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Choice International Limited (CHOICEIN) fair value: what the stock is really worth

As of Nov 9, 2026: fair value (intrinsic value) of Choice International Limited stock ₹64.40, price ₹750, that is 91.4% below the price, quality 37 out of 100. Rating: strongly overvalued. Calculated from audited financials with 7 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services IN · ISIN INE102B01014

CI Choice International Limited logo Thin data Nov 8, 2026

Choice International Limited

CHOICEIN · NSE
Very expensive, weak quality

Our calculation puts a fair price 91% below what the stock costs today.

Highly profitable · 20.2% net margin (TTM)
Low debt
Revenue last quarter +34% vs. a year ago.
Expensive Growth (revenue 5y +47.2 %/yr in INR)
Mixed vs. peers (5/12)
Wide moat 66/100 · thin data
Fair value ₹64.40 · Strongly overvalued
Quality 37/100
Negative free cash flow
Thin data
Extreme value⚠ Dilution
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

₹850.30 ₹75.09 Fair Value ₹64.40 Apr 2022 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.

How to read this chart

55‑month range ₹75.09 – ₹850.30 · fair‑value band ₹52.33 – ₹111.52 · the ₹749.55 price screens above the ₹64.40 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.

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Company profile

Choice International Limited, together with its subsidiaries, provides various financial services in India. It operates through Broking & Distribution Services, Advisory Services, and NBFC Services segments.

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The company offers equity broking; wealth management, such as asset allocation, risk management, investment products, and estate planning; health, life, commercial, and vehicle insurance; solar, business, and vehicle loans, as well as loans against securities; and corporate advisory services, including investment and merchant banking, corporate finance, and IPO readiness services.

It also provides business and transaction advisory; taxation; governance, risk, and compliance; corporate services; and research and survey, bid process management, policy formation and advisory, and monitoring and evaluation services.

In addition, the company offers direct, indirect, and international taxation services; insurance and mutual fund distribution; and management consulting services, as well as operates Choice FinX trading app. The company was incorporated in 1993 and is based in Mumbai, India.

Stock analysis

Choice International Limited (CHOICEIN) currently trades at ₹749.55, while our model-based Fair Value estimate is ₹64.40, 91% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Earnings-Based group reads highest at a median of ₹382.33 per share, and 0 of the 7 models we run sit above the ₹749.55 price.

Bear case: the Asset-Based group reads lowest at ₹22.86, and 7 of the 7 models stay below the price. Data coverage for this calculation is low.

Scenario range: ₹52.33 (bear) to ₹111.52 (bull), the price of ₹749.55 sits above 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 ₹11.4B in FY2026 versus ₹2.8B in FY2022, a compound +42.7%/yr. Reported net income was ₹2.2B in FY2026, compounding +42.0%/yr from FY2022.

Key figures

Market cap ₹167B (≈ $1.8B) Small · P/E ratio 65.3 · P/S ratio 14.8 · EPS (TTM) ₹11.48 · Net margin 20.2% · Return on equity 16.2% · Return on assets (EBIT) 9.8% (5-year average) · Operating margin 27.4%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 66 out of 100 (low confidence).

What moves the price

The share trades about 12% below its 52-week high and 28% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at 7% fair-value upside, at −91%, CHOICEIN screens richer than that median.

Fair Value models

The price assumes far more growth than our models allow for, so the models scatter widely (₹22.86 to ₹463.34). Read the Fair Value as a cautious anchor, not a price target; the Growth Forecast section shows what the price assumes.
Bear ₹52.33 Fair Value ₹64.40 Bull ₹111.52
Price ₹749.55 · Downside -91.4%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2026 figures (about 7 months old). Earnings retained since then (₹7.08 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. Coverage ⓘCoverage = 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.
Best data coverage
Owner Earnings ₹42.61 ₹75.76 ₹131.20 74
Residual Income ₹61.56 ₹68.10 ₹82.22 71
Graham-Dodd ₹66.44 ₹463.34 ₹650.22 63
All 7 models by family
DCF Models
Owner Earnings ₹42.61 ₹75.76 ₹131.20 74
Earnings-Based
Graham-Dodd ₹66.44 ₹463.34 ₹650.22 63
Lynch FV ₹210.92 ₹301.32 ₹391.72 61
Multiples
P/E Multiple ₹95.26 ₹127.02 ₹158.77 63
P/B Multiple ₹72.25 ₹96.33 ₹120.42 55
Asset-Based
NCAV (Graham) ₹15.09 ₹22.86 ₹28.57 54
Economic Profit
Residual Income ₹61.56 ₹68.10 ₹82.22 71

The fair value above starts from this blend and is adjusted for dilution from new shares.

