CHOICEIN · Financial Services
Choice International Ltd. reported total income of ₹310 cr for April to June 2026, +31.9% on the year and +1.0% on the quarter. That is in line with how this quarter has grown in recent years (+31.3% on average). It is the highest quarterly income in the last 12 quarters on record. Over the last four quarters income comes to ₹1,194 cr, +26.5% on the four before.
Net profit was ₹61.0 cr, +27.1% on the year and −10.3% on the quarter, with earnings per share of ₹2.48. The tax rate of 24% is in line with its recent average. Profit over the last four quarters totals ₹251 cr, +40.2% on the four before.
An NBFC's quarter turns on loan growth, its cost of borrowing and credit costs; profit can rise for a while simply because provisions fall. The quarterly statements do not carry AUM growth, stage 2 and 3 assets, credit cost and the cost of funds; those come with the filing read.
Written from the quarterly statements. The filing read adds the balance sheet and cash flow, the auditor's review, segment results, one-off items line by line and what management said on the call.
No check fired. That is a statement about the checks below, not a verdict on the company.
Could not run on this quarter: Exceptional items that recur, Auditor's review or audit report, IPO money used as stated, Related-party transactions, Exits, postponements, restatements, Promoter pledges and allotments, Earlier promises against delivery, When the results were filed, Asset quality (lenders), Net interest margin (lenders), Net interest income against profit (lenders). Most need the filing read (balance sheet, cash flow, auditor, disclosures).
Net profit a year ago, each driver's change, and net profit now. Blue added profit, red took it away.
Lenders are read on NIM, asset quality, provision cover and credit cost. Those come from the filing read, which is not in yet for this quarter, so margin, other-income and cash checks are withheld rather than shown on a template built for manufacturers.
| Q2 FY24 | Q3 FY24 | Q4 FY24 | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total income | ₹191 cr | ₹207 cr | ₹215 cr | ₹201 cr | ₹247 cr | ₹209 cr | ₹253 cr | ₹235 cr | ₹274 cr | ₹303 cr | ₹307 cr | ₹310 cr |
| YoY | — | — | — | +46% | +29% | +1% | +18% | +17% | +11% | +45% | +21% | +32% |
| Exceptional items | — | — | — | — | — | — | — | — | — | — | — | — |
| Tax rate | 25% | 28% | 29% | 26% | 23% | 29% | 28% | 24% | 24% | 29% | 22% | 24% |
| Net profit | ₹30.0 cr | ₹40.0 cr | ₹39.0 cr | ₹32.0 cr | ₹46.0 cr | ₹31.0 cr | ₹54.0 cr | ₹48.0 cr | ₹56.0 cr | ₹66.0 cr | ₹68.0 cr | ₹61.0 cr |
| YoY | — | — | — | +52% | +53% | −22% | +38% | +50% | +22% | +113% | +26% | +27% |
| EPS | ₹1.48 | ₹1.98 | ₹1.93 | ₹1.48 | ₹2.31 | ₹1.47 | ₹2.59 | ₹2.19 | ₹2.69 | ₹2.56 | ₹2.71 | ₹2.48 |
| Flags | · | · | · | 1 | 1 | 2 | 1 | 1 | ✓ | ✓ | ✓ | ✓ |
Each quarter is read with the same rules. Balance-sheet and cash checks run on half-year and annual quarters; filing-read checks run where a read exists.
Choice International Ltd. reported total income of ₹310 cr (+31.9% on the year) and net profit of ₹61.0 cr (+27.1% on the year) for April to June 2026.
None of the 2 checks that could run raised a question.
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