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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
Choice International Limited is an India-based integrated and diversified financial services company. The Company's segments include Broking & Distribution services, NBFC services, and Advisory Services. The Broking & Distribution services segment includes stock broking,…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A decent, fast-growing business, reasonably priced.
Choice International is scored on the nbfc / financials framework. It keeps a fat 21.3% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 42%/yr and profit at 58%/yr. Book value itself has compounded 56%/yr — the hallmark of a genuine compounder. Return on equity is a healthy 13.3%. In the latest quarter profit fell 11% versus the prior quarter.
At 66× earnings, the stock sits at the 34th percentile of its own 3.6-year range — the middle of where it has historically traded. Today's price already implies ~25%/yr earnings growth sustained for a decade — a demanding bar. The books come through clean — a forensic grade of A.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 63.34 | 21.14 | worse |
| P/B | 9.47 | 3.35 | worse |
| EV/EBITDA | 35.83 | 181.16 | better |
| ROE | 13.28 | — | — |
| ROCE | 15.08 | 5.66 | better |
| ROA | 6.36 | — | — |
| Quick Ratio | 2.05 | — | — |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| Bajaj Finance | 30.6 | 5.5 | 17.6% |
| Bajaj Finserv | 13.6 | 3.5 | 12.7% |
| Shriram Finance | 17.8 | 2.0 | 11.4% |
Not applicable for this sector.
Revenue has grown every year across all 4 financial years shown. 42% CAGR over 3 years — high-growth territory.
Net profit has risen every year — the hallmark of a compounder. Profit is growing faster than revenue (58% vs 42%) — margin expansion is at work. The latest year saw a +46% swing — check if it's a one-off or structural.
Operating margin has expanded from 21% to 28% — the business is keeping more of each rupee earned.
ROE at 13% — a respectable return on shareholder capital.
EPS has grown every year — each share earns more than the last, consistently. Profit grew faster than EPS (58% vs 55%) — share dilution is eroding per-share value. 55% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
3 of 4 years had negative operating cash flow — profitability on paper may not translate to cash. Investing outflows exceed operating cash — the company relies on external funding to finance expansion.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue broadly flat QoQ — stable but not accelerating.
Profit fell 11% QoQ — one-quarter drops can be noise, but a pattern matters.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.6y median.
Promoter holding at 53.6% — majority control intact. FIIs trimmed 2.2pp — foreign money is rotating out.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.