Market Data
Market Cap₹16,506.62 Cr.
52W High₹860
Current Price₹740.95
52W Low₹568.55
Down from 52W High13.8 %
Face Value₹10
Performance
ROCE16.64 %
ROE13.64 %
EPS (TTM)₹2.72
EPS Prev Qtr₹3.05
EPS Last Year₹2.75
EBITDA Qtr₹70.69 Cr.
Book Value₹75
Financial Health
Debt/Equity0.54
Debt/Profit3.62
Total Assets₹3,565.99 Cr.
Promoter Holding53.65 %
Earning Power8.47 %
Valuation
Stock P/E63.82
Industry P/E18.07
Price to Book9.88
Price to Sales13.82
Graham Number₹139.97
Key Metrics
Capital Adequacy %
43.36%
__derived
1
Face Value
₹10
Gross NPA %
3.78%
Loan Book
₹836 Cr
Net NPA %
2.74%
NIM %
11.1%
Provision Coverage %
27.67%
About Choice International Ltd
Financial Services · Finance
Choice International Ltd is listed on NSE in the Financial Services / Finance sector. Face value ₹10. Market cap ₹16,506.62 Cr.
Price Chart
Strengths & Weaknesses
Strengths
- The company has a strong Capital Adequacy ratio of 43.36%, indicating a solid capital base.
- The Net NPA ratio is relatively low at 2.74%, suggesting good asset quality.
- The company boasts a high ROCE of 32.88%, reflecting efficient use of capital.
- ROE is strong at 29.68%, indicating effective management in generating returns for shareholders.
- The company maintains a healthy Net Interest Margin (NIM) of 11.1%, showing strong profitability on interest income.
- Provision Coverage stands at 27.67%, providing a buffer against potential loan losses.
Weaknesses
- The P/E ratio of 62.5 is quite high, suggesting the stock may be overvalued relative to earnings.
- The P/B ratio of 19.15 is elevated, indicating that the market values the company at a premium over its book value.
- The company has a Debt to Equity ratio of 0.55, indicating a moderate level of financial leverage which could pose risks in downturns.
- The Dividend Yield is N/A, suggesting the company may not currently distribute dividends, which could be a concern for income-focused investors.
Peer Comparison
| Name | CMP | P/E | Market Cap | Div Yield | NP Qtr | Qtr Profit Var% | Sales Qtr | Qtr Sales Var% | ROCE% | Debt/Eq |
|---|---|---|---|---|---|---|---|---|---|---|
| Bajaj Finance Ltd | - | 29.81 | ₹6,06,096.65 Cr | 0.62% | ₹20,647.67 Cr | - | ₹85,963.63 Cr | - | 10.43% | 3.82 |
| Bajaj Finserv Ltd | - | 27.44 | ₹2,79,295.97 Cr | 0.09% | ₹20,636.97 Cr | - | ₹1,57,641.68 Cr | - | 11.43% | 5.5 |
| Shriram Finance Ltd | - | 17.17 | ₹2,28,938.64 Cr | 1.11% | ₹11,295.71 Cr | - | ₹49,997.06 Cr | - | 11.48% | 3.8 |
| ICICI Prudential Asset Management Co Ltd | - | 32.07 | ₹1,60,021.14 Cr | - | ₹3,485.73 Cr | - | ₹6,040.44 Cr | - | 111.52% | 0 |
| Jio Financial Services Ltd | - | 67.67 | ₹1,43,882.46 Cr | 0.28% | ₹2,066.49 Cr | - | ₹4,905.27 Cr | - | 2.33% | 0.17 |
| Tata Capital Ltd | - | 25.68 | ₹1,40,526.39 Cr | 0.17% | ₹5,478.16 Cr | - | ₹32,695.45 Cr | - | 8.42% | 5.28 |
| Cholamandalam Investment & Finance Company Ltd | - | 24.05 | ₹1,39,099.51 Cr | 0.12% | ₹5,751 Cr | - | ₹32,662.59 Cr | - | 9.35% | 6.93 |
| Bajaj Holdings & Investment Ltd | - | 13.4 | ₹1,18,683.4 Cr | 1.83% | ₹8,993.16 Cr | - | ₹1,139.25 Cr | - | 12.4% | 0 |
| Muthoot Finance Ltd | - | 9.7 | ₹1,10,363.68 Cr | 1.09% | ₹11,457.46 Cr | - | ₹33,430.7 Cr | - | 14.43% | 3.88 |
| Power Finance Corporation Ltd | - | 4.12 | ₹1,07,187.31 Cr | 5.71% | ₹33,641.82 Cr | - | ₹1,15,431.43 Cr | - | 9.81% | 7.62 |
| SBI Funds Management Ltd | - | - | ₹1,05,477.12 Cr | - | - | - | - | - | - | 0 |
| Aditya Birla Capital Ltd | - | 24.9 | ₹1,03,558.06 Cr | - | ₹4,118.85 Cr | - | ₹48,185.84 Cr | - | 8.39% | 5.2 |
| Indian Railway Finance Corporation Ltd | - | 14.18 | ₹1,01,934.35 Cr | 1.35% | ₹7,190.69 Cr | - | ₹28,630.42 Cr | - | 5.78% | 7.69 |
