Ujjivan Small [UJJIVANSFB] vs Choice International [CHOICEIN] Detailed Stock Comparison
Ujjivan Small
NSE
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Choice International
NSE
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TLDR: Quick Comparison Summary
Based on 20 vital metrics comparison: Ujjivan Small wins in 7 metrics, Choice International wins in 10 metrics, with 0 ties. Choice International appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Ujjivan Small | Choice International | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 16.44 | 87.83 | Ujjivan Small |
| Price-to-Book Ratio | 1.47 | 14.94 | Ujjivan Small |
| Debt-to-Equity Ratio | 0.47 | 41.87 | Ujjivan Small |
| PEG Ratio | -0.25 | 1.84 | Ujjivan Small |
| EV/EBITDA | N/A | 53.29 | N/A |
| Profit Margin (TTM) | 14.73% | 20.31% | Choice International |
| Operating Margin (TTM) | 15.40% | 29.00% | Choice International |
| EBITDA Margin (TTM) | 15.40% | 29.00% | Choice International |
| Return on Equity | 9.03% | 14.72% | Choice International |
| Return on Assets (TTM) | 1.52% | 6.21% | Choice International |
| Free Cash Flow (TTM) | $18.61B | $-4.51B | Ujjivan Small |
| Dividend Yield | 3.07% | N/A | N/A |
| 1-Year Return | 19.26% | 62.99% | Choice International |
| Price-to-Sales Ratio (TTM) | 2.50 | 18.85 | Ujjivan Small |
| Enterprise Value | $115.43B | $154.98B | Choice International |
| EV/Revenue Ratio | 3.22 | 17.62 | Ujjivan Small |
| Gross Profit Margin (TTM) | N/A | 70.08% | N/A |
| Revenue per Share (TTM) | $19 | $44 | Choice International |
| Earnings per Share (Diluted) | $2.82 | $8.75 | Choice International |
| Beta (Stock Volatility) | 0.40 | -0.67 | Choice International |
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends
Ujjivan Small vs Choice International Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Ujjivan Small | 0.23% | 7.15% | 11.36% | -2.01% | 38.16% | 40.61% |
| Choice International | 1.80% | -7.27% | -3.29% | 10.40% | 50.63% | 38.10% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Ujjivan Small | 19.26% | 87.30% | 50.25% | -7.25% | -7.25% | -7.25% |
| Choice International | 62.99% | 523.84% | 917.39% | 917.39% | 917.39% | 917.39% |
News Based Sentiment: Ujjivan Small vs Choice International
Ujjivan Small
News based Sentiment: MIXED
Ujjivan Small Finance Bank experienced a significant profit decline in Q1 FY26, but simultaneously unveiled an ambitious strategic roadmap targeting substantial growth by FY30. This combination of negative short-term results and positive long-term vision creates a mixed investment narrative, driving both concern and optimism.
Choice International
News based Sentiment: POSITIVE
September was a highly significant month for Choice International, characterized by exceptionally strong financial results for both FY25 and Q1 FY26, coupled with strategic acquisitions and expansion into new business areas like mutual funds and green energy. These developments collectively signal a robust growth trajectory and positive outlook for the company.
