Choice International Ltd.
NSE: CHOICEINChoice International Ltd.: A 30-second snapshot
Choice International (CHOICEIN), a broking and financial services firm, trades at ₹664.25 — below both its 50-day SMA (₹669.57) and 200-day SMA (₹760.49) — with the stock down 22.81% from its 52-week high and returning just 1.89% over the past year. The company has reported 5-year revenue CAGR of 21.8% and a profit margin of 20.62%, though cash generation has been inconsistent and debt carries a debt-to-equity ratio of 49.77. No analyst consensus data is available, and news flow retrieved for the period contains no company-specific headlines.
P/E
59.1
Forward P/E
—
ROE
+16.2%
Debt / Equity
49.77
Profit Margin
+20.6%
Div. Yield
—
5Y ROE > 15%
2/5
5Y FCF > 0
1/5
Quality
48/100
News
8 headlines · 0 positive · 0 negative
BritPips Is Positioning Itself as a More Structured Choice in Online Trading - Mid-day
Mid-day
A question of choice in Chhattisgarh - The Hindu
The Hindu
What makes side-by-side door refrigerators a popular choice in Indian homes? (2026) | Technology News - Hindustan Times
Hindustan Times
Australia's New Favourite Destination: Vietnam Surges as Top Travel Choice in 2026, Offering Affordable Luxury and Unmatched Coastal Beauty! - Travel And Tour World
Travel And Tour World
Crypto Offerings Begin Shaping Bank Choice in Europe, but Regulation Still Holds Back Adoption - Crypto News Australia
Crypto News Australia
Recent context
- ·News retrieval for the period returned 8 headlines, all rated neutral and none directly about Choice International — the lack of company-specific coverage means recent operational or regulatory developments cannot be assessed from available data.
- ·The stock's nearest technical support levels are at ₹650.05 and ₹568.70, with resistance at ₹702, ₹736, and ₹814.40 — the current price of ₹664.25 sits between the first support and first resistance levels.
- ·5-year earnings CAGR of 15.3% trails the revenue CAGR of 21.8%, indicating that while revenue has grown strongly, earnings conversion efficiency has been lower — the gap between the two growth rates is a metric worth tracking going forward.
Strengths
- +5-year revenue CAGR of 21.8% reflects sustained top-line expansion in the financial services segment over a multi-year horizon.
- +Profit margin of 20.62% is above what is typical for many broking and distribution businesses, indicating some pricing power or operating leverage at the revenue level.
- +ROE of 16.24% ranks 2nd among 6 peers in the sector grouping, ahead of HDFC Bank (13.82%), Axis Bank (13.15%), Bajaj Finserv (14.6%), and HDFC Life (11.28%).
- +Quality score of 56 ranks 1st among 6 peers in its assigned sector group, though the peer set does not consist of direct comparables.
Weaknesses
- −Debt-to-equity of 49.77 is extremely elevated; rising debt trend combined with FCF positive in only 1 of the available historical years raises questions about capital structure sustainability.
- −Earnings consistency score of 54/100 and ROE above 15% in only 2 of the available historical years suggest the current profitability level lacks a long track record of persistence.
- −Price is 12.6% below the 200-day SMA and has declined 14.9% over the past 3 months, with the 52-week drawdown at 22.81% — the stock has underperformed on a price basis despite reported earnings growth.
- −PE of 59.15 is double that of Bajaj Finance (29.85) and more than four times that of HDFC Bank (17.12) and Axis Bank (14.73), implying a substantial premium that requires sustained high growth to justify.
Open questions
- ?Given that FCF has been positive in only 1 of the available years despite reported earnings growth, where has the cash been deployed and what does that imply for the sustainability of the debt-to-equity ratio of 49.77?
- ?Choice International is grouped with large-cap banks and NBFCs in the peer set — how does its PE of 59.15 and ROE of 16.24% compare specifically to mid-cap broking and wealth management peers rather than this current group?