| HDFC Asset Management Company Ltd | - | 26.29 | ₹96,489.85 Cr | 2.4% | ₹2,947.64 Cr | - | ₹4,253.73 Cr | - | 41.46% | 0 |
| REC Ltd | - | 4.83 | ₹77,258.79 Cr | 6.32% | ₹16,035.21 Cr | - | ₹59,202.49 Cr | - | 9.42% | 6.09 |
| Nippon Life India Asset Management Ltd | - | 41.61 | ₹68,334.34 Cr | 2.01% | ₹1,635.54 Cr | - | ₹2,869 Cr | - | 45.49% | 0 |
| L&T Finance Ltd | - | 21.35 | ₹67,999.44 Cr | 1.01% | ₹3,198.02 Cr | - | ₹18,897.97 Cr | - | 8.23% | 3.93 |
| Bajaj Housing Finance Ltd | - | 25.18 | ₹67,758.55 Cr | - | ₹2,692.32 Cr | - | ₹11,604.2 Cr | - | 8.35% | 4.6 |
| SBI Cards & Payment Services Ltd | - | 24.43 | ₹55,564.77 Cr | 0.43% | ₹2,275.15 Cr | - | ₹20,063.29 Cr | - | 10.14% | 2.8 |
| HDB Financial Services Ltd | - | 23.02 | ₹52,384.31 Cr | 0.16% | ₹2,175.9 Cr | - | ₹16,300.3 Cr | - | 9.03% | 5.52 |
Quarterly Results
📊 Jun 2026: Revenue grew 32.0% YoY, Profit grew 26.4% YoY
| Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|
| Sales | 234.63 | 274.43 | 303.36 | 306.71 | 309.79 |
| ↳ QoQ Growth | - | +17.0% | +10.5% | +1.1% | +1.0% |
| Expenses | 175.06 | 209.69 | 216.2 | 227.15 | 239.1 |
| Operating Profit | 59.55 | 64.75 | 87.16 | 79.56 | 70.69 |
| OPM % | 25.38% | 23.59% | 28.73% | 25.94% | 22.82% |
| Other Income | 3.33 | 9.67 | 5.24 | 7.14 | 9.24 |
| Interest | 21.13 | 20.6 | 21.48 | 25.89 | 27.68 |
| Depreciation | 2.79 | 3.96 | 3.13 | 10.06 | 6.44 |
| EBITDA | 62.34 | 68.71 | 90.29 | 89.62 | 77.13 |
| EBITDA Margin % | 26.57% | 25.04% | 29.76% | 29.22% | 24.9% |
| Profit Before Tax | 62.89 | 74.41 | 92.4 | 86.7 | 79.92 |
| Tax % | 23.74% | 24.12% | 28.98% | 21.74% | 24.17% |
| Net Profit | 47.96 | 56.46 | 65.62 | 67.84 | 60.61 |
| ↳ QoQ Growth | - | +17.7% | +16.2% | +3.4% | -10.7% |
| EPS | 2.38 | 2.75 | 3.09 | 3.05 | 2.72 |
Profit & Loss
| Mar 2026 | TTM | |
|---|---|---|
| Sales | 1119.13 | 1194.29 |
| Expenses | 828.1 | 892.14 |
| Operating Profit | 291.02 | 302.16 |
| OPM % | 26% | 25.3% |
| Other Income | 25.38 | 31.29 |
| Interest | 89.1 | 95.65 |
| Depreciation | 19.94 | 23.59 |
| Profit Before Tax | 316.4 | 333.43 |
| Tax % | 24.81% | 24.86% |
| Net Profit | 237.88 | 250.53 |
| EPS | 11.27 | 11.61 |
Compounded Sales Growth
10Y
-
5Y
-
3Y
-
TTM
-
Compounded Profit Growth
10Y
-
5Y
-
3Y
-
TTM
-
Stock Price CAGR
10Y
-
5Y
-
3Y
-
1Y
-6.42%
Return on Equity
10Y
-
5Y
-
3Y
-
Last Year
29.68%
Balance Sheet
| Mar 2025 | Mar 2026 | |
|---|---|---|
| Equity Capital | 199.6555 | 222.78 |
| Reserves | 644.5186 | 1448.73 |
| Borrowings | 460.62 | 907.65 |
| Other Liabilities | 1314.53 | 986.83 |
| Total Liabilities | 2619.3206 | 3565.99 |
| Fixed Assets | 262.0894 | 254.61 |
| CWIP | 1.3501 | 10.15 |
| Investments | 60.45 | 177.95 |
| Other Assets | 2295.43 | 3123.28 |
| Total Assets | 2619.3206 | 3565.99 |
Cash Flows
| Mar 2025 | Mar 2026 | |
|---|---|---|
| Cash from Operating Activity | -294.4632 | -267.0518 |
| Cash from Investing Activity | -161.0904 | -277.1853 |
| Cash from Financing Activity | 449.2779 | 599.8914 |
| Net Cash Flow | -6.2757 | 55.6543 |
Ratios
| Mar 2026 | |
|---|---|
| Debtor Days | - |
| Inventory Days | - |
| Days Payable | - |
| Cash Conversion Cycle | - |
| Working Capital Days | 867.01 |
| ROCE % | 10.95% |
Shareholding Pattern
| Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|
| Promoters % | 53.65% | 53.65% | 53.65% |
| FIIs % | 12.16% | 11.41% | 10.1% |
| DIIs % | 0.3% | 0.35% | 0.28% |
| Public % | 19.23% | 19.53% | 20.39% |
| No. of Shareholders | 26,659 | 26,091 | 25,427 |
Major Shareholders (>1%)
- Vinita Sunil PatodiaPromoter and Promoter Group11.13%
- Plutus Wealth Management LlpPublic Shareholding8.66%
- Arunkumar PoddarPromoter and Promoter Group7.27%
- Madhusudan Murlidhar Kela .Public Shareholding7.21%
As of 2026-06-30View all shareholders →