analyst/Investors Meet.
2026-09-05 - Newspaper Advertisment for the 33rd Annual General Meeting of the Company to be held on September 26, 2026.
2026-09-04 - Letter to Shareholders- Intimation of Annual General Meeting
2026-09-04 - Notice of the 33rd Annual General Meeting and Annual Report for the Financial year 2025-26
2026-08-20 - Update on Acquisition of 100% stake of Choice Proptech Solutions Private Limited.
2026-08-17 - Earnings Call Transcript for Q1 and FY 27 Results.
2026-08-12 - Newspaper Publication for the Un-audited (Standalone and Consolidated) Financial results for the quarter ended June 30, 2026.
2026-08-11 - Earnings Conference call - Audio Recording for Q1 FY27
2026-08-10 - Press Release for the Un-audited financial results for the quarter ended June 30, 2026.
News
Recent coverage and analyst commentary for CHOICEIN
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Choice International Ltd.
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