Ujjivan Small [UJJIVANSFB] vs Choice International [CHOICEIN] Detailed Stock Comparison
TLDR: Quick Comparison Summary
Based on 20 vital metrics comparison: Ujjivan Small Finance Bank Ltd. wins in 8 metrics, Choice International Limited wins in 9 metrics, with 0 ties. Choice International Limited appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Ujjivan Small Finance Bank Ltd. | Choice International Limited | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 22.54 | 62.49 | Ujjivan Small Finance Bank Ltd. |
| Price-to-Book Ratio | 1.74 | 8.29 | Ujjivan Small Finance Bank Ltd. |
| Debt-to-Equity Ratio | 0.49 | 49.77 | Ujjivan Small Finance Bank Ltd. |
| PEG Ratio | -1.09 | 0.64 | Choice International Limited |
| EV/EBITDA | N/A | 37.02 | N/A |
| Profit Margin (TTM) | 13.02% | 22.27% | Choice International Limited |
| Operating Margin (TTM) | 22.21% | 30.11% | Choice International Limited |
| EBITDA Margin (TTM) | 22.21% | 30.11% | Choice International Limited |
| Return on Equity | 11.94% | 11.93% | Ujjivan Small Finance Bank Ltd. |
| Return on Assets (TTM) | 1.52% | 6.10% | Choice International Limited |
| Free Cash Flow (TTM) | $18.61B | $-3.69B | Ujjivan Small Finance Bank Ltd. |
| Dividend Yield | 3.07% | N/A | N/A |
| 1-Year Return | 11.60% | -3.05% | Ujjivan Small Finance Bank Ltd. |
| Price-to-Sales Ratio (TTM) | 2.91 | 15.56 | Ujjivan Small Finance Bank Ltd. |
| Enterprise Value | $119.07B | $157.50B | Choice International Limited |
| EV/Revenue Ratio | 3.14 | 15.69 | Ujjivan Small Finance Bank Ltd. |
| Gross Profit Margin (TTM) | N/A | 70.31% | N/A |
| Revenue per Share (TTM) | $20 | $49 | Choice International Limited |
| Earnings per Share (Diluted) | $2.52 | $11.22 | Choice International Limited |
| Beta (Stock Volatility) | 0.46 | -0.47 | Choice International Limited |
Ujjivan Small Finance Bank Ltd. vs Choice International Limited Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Ujjivan Small Finance Bank Ltd. | 4.00% | 9.14% | 2.01% | 12.91% | 4.98% | 6.65% |
| Choice International Limited | 4.27% | 8.36% | 5.72% | 13.67% | -9.06% | -16.22% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Ujjivan Small Finance Bank Ltd. | 11.60% | 45.83% | 77.79% | 5.31% | 5.31% | 5.31% |
| Choice International Limited | -3.05% | 252.29% | 794.30% | 794.30% | 794.30% | 794.30% |
Performance & Financial Health Analysis: Ujjivan Small Finance Bank Ltd. vs Choice International Limited
| Metric | UJJIVANSFB | CHOICEIN |
|---|---|---|
| Market Information | ||
| Market Cap | ₹110.39B | ₹156.35B |
| Market Cap Category | Mid cap | Mid cap |
| 10 Day Avg. Volume | 16,581,344 | 839,931 |
| 90 Day Avg. Volume | 14,611,474 | 788,971 |
| Last Close | ₹56.95 | ₹702.25 |
| 52 Week Range | ₹41.32 - ₹68.00 | ₹568.70 - ₹860.50 |
| % from 52W High | -16.25% | -18.39% |
| All-Time High | ₹68.00 (Jan 23, 2026) | ₹860.50 (Jan 05, 2026) |
| % from All-Time High | -16.25% | -18.39% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.32% | 0.22% |
| Quarterly Earnings Growth | 0.71% | 0.13% |
| Financial Health | ||
| Profit Margin (TTM) | 0.13% | 0.22% |
| Operating Margin (TTM) | 0.22% | 0.30% |
| Return on Equity (TTM) | 0.12% | 0.12% |
| Debt to Equity (MRQ) | 0.49 | 49.77 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | ₹32.73 | ₹84.54 |