- ?ROE has exceeded 15% in only 2 of the available historical years — does the current ROE of 16.24% reflect a structural improvement in the business model, or is it driven by a transient cycle in capital markets activity?
- ?With the stock trading 22.81% below its 52-week high and 12.6% below its 200-day SMA, what operational or financial developments would investors look to in order to assess whether the price decline reflects a change in underlying fundamentals?
Peer comparison: Banking
Ranks 1 of 6 on quality| Symbol | Name | P/E | ROE | Quality |
|---|---|---|---|---|
| CHOICEIN | Choice International Ltd.You're viewing | 59.1 | +16.2% | 56 |
| Industry avg | across 5 peers | 31.7 | +14.2% | 39 |
| AXISBANK | Axis Bank Ltd. | 14.7 | +13.2% | 53 |
| BAJFINANCE | Bajaj Finance Ltd. | 29.9 | +17.9% | 53 |
| HDFCBANK | HDFC Bank Ltd. | 17.1 | +13.8% | 47 |
| BAJAJFINSV | Bajaj Finserv Ltd. | 28.3 | +14.6% | 23 |
| HDFCLIFE | HDFC Life Insurance Company Ltd. | 68.5 | +11.3% | 20 |
Technical state
Current price
₹664.25
SMA 50
₹669.57
SMA 200
₹760.49
RSI (14)
44.7 (neutral)
From 52w high
-22.8%
1Y return
+1.9%
3M return
-14.9%
50-DMA
Below
200-DMA
Below
Algorithmic support levels
Algorithmic resistance levels
Risk flags
- highDebt-to-equity ratio of 49.77 is extremely elevated. Even within financial services, where leverage is structurally higher, this level warrants scrutiny of the quality and tenor of borrowings relative to asset quality and capital adequacy.
- highFCF positive in only 1 of the available historical years, paired with a rising debt trend and a consistency score of 54/100, indicating cash generation has been structurally weak relative to reported earnings growth.
- mediumCHOICEIN's peer group (HDFC Bank, Axis Bank, Bajaj Finance, Bajaj Finserv, HDFC Life) consists entirely of large-cap banks, diversified NBFCs, and insurers. Choice International is a broking and financial services firm — the mismatch may distort PE, ROE, and quality-rank comparisons materially.
- mediumCurrent price of ₹664.25 sits 12.6% below the 200-day SMA (₹760.49) and 14.9% lower over the past 3 months, with a 52-week drawdown of 22.81% from the high. Price has also slipped below the 50-day SMA (₹669.57).
- mediumAll 8 retrieved news items appear unrelated to CHOICEIN — headlines reference online trading platforms in the UK, Chhattisgarh politics, refrigerators, and Vietnam travel. No company-specific news was captured, leaving recent material developments unassessed.
- lowNo analyst coverage data (rating or count) is available for CHOICEIN, removing an independent corroborating data point for the fundamental assessment.
Cross-section contradictions
- PE of 59.15 and 5-year revenue CAGR of 21.8% suggest a high-growth premium, but ROE of 16.24% has only exceeded 15% in 2 of the available historical years and FCF was positive in only 1 year — the valuation multiple appears to price in consistency that the earnings quality data does not yet support.
- Despite a 14.9% price decline over 3 months and a 22.81% drawdown from the 52-week high, RSI is at a neutral 44.72 — not at levels typically associated with a decline of this magnitude, suggesting the momentum signal and the price move are only partially aligned.
For informational purposes only. Not investment advice. VivaTrades is not a SEBI-registered Investment Adviser or Research Analyst. Market data sourced from public feeds; consult a registered adviser before any investment decision.
Fundamentals & technicals: refreshed 25 Jun 2026 · refreshed daily at 01:00 IST
AI synthesis (narrative, snapshot, strengths/weaknesses, peer ranking): generated 17 May 2026 · rotates through NIFTY 500 every ~5 days