Choice International Limited (CHOICEIN) Fair Value & Analysis

Financial Services · IN · Market cap ₹161B

A solid business, but screening 87% overvalued on our models.

What matters now

• The price sits above even our optimistic bull case (₹131.30). The favourable scenario is already priced in.
• Solid but not exceptional quality (51/100) and above fair value, neither a clear bargain nor a standout compounder.
• For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Price vs Fair Value (4 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 2, 2026.

How to read this chart

52‑month range ₹75.09 – ₹850.30 · fair‑value band ₹78.78 – ₹131.30 · the ₹814.50 price screens above the ₹105.04 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 2, 2026.

Full chart & analysis →

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Analysis

Choice International Limited (CHOICEIN) currently trades at ₹814.50, while our model-based Fair Value estimate is ₹105.04, implying the stock looks roughly 87.1% overvalued today. The Quality Score stands at 51/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).

Over the trailing twelve months, Choice International Limited generated revenue of ₹10.6B at a net margin of 20.6%. Revenue grew 21.8% year over year. It earns a return on equity of 16.2%. Net debt stands at ₹3.9B. Fundamentals as of Aug 2, 2026

Our scenario range runs from ₹78.78 (bear case) to ₹131.30 (bull case); at ₹814.50, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 5% below its 52-week high and 43% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 16% fair-value upside, at -87%, CHOICEIN screens richer than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Widest divergence: Earnings-Based (₹341.97) versus Dividend Discount (₹44.21). Highest evidence: Residual Income (76).

Key figures & financial health

Quality Score breakdown

About the company

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.

Full company description

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. 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.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2022 – FY2026 · reported fiscal years

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.

CHOICEIN screens 87% overvalued. Compare with Mirae Asset Securities Co →

Peer Group

Capital Markets · 425 stocks

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.

Valuation Multiples vs Capital Markets median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

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

Values & ESG

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

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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Frequently asked questions

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.