| Cash per Share (MRQ) | ₹12.27 | ₹25.56 |
| Operating Cash Flow (TTM) | ₹8.23B | ₹-2,432,112,000 |
| Levered Free Cash Flow (TTM) | ₹7.26B | ₹2.18B |
| Dividends | ||
| Last 12-Month Dividend Yield | 3.07% | N/A |
| Last 12-Month Dividend | ₹1.50 | N/A |
Valuation & Enterprise Metrics Analysis: Ujjivan Small Finance Bank Ltd. vs Choice International Limited
| Metric | UJJIVANSFB (Apr 24, 2026) | CHOICEIN (Apr 26, 2026) |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 22.54 | 62.49 |
| Forward P/E | 10.64 | 46.65 |
| PEG Ratio | -1.09 | 0.64 |
| Price to Sales (TTM) | 2.91 | 15.56 |
| Price to Book (MRQ) | 1.74 | 8.29 |
| Market Capitalization | ||
| Market Capitalization | ₹110.39B | ₹156.35B |
| Enterprise Value | ₹119.07B | ₹157.50B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 3.14 | 15.69 |
| Enterprise to EBITDA | N/A | 37.02 |
| Risk & Other Metrics | ||
| Beta | 0.46 | -0.47 |
| Book Value per Share (MRQ) | ₹32.73 | ₹84.54 |
Financial Statements Comparison: Ujjivan Small Finance Bank Ltd. vs Choice International Limited
Financial Metrics
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Revenue
Operating Margin
Profit Margin
Long Term Debt
Income Flow Analysis
Financial Statements Comparison
Income Statement
| Metric | UJJIVANSFB (2025) | CHOICEIN (2026) |
|---|---|---|
| Revenue/Sales | 43.70B | 11.19B |
| Cost of Goods Sold | N/A | 3.26B |
| COGS % of Revenue | 0.0% | 29.1% |
| Gross Profit | N/A | 7.93B |
| Gross Margin | 0.0% | 70.9% |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | 3.80B |
| Operating Margin | 0.0% | 34.0% |
| EBITDA | N/A | 4.25B |
| EBITDA Margin | 0.0% | 38.0% |
| Pre-Tax Income | 9.42B | 3.16B |
| Pre-Tax Income % of Revenue | 21.5% | 28.3% |
| Income Tax | 2.15B | 785.05M |
| Income Tax % of Revenue | 4.9% | 7.0% |
| Net Income (Profit) | 7.26B | 2.38B |
| Profit Margin | 16.6% | 21.3% |
Balance Sheet & Liquidity Metrics
| Metric | UJJIVANSFB (2025) | CHOICEIN (2026) |
|---|---|---|
| Cash & Equivalents | 31.57B | 1.94B |
| Total Current Assets | N/A | 26.53B |
| Total Current Assets % of Revenue | 0.0% | 237.1% |
| Total Current Liabilities | N/A | 12.85B |
| Total Current Liabilities % of Revenue | 0.0% | 114.9% |
| Long-Term Debt | 18.55B | 4.25B |
| Long-Term Debt % of Revenue | 42.5% | 38.0% |
| Total Shareholders Equity | 60.83B | 18.24B |
| Retained Earnings | 20.33B | N/A |
| Retained Earnings % of Revenue | 46.5% | 0.0% |
| Property, Plant & Equipment | 10.38B | 1.80B |
Cash Flow Statement Comparison
| Metric | UJJIVANSFB (2025) | CHOICEIN (2026) |
|---|---|---|
| Operating Cash Flow | 8.23B | -2.43B |
| Operating Cash Flow % of Revenue | 18.8% | -21.7% |
| Capital Expenditures | -1.65B | -187.30M |
| Free Cash Flow | 18.61B | -3.69B |
| FCF Margin | 42.6% | -33.0% |
| 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 |
| Shares Outstanding | 1.94B | 222.78M |
| Float Shares | 1.90B | 56.61M |
| % Held by Insiders | 1.72% | 67.89% |
| % Held by Institutions | 33.94% | 11.53% |
| % Held by Public | 64.34% | 20.58% |
Dividend Analysis & Yield Comparison: Ujjivan Small Finance Bank Ltd. vs Choice International Limited
| 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 |