Choice International Limited (531358) fair value: what the stock is really worth
As of Oct 1, 2026: fair value of Choice International Limited ₹599, price ₹720, upside -16.7%, quality 37 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
Watch Choice International Limited for free, get notified when fair value or trend changes. Plus fair value for all 35,000+ stocks, 14 days of Pro free, no card.Watch for freePro now: $1 first month
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range ₹23.45 – ₹850.80 · fair‑value band ₹475.61 – ₹1,579 · the ₹719.60 price screens above the ₹599.28 fair value. Dashed = 300-day average. As of Sep 24, 2026.
Choice International Limited, together with its subsidiaries, provides various financial services comprising lending, investments, and advisory in India. The company operates through NBFC & Other Services, Services, Broking & Distribution services, Consulting & Outsourcing Services, and Technical Services segments.
Show more
Choice International Limited, together with its subsidiaries, provides various financial services comprising lending, investments, and advisory in India. The company operates through NBFC & Other Services, Services, Broking & Distribution services, Consulting & Outsourcing Services, and Technical Services segments. 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; 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, portfolio management, and cross broader consultancy services. Choice International Limited was founded in 1993 and is headquartered in Mumbai, India.
Stock analysis
Choice International Limited (531358) currently trades at ₹719.60, while our model-based Fair Value estimate is ₹599.28, 16.7% below the price, so the stock looks overvalued today.
Show more
Valuation
Bull case: the Earnings-Based group reads highest at a median of ₹2,847 per share, and 4 of the 9 models we run sit above the ₹719.60 price.
Bear case: the DCF Models group reads lowest at ₹160.48, and 5 of the 9 models stay below the price. Evidence for this calculation is low.
Scenario range: ₹475.61 (bear) to ₹1,579 (bull), the price of ₹719.60 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 37/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Choice International Limited reported revenue of ₹9.1B in FY2025 versus ₹1.4B in FY2021, a compound +59.7%/yr. Reported net income was ₹1.6B in FY2025, compounding +76.6%/yr from FY2021. FY2021 was a trough year, so the rate overstates the trend.
Key figures
Market cap ₹2.2B (≈ $22.6M) · P/E ratio 16.6 · P/S ratio 2.98 · EPS (TTM) ₹10.87 · Dividend yield 1.8% · Net margin 17.9% · Return on assets (EBIT) 7.7% · Operating margin 26.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).
What moves the price
The share trades about 15% below its 52-week high and 23% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −15% fair-value upside, at −17%, 531358 screens richer than that median.
Fair Value models
Bear ₹475.61Fair Value ₹599.28Bull ₹1,579
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 12 months old). Earnings retained since then (₹9.87 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+21.2%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+57.6%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+53.0%
Start year 2020 (pandemic). Over 10 years: +34.5% a year
Revenue growth 11 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+29.2%
’14
’15
’16
’17
’18
’19
’20
’21
’22
’23
’24
’25
What shareholders gained per year (last 5 years), in INR (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip. Measured in INR: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+23.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year+21.3%
Dividend (yield on the price)1.8%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.14% → 30%
2025 sits 169% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Compare Choice International Limited with another stock
Price, fair value, quality and upside side by side.
Free, no sign-up
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Capital Markets · 458 stocks
Beats the industry median on 5/10 measures
A mixed picture versus its industry peers.
Valuation
Quality Score37 · Bottom 25%
Profitability
Return on assets0.0% · Below median
Net margin (TTM)18.5% · Above median
Operating margin (TTM)26.4% · Above median
Growth and dividend
Revenue growth73.1% · Top 25%
Dividend yield (TTM)1.8% · Below median
Balance sheet
Debt / equity0.28× · Above median
Valuation Multiplesvs Capital Markets median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Choice International Limited Fair Value". https://www.fairvalue-calculator.com/stock/531358
Frequently asked questions
Is Choice International Limited (531358) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of ₹599.28 versus a price of ₹719.60, about −17% upside (overvalued).
What is the fair value of 531358?
Our model-based fair value for Choice International Limited is ₹599.28 (as of Sep 24, 2026), built from audited fundamentals. The current price: ₹719.60.
What is the quality score of 531358?
Choice International Limited has a Quality Score of 37/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Choice International Limited (531358)?
