CHOICEINFinancial Services

Choice International Limited

Holding Company · ISIN INE102B01014 · BSE 531358 · NSE EQ · FV ₹10
Last price
₹738
+1.70%today
What this company does

Choice International Limited operates in Holding Company, part of the Financial Services sector. It booked ₹310 cr of revenue in its latest quarter (Q1 FY27) and kept 19.6% of sales as profit. It is the 3rd largest of 9 Holding Company companies we track, by market value.

Innovation: The Only way to win is being creative Incorporated in the year 1993, the “Choice” group finds its legacy in solving financial problems and bridging the gap for our clients, Consistency: Only factor which is more important than Perfection may they be Individuals, Institutions or Judicial or Quasi Judicial Empowerment: Hustle Today to empower your tomorrow. Bodies/ Government Agencies.
Their stated vision

is to empower our clients financially by delivering innovation and prosperity through our offerings.

Their stated mission

is to consistently become better at what we do by serving our clients, shareholders and society with ideas and products to promote financial growth for everyone and contributing to a sustainable future.

In the report:
54out of 100
Equitytale Health Score
Mixed

Healthier than 54% of companies in Financial Services, on the 5 of 6 measures we could read for it. Each measure is ranked against the 26–250 companies that reported it.

Measures financial condition, not whether to buy. Learn what this score means · How this is calculated

Price momentum
neutral
RSI (14)
35

At close. Not part of the score.

Profitability & returns58

How much profit it earns on the money it employs

Cash quality29

Whether reported profit actually arrives as cash

Growth & consistency96

Whether sales and profit have grown, and how steadily

Valuation7

What today's price implies, against our models or its peers

Governance & risk72

How much of the promoters' stake is pledged, and how much they hold

Not measurable for this company: balance sheet. Those pillars are left out of the score rather than counted as zero.

Is this company doing well?
not investment advice
Strengths
Makes a profit
Strong 20% net margin
Sales up 32% vs last year
Profit up 35% vs last year
Promoters hold 54%
Watch-outs
! 11.9% of promoter stake pledged
! Operating cash flow is negative

What if I invest in CHOICEIN?

Set a growth rate and see what a monthly SIP would add up to. Your assumption, our arithmetic.

You would put in
₹12.00 lakh
120 instalments
At 10% a year, it would become
₹20.15 lakh

The starting rate is a round number, not a view on this company — this is your assumption, and the figure above is arithmetic on it. Returns are not steady year to year, and a real holding would not grow in a straight line. We do not publish price targets or predict returns.

Key ratios · latest quarter + price
₹738 +1.70%
latest close · 2026-09-17
52-wk low ₹7498 sessions so far52-wk high ₹854
Is it cheap or expensive?
What you pay for the profits, book value and cash flow. Higher isn't automatically worse — it can signal faster growth.
P/E ratio67.8High
LowAverageHigh
P/B ratio9.84High
Below bookModerateHigh
How good is the business?
How much profit it earns from its money and its sales.
Return on equity14.5%Fair
WeakFairStrong ▸15%
Return on capital18.9%Strong
WeakFairStrong
Net margin19.6%Strong
ThinDecentStrong
Is it financially safe?
How much it owes, and whether it can comfortably cover it.
Debt to equity0.48Comfortable
LowModerateHigh ▸1
Current ratio2.06Ample
Tight ◂1HealthyAmple
More figures
Market cap
₹16,441 cr
Book value
₹75
EPS
₹2.72
latest quarter
Net debt
Enterprise value
EBITDA
EBIT
Operating margin
Return on assets
6.8%
Earnings yield
1.47%
P/S
13.27
Sales / share
₹55.6
Tax rate
24.2%
Face value
₹10
Shares
22.3 cr
Working capital
₹1,368 cr
Current assets
₹2,653 cr
Current liabilities
₹1,285 cr
Delivery %
30.6%
Strong / safeFairWeak / riskyValuation — a level, not good/badBands are general rules of thumb, not advice.

P/E, ROE, ROCE and margins are annualised from the latest quarter; per-share and balance-sheet ratios use the most recent balance sheet on file · prices as of 2026-09-17.

Worth vs price · from the FY 2024 report & filings
not investment advice
Hard to value confidentlyLow confidence
The market price is far above what these earnings- and book-based models support — a fast-growing or asset-light business can trade well above them for years, so we won't put a confident number on how overpriced it is.
Models span ₹66₹116, midpoint ₹91

An educational model from the company's own filings, every assumption shown — not investment advice or a price target. Prices can stay above or below any model for years.

P&L · Q1 FY27 (consolidated)
Revenue from Operations₹310 cr
Other Income₹9 cr
Total Income₹319 cr
Cost of Materials₹0 cr
Purchases of Stock-in-Trade₹0 cr
Employee Benefit Expense₹94 cr
Finance Costs₹28 cr
Depreciation & Amortisation₹6 cr
Other Expenses₹111 cr
Total Expenses₹239 cr
Profit before Tax₹80 cr
Tax Expense₹19 cr
Net Profit₹61 cr
Net margin on total income19.0%
Where the money goes · Q1 FY27
% of total income
Employee benefit expense₹94 cr29.5%
Finance costs₹28 cr8.7%
Depreciation & amortisation₹6 cr2.0%
Other expenses₹111 cr34.8%
Tax expense₹19 cr6.1%
Profit for the period₹61 cr19.0%
Total income ₹319 cradds up to ₹100 ✓
Quarterly results · consolidated (₹ cr)
MetricQ3 FY26Q4 FY26Q1 FY27
Revenue303 cr307 cr310 cr
Total income309 cr314 cr319 cr
Expenses216 cr227 cr239 cr
Profit before tax92 cr87 cr80 cr
Tax27 cr19 cr19 cr
Net profit (owners' share)66 cr60 cr61 cr
Net margin (owners' share, on revenue)21.6%19.7%19.6%
EPS (₹)3.093.052.72
YoY (latest quarter): total income +34.1% · net profit +34.6%
Balance sheet & cash flow · as of Mar 2026
Low debt
Total assets
₹3,566 cr
Shareholder equity
₹1,672 cr
parent shareholders
Total debt
₹884 cr
Cash
₹194 cr
Cash flow · H1 FY26
Operating
₹-67 cr
Investing
₹-71 cr
Financing
₹134 cr
Peer comparison
Holding Company · by market value
CompanyPriceMarket capP/E
Bajaj Finserv Limited₹1,859₹5.97 L cr23.7
Bajaj Holdings & Investment Limited₹11,010₹1.23 L cr11.3
Choice International Limitedthis company₹738₹16,441 cr67.8
Edelweiss Financial Services Limited₹128₹12,147 cr22.6
JM Financial Limited₹123₹11,724 cr10.0
Rane Holdings Limited₹1,626₹2,322 cr15.5
BF Investment Limited₹439₹1,653 cr2.8
Abans Financial Services Limited₹201₹1,022 cr4.1
Max India Limited₹140₹737 cr
Same industry · latest reported numbers · not a recommendation.
Corporate actions
Dividend yield
trailing 12 months
Dividend / share (TTM)
Last dividend
₹1
ex 9 Sep 2016
ActionDetailEx-date
Bonus issue1:120 Feb 2024
Bonus issue1:122 Sep 2022
Dividend₹1 / share9 Sep 2016
Dividend₹1 / share16 Sep 2015
Dividend₹1 / share19 Sep 2014
Dividend₹1 / share10 Sep 2013
Who owns it · 2026-06-30
11.9% pledged
Promoter
53.6%
FII / Foreign
10.1%
DII / Domestic
0.3%
Retail / others
36.0%
Promoter stake down 4.6% over the last 12 quarters.
Smart-money activity
Insider trades
SoldArun Kumar Poddar · Promoter6.00 L · ₹46.1 cr3 Sep 26
BoughtPatodia Properties Private Limited · Promoter Group9.50 L · ₹60.9 cr30 Mar 26
SoldPatodia Properties Private Limited · Promoter Group2.50 L · ₹16.0 cr30 Mar 26
Bulk / block deals
short · NSE1,71518 Mar 26
short · NSE11 Feb 26
short · NSE3,28631 Jul 25
Stake changes
BothPlutus Wealth Management LLP→ 8.66% · 66.67 L20 Feb 26
BoughtPlutus Wealth Management LLP→ 6.49% · 6.00 L29 Jan 26
BoughtSoansrishti Properties Private Limited (Formerly known as M/s. Rupang Properties Private Limited) · promoter→ 1.40% · 31.21 L5 Dec 25
Promoter pledges
ReleasedNA6.00 L · 0.27% held4 Sep 26
PledgedAditya Birla Finance Limited and SMFG India Credit Co Ltd2.60 L · 3.38% held30 Mar 26
ReleasedNational Securities Clearing Corporation Ltd10.60 L · 1.08% held30 Mar 26
What shareholders were asked to approve

A company cannot decide everything on its own. Things like a top executive’s pay, issuing new shares, or re-appointing a director have to be put to the people who own the company, and they vote — one vote per share. So whoever owns the most shares has the most say.

Yearly shareholder meeting · 17 Sep 2025
See the official result
1
To consider and adopt: A) Audited Standalone Financial Statements of the Company for the Financial Year ended March 31, 2025 and the Reports of the Board of Directors and Auditors thereon. B) Audited Consolidated Financial Statements of the Company for the Financial Year ended March 31, 2025 and the Reports of the Auditors thereon.
Backed by 100% of shareholders other than promotersneeded 50%
3.29 cr votes for, 6 against · 0% of mutual funds and other big investors said no
2
To appoint a director in place of Mr. Ajay Rajendra Kejriwal (DIN: 03051841) who retires by rotation and being eligible to offers himself for re-appointment.
Backed by 94% of shareholders other than promotersneeded 50%
2.93 cr votes for, 19.87 L against · 12% of mutual funds and other big investors said no
3
To approve Material Related Party Transactions to be entered into with the Subsidiary Companies
Promoters had a personal stake in this
Backed by 92% of shareholders other than promotersneeded 50%
3.01 cr votes for, 27.55 L against · 16% of mutual funds and other big investors said no
4
Approval for Material Related Party Transactions of the Company/ Subsidiaries of the Company with the Directors or the Promoters of the Company/ Subsidiaries of the Company
Promoters had a personal stake in this
Backed by 94% of shareholders other than promotersneeded 50%
3.10 cr votes for, 18.78 L against · 11% of mutual funds and other big investors said no

Every vote count above is taken from the result the company filed with the stock exchange, certified by an independent counter. To work out what would have happened without the promoters, we simply remove their votes and re-apply the same legal bar the proposal had to clear. Nothing here is an estimate or an opinion.

Who controls this company, and what it pays them

Most Indian companies are controlled by a family or group — the promoters. The exchange requires them to be listed by name, including members who own no shares at all, and requires the company to disclose any business it does with them.

The promoter group — 21 named members
owning 53.6% between them · as of 2026-06-30
Vinita Sunil Patodia11.13%
Arunkumar Poddar7.27%
Kamal Poddar7.18%
Suyash Sunil Patodia4.13%
Patodia Properties Private Limited3.80%
Hemlata Kamal Poddar3.59%
Sonu Poddar3.59%
Archana Anil Patodia2.83%
Business done with them
FY2025 · 3 of the group
The company paid ₹0 cr to companies in the promoter group last year — about 0.0% of its ₹910 cr revenue and received ₹26 cr back from them.
Soansrishti Properties Private Limited (Formely Known as Rupang Properties Private Limited)
Contribution received from them · Money Received Against Share Warrants
₹23 cr
company received
Kamal Poddar
Other income from them · Director's Remmuneration
also owns 7.18% of the company
₹2 cr
company received
Shree Shakambhari Exims Private Limited
Provided services to them · Revenue from Operations
also owns 1.08% of the company
₹14.4 L
company received

The company also transacted with 11 other related parties — subsidiaries, joint ventures, directors and others — that we could not match by name to the promoter list above. Some may still be connected to the family; we only count the ones the filings let us match with certainty.

Names and holdings from the company’s shareholding pattern filed with the exchange; transactions from the related-party note in its annual report. Every figure is as filed — these are legal, disclosed dealings, and what to make of them is your call.

How the stock has moved · adjusted for splits & bonuses
Data from primary exchange filings · analysis tool, not investment advice.