Performance & Financial Health Analysis: Ujjivan Small vs Choice International
| Metric | UJJIVANSFB | CHOICEIN |
|---|---|---|
| Market Information | ||
| Market Cap | ₹91.41B | ₹165.27B |
| Market Cap Category | Mid cap | Mid cap |
| 10 Day Avg. Volume | 9,041,481 | 464,318 |
| 90 Day Avg. Volume | 8,116,984 | 486,805 |
| Last Close | ₹48.34 | ₹780.00 |
| 52 Week Range | ₹30.88 - ₹51.87 | ₹438.45 - ₹836.80 |
| % from 52W High | -6.81% | -6.79% |
| All-Time High | ₹63.00 (Dec 11, 2023) | ₹836.80 (Sep 25, 2025) |
| % from All-Time High | -23.27% | -6.79% |
| Growth Metrics | ||
| Quarterly Revenue Growth | -0.15% | 0.13% |
| Quarterly Earnings Growth | -0.66% | 0.50% |
| Financial Health | ||
| Profit Margin (TTM) | 0.15% | 0.20% |
| Operating Margin (TTM) | 0.15% | 0.29% |
| Return on Equity (TTM) | 0.09% | 0.15% |
| Debt to Equity (MRQ) | 0.47 | 41.87 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | ₹31.44 | ₹51.45 |
| Cash per Share (MRQ) | ₹1.13 | ₹25.31 |
| Operating Cash Flow (TTM) | ₹8.23B | ₹-2,481,954,000 |
| Levered Free Cash Flow (TTM) | ₹7.26B | ₹1.63B |
| Dividends | ||
| Last 12-Month Dividend Yield | 3.07% | N/A |
| Last 12-Month Dividend | ₹1.50 | N/A |
Valuation & Enterprise Metrics Analysis: Ujjivan Small vs Choice International
| Metric | UJJIVANSFB | CHOICEIN |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 16.44 | 87.83 |
| Forward P/E | 8.70 | 51.17 |
| PEG Ratio | -0.25 | 1.84 |
| Price to Sales (TTM) | 2.50 | 18.85 |
| Price to Book (MRQ) | 1.47 | 14.94 |
| Market Capitalization | ||
| Market Capitalization | ₹91.41B | ₹165.27B |
| Enterprise Value | ₹115.43B | ₹154.98B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 3.22 | 17.62 |
| Enterprise to EBITDA | N/A | 53.29 |
| Risk & Other Metrics | ||
| Beta | 0.40 | -0.67 |
| Book Value per Share (MRQ) | ₹31.44 | ₹51.45 |
Financial Statements Comparison: Ujjivan Small vs Choice International
Financial Metrics
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Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | UJJIVANSFB | CHOICEIN |
|---|---|---|
| Revenue/Sales | ₹11.05B | ₹2.34B |
| Cost of Goods Sold | N/A | ₹699.85M |
| Gross Profit | N/A | ₹1.64B |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | ₹799.35M |
| EBITDA | N/A | ₹867.99M |
| Pre-Tax Income | ₹1.36B | ₹628.87M |
| Income Tax | ₹323.20M | ₹149.26M |
| Net Income (Profit) | ₹1.03B | ₹479.61M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | UJJIVANSFB | CHOICEIN |
|---|---|---|
| Cash & Equivalents | ₹31.57B | ₹1.39B |
| Total Current Assets | N/A | ₹18.81B |
| Total Current Liabilities | N/A | ₹11.94B |
| Long-Term Debt | ₹18.55B | ₹2.94B |
| Total Shareholders Equity | ₹60.83B | ₹11.06B |
| Retained Earnings | ₹20.33B | ₹5.22B |
| Property, Plant & Equipment | ₹10.38B | ₹4.01M |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | UJJIVANSFB | CHOICEIN |
|---|---|---|
| Operating Cash Flow | ₹3.95B | N/A |
| Capital Expenditures | N/A | N/A |
| Free Cash Flow | ₹11.52B | N/A |
| Debt Repayment | N/A | N/A |
| Common Stock Repurchase | N/A | N/A |
Short Interest & Institutional Ownership Analysis
| Metric | UJJIVANSFB | CHOICEIN |
|---|---|---|
| Shares Short | N/A | N/A |
| Short Ratio | N/A | N/A |
| Short % of Float | N/A | N/A |
| Average Daily Volume (10 Day) | 9,041,481 | 464,318 |
| Average Daily Volume (90 Day) | 8,116,984 | 486,805 |
| Shares Outstanding | 1.94B | 199.66M |
| Float Shares | 1.84B | 40.50M |
| % Held by Insiders | 0.05% | 0.69% |
| % Held by Institutions | 0.23% | 0.05% |
Dividend Analysis & Yield Comparison: Ujjivan Small vs Choice International
| Metric | UJJIVANSFB | CHOICEIN |
|---|---|---|
| Last 12-Month Dividend | ₹1.50 | N/A |
| Last 12-Month Dividend Yield | 3.07% | N/A |
| 3-Year Avg Annual Dividend | ₹0.92 | N/A |
| 3-Year Avg Dividend Yield | 2.46% | N/A |
| 3-Year Total Dividends | ₹2.75 | N/A |
| Ex-Dividend Date | Jul 12, 2024 | N/A |