Our model-based price target is the fair value of ₹599.28 (as of Sep 24, 2026) from 9 valuation models. Cautious scenario ₹475.61, optimistic scenario ₹1,579. It is a calculation from audited fundamentals, not an analyst target.
What is the Choice International Limited stock forecast for 2026?
Our models put fair value at ₹599.28, about −17% upside versus a price of ₹719.60 (overvalued). Cautious scenario ₹475.61, optimistic scenario ₹1,579. The calculation is refreshed regularly with new filings.
Does Choice International Limited pay a dividend?
Choice International Limited currently shows a dividend yield of about 1.76% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Choice International Limited (531358)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Choice International Limited it is ₹599.28 per share (as of Sep 24, 2026), against a price of ₹719.60. It is the blended result of 9 valuation models (cash flow, earnings, asset, dividend).
Is Choice International Limited stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 531358 trades above its calculated fair value: price ₹719.60, fair value ₹599.28, a gap of about −17% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 531358?
No. The price is what the market pays today (₹719.60); the fair value is what the company's own numbers justify (₹599.28). For Choice International Limited the two are ₹120.32 per share apart. That gap is exactly why we show both numbers side by side.
How much is Choice International Limited worth?
The market values Choice International Limited at about ₹2.2B (market capitalisation, as of Sep 24, 2026). Per share that is ₹719.60; our models calculate a fair value of ₹599.28 per share.
What do the bullish and bearish scenarios say about 531358?
Our models span a range for Choice International Limited: cautious scenario ₹475.61, base ₹599.28, optimistic ₹1,579 per share (as of Sep 24, 2026, price ₹719.60). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 531358?
Choice International Limited trades at a price-to-earnings ratio of 16.6 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹599.28 is built from several models across several years. Other multiples: P/B 0.2, P/S 1.6.
How solid is the balance sheet of Choice International Limited (531358)?
Balance-sheet figures for Choice International Limited (as of Sep 24, 2026): debt of 0.28 per unit of equity. They feed the Quality Score of 37/100, which measures business quality independently of the share price.
How far is 531358 from its 52-week high?
Choice International Limited trades at ₹719.60, about 15% below its 52-week high of ₹850.80 and 23% above the low of ₹584.50 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of ₹599.28 is for.
Which stocks are comparable to Choice International Limited?
From the same area (Financial Services) we also value Morgan Stanley, a financial holding company,, The Goldman Sachs Group, The Charles Schwab Corporation, Interactive Brokers Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Choice International Limited stock attractive at the current price?
The data as of Sep 24, 2026: price ₹719.60, calculated fair value ₹599.28 (−17%), Quality Score 37/100, from 9 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 531358 calculated?
We run Choice International Limited through 9 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of ₹599.28, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Choice International Limited itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Choice International Limited (531358)?
The closing price on Oct 1, 2026 was ₹719.60. Our model-based fair value is ₹599.28, about −17% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Choice International Limited right now?
Weak quality (37/100) and above fair value at the same time, the margin of safety is missing on both counts. The model range is unusually wide (₹475.61 to ₹1,579). The outcome hinges heavily on assumptions, so read the point estimate with caution. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Choice International Limited
How large is the market capitalisation of Choice International Limited (531358)?
The market capitalisation of Choice International Limited is ₹2.2B (≈ $22.6M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Choice International Limited (531358)?
The price-to-sales ratio of Choice International Limited is 2.98 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Choice International Limited (531358)?
Earnings per share at Choice International Limited are ₹10.87 (price ÷ EPS = P/E 16.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Choice International Limited (531358)?
The dividend yield of Choice International Limited is 1.8% (payout 116%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Choice International Limited (531358)?
The net margin of Choice International Limited is 17.9% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the EBIT return on assets of Choice International Limited (531358)?
On an EBIT basis the return on assets of Choice International Limited is 7.7% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Choice International Limited (531358)?
The operating margin of Choice International Limited is 26.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Choice International Limited (531358)?
Revenue at Choice International Limited is growing +73.1% versus a year earlier (3y avg +57.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
Free · no account needed
Watch Choice International Limited in the live analysis
One click puts Choice International Limited on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 35,000+ stock screener. You can also try 14 days of Pro there, no card.