Open the full fair value analysis →

Quality Score breakdown

Overall quality 37/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 49
How much profit the company makes from its sales and capital
Quality Growth 62
Are margins and returns getting better?
Cashflow 0
Do the profits arrive as real cash?
Financial strength 56
Debt, balance sheet and risk of trouble
Investment 21
Does it invest with discipline instead of growing at any price?
Low Volatility 81
How calm the share price moves, does not count
Price momentum 38
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 45
Distance to the 52-week high, does not count
New shares 23
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

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
+25.8%
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.
+43.3%
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.
+47.2%
Start year 2021 (pandemic). Over 10 years: +20.2% a year
Revenue growth 18 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.
+47.1%
What shareholders gained per year (last 5 years), in INR ⓘ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. Basis: EBIT basis. 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.
+17.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+17.7%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.33.0% vs 18.4%, picking up
Profit margin 2020 to 2026 ⓘ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.24% → 28%
Pace: the 5-year rate starts in 2021 (pandemic)

CHOICEIN screens overvalued: fair value 91% below the price. Compare with Morgan Stanley →

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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 · 455 stocks

Beats the industry median on 5/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 37 · Bottom 25%
Fair Value upside −91.4% · Bottom 25%
Profitability
Return on equity (12 months) 16.2% · Above median
Return on assets 6.1% · Top 25%
Net margin (12 months) 20.2% · Above median
Operating margin (12 months) 27.4% · Above median
Growth and dividend
Revenue growth (quarter YoY) 34.4% · Above median
Balance sheet
Debt / equity 0.24× · Above median

Valuation Multiplesvs Capital Markets median · lower = cheaper

P/E (12 months) 65.3× · Priciest 25%
P/B 9.99× · Priciest 25%
P/S (12 months) 14.78× · Priciest 25%
EV/EBITDA 49.3× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 33
FUTURE (revenue growth)100 · sector 58
PAST (return on equity)65 · sector 32
HEALTH (low debt)88 · sector 94
DIVIDEND (yield)0 · sector 46

VALUE 0: the price sits above our fair-value range.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Capital Markets stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Morgan Stanley MS $187.56 $260.72 +39% vs CHOICEIN
The Charles Schwab Corporation SCHW $93.03 $117.60 +26% vs CHOICEIN
Guotai Haitong Securities Co 601211 ¥16.21 ¥18.02 +11% vs CHOICEIN
The Goldman Sachs Group GS $910.19 $1,009 +11% vs CHOICEIN
Nomura Holdings NMR $9.51 $10.15 +7% vs CHOICEIN
CITIC Securities Company 600030 ¥25.53 ¥20.42 −20% vs CHOICEIN
Robinhood Markets, Inc HOOD $81.33 $47.60 −41% vs CHOICEIN
Macquarie Group MQG A$249.23 A$144.90 −42% vs CHOICEIN
East Money Information Co 300059 ¥18.78 ¥6.72 −64% vs CHOICEIN
Interactive Brokers Group IBKR $77.59 $17.48 −77% vs CHOICEIN

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Choice International Limited: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Choice International Limited Fair Value". https://www.fairvalue-calculator.com/stock/CHOICEIN

Frequently asked questions

Is Choice International Limited (CHOICEIN) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of ₹64.40 versus a price of ₹749.55, about 91% lower (overvalued).
What is the fair value of CHOICEIN?
Our model-based fair value for Choice International Limited is ₹64.40 (as of Nov 8, 2026), built from audited fundamentals. The current price: ₹749.55.
What is the quality score of CHOICEIN?
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 (CHOICEIN)?
Our model-based price target is the fair value of ₹64.40 (as of Nov 8, 2026) from 7 valuation models. Cautious scenario ₹52.33, optimistic scenario ₹111.52. 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 ₹64.40, about 91% lower versus a price of ₹749.55 (overvalued). Cautious scenario ₹52.33, optimistic scenario ₹111.52. The calculation is refreshed regularly with new filings.
What is the revenue of Choice International Limited (CHOICEIN)?
Choice International Limited reported trailing-twelve-month revenue of about ₹11.3B (latest available figure, as of Nov 8, 2026).
What is the intrinsic value of Choice International Limited (CHOICEIN)?
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 ₹64.40 per share (as of Nov 8, 2026), against a price of ₹749.55. It is the blended result of 7 valuation models in 5 families (DCF Models, Earnings-Based, Multiples, Asset-Based, Economic Profit).
Is Choice International Limited stock overvalued or undervalued in 2026?
As of Nov 8, 2026, CHOICEIN trades above its calculated fair value: price ₹749.55, fair value ₹64.40, a gap of about −91% (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 CHOICEIN?
No. The price is what the market pays today (₹749.55); the fair value is what the company's own numbers justify (₹64.40). For Choice International Limited the two are ₹685.15 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 ₹167B (market capitalisation, as of Nov 8, 2026). Per share that is ₹749.55; our models calculate a fair value of ₹64.40 per share.
What do the bullish and bearish scenarios say about CHOICEIN?
Our models span a range for Choice International Limited: cautious scenario ₹52.33, base ₹64.40, optimistic ₹111.52 per share (as of Nov 8, 2026, price ₹749.55). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CHOICEIN?
Choice International Limited trades at a price-to-earnings ratio of 65.3 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹64.40 is built from several models across several years. Other multiples: P/B 10.0, P/S 14.8, EV/EBITDA 49.3.
How solid is the balance sheet of Choice International Limited (CHOICEIN)?
Balance-sheet figures for Choice International Limited (as of Nov 8, 2026): return on equity 16.2%, debt of 0.24 per unit of equity. They feed the Quality Score of 37/100, which measures business quality independently of the share price.
How far is CHOICEIN from its 52-week high?
Choice International Limited trades at ₹749.55, about 12% below its 52-week high of ₹850.30 and 28% above the low of ₹583.95 (as of Nov 9, 2026). Distance from the high says nothing about value: that is what the fair value of ₹64.40 is for.
Which stocks are comparable to Choice International Limited?
From the same area (Financial Services) we also value Morgan Stanley, 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 Nov 8, 2026: price ₹749.55, calculated fair value ₹64.40 (−91%), Quality Score 37/100, from 7 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 CHOICEIN calculated?
We run Choice International Limited through 7 models from 5 families: DCF Models, Earnings-Based, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of ₹64.40 builds on their evidence-weighted average, 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 15.1% 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 (CHOICEIN)?
The closing price on Nov 9, 2026 was ₹749.55. Our model-based fair value is ₹64.40, about 91% lower (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?
The price sits above even our optimistic bull case (₹111.52). The favourable scenario is already priced in. Weak quality (37/100) and above fair value at the same time, the margin of safety is missing on both counts. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. A fairly wide model range (₹52.33 to ₹111.52) leaves room in how you read the outcome.
Where does the earnings growth of Choice International Limited (CHOICEIN) come from?
Earnings per share at Choice International Limited grew +19.6 % a year from 2015 to 2026. Broken into its drivers: revenue per share +1.9 %, EBIT margin +11.5 %, tax rate +1.3 %, residual (interest, one-offs) +3.9 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Choice International Limited

How large is the market capitalisation of Choice International Limited (CHOICEIN)?
The market capitalisation of Choice International Limited is ₹167B (≈ $1.8B). 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 (CHOICEIN)?
The price-to-sales ratio of Choice International Limited is 14.8 (last twelve months). 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 (CHOICEIN)?
Earnings per share at Choice International Limited are ₹11.48 (price ÷ EPS = P/E 65.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Choice International Limited (CHOICEIN)?
The net margin of Choice International Limited is 20.2% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Choice International Limited (CHOICEIN)?
The return on equity (ROE) of Choice International Limited is 16.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Choice International Limited (CHOICEIN)?
On an EBIT basis the return on assets of Choice International Limited is 9.8% (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 (CHOICEIN)?
The operating margin of Choice International Limited is 27.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Choice International Limited (CHOICEIN)?
Revenue at Choice International Limited is growing +34.4% versus a year earlier (3y avg +43.3%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Choice International Limited (CHOICEIN)?
Earnings per share at Choice International Limited are growing +15.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Choice International Limited (CHOICEIN) generate?
The free cash flow of Choice International Limited is −₹3.7B (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Choice International Limited (CHOICEIN) carry?
The net debt of Choice International Limited is ₹3.9B (fiscal year 2026). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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