Coral India Finance & Housing Ltd. (IN:CORALFINAC)
:CORALFINAC
Top Page
Coral India Finance & Housing Ltd.
(CORALFINAC)
Select Model
Select Model
Rating:63Neutral
Price Target:
₹33.00
▼(-17.71% Downside)
Action:ReiteratedDate:03/31/26
The score is held back primarily by weak technicals (price below key moving averages with bearish momentum). This is partly offset by solid underlying financial stability driven by a debt-free balance sheet and decent cash conversion, plus a reasonable valuation (low P/E with a modest dividend).
Positive Factors
Debt-free balance sheet
A zero-reported-debt balance sheet materially lowers solvency and refinancing risk, giving management flexibility to fund lending organically or selectively raise capital. For an NBFC this structural conservatism supports resilience through funding cycles and regulatory changes.
Negative Factors
Declining revenue trend
Revenue has fallen across recent annual periods, indicating a weakening top-line trajectory. Persistent revenue decline constrains the company's ability to scale interest income, absorb fixed costs, and invest in originations or distribution, hampering sustainable earnings growth.
Read all positive and negative factors
Positive Factors
Negative Factors
Debt-free balance sheet
A zