Choice International Limited
Momentum (91/100) does the heavy lifting; valuation (0/100) is the drag.
ExpensiveOvervaluedStocksWizard rates Choice International Limited a Hold, scoring 45/100 on our blended model. We put fair value near ₹411.48; at ₹822.95 that leaves roughly 50% downside, so the stock screens overvalued by 50%. On 71.9x trailing earnings it sits pricier than the Financial Services median of about 24.3x. It's trading right at its 52-week high of ₹850.3. Financial health scores 74/100, with a Piotroski F-score of 2/9. It clears 8 of 12 investability checks, with durability 74, valuation 0 and momentum 91 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹329.18.
1-year price
EOD · 2026-07-3152-week range
-3.22% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Hold45Piotroski F-score 2/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- Pass: ROE above 15%: 16.2%
- Pass: Low debt (D/E < 0.5): 0.50x
- Fail: Positive free cash flow
- Pass: Revenue growth > 10%: 22%
- Pass: Earnings growing: 15%
- Pass: Net margin ≥ 10%: 20.6%
- Pass: Current ratio > 1.5: 1.97
- Fail: Below our fair value
- Fail: Margin of safety ≥ 20%
- Pass: Above 200-day average
- Pass: Above 50-day average
- No data: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 2/9
Quarterly results
Annual financials
Shareholding
- Promoter67.6%
- Institutions10.6%
- Public & other21.7%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Healthy profit margin (20.6%).
Opportunities
- Earnings growing (15% YoY).
- Revenue growing (22% YoY).
Bear case
Weaknesses
- Weak Piotroski score (2/9).
Threats
- Rich valuation versus sector peers.
- Trades ~50% above our estimated fair value.
About Choice International Limited
Choice International Limited operates through three segments in India: Broking & Distribution Services, Advisory Services, and NBFC Services. The company provides equity broking, wealth management services including asset allocation and risk management, insurance products covering health, life, commercial and vehicle categories, and various loan offerings including solar, business, vehicle loans and loans against securities.
Choice International Limited — frequently asked questions
Is Choice International Limited a buy, hold or sell?
StocksWizard currently rates Choice International Limited (CHOICEIN) a Hold, based on a blended score of 45/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is Choice International Limited's fair value?
Our blended DCF and relative-valuation model estimates Choice International Limited's fair value at about ₹411.48, versus a current price of ₹822.95 — roughly 50% downside. On that basis the stock looks overvalued by 50%.
Is Choice International Limited financially healthy?
Choice International Limited scores 74/100 on our financial-health model, with a Piotroski F-score of 2/9.
How has Choice International Limited's share price performed?
Choice International Limited is up 25% over three months, and last traded at ₹822.95. Past performance doesn't predict future returns.
More in Financial Services
View allOur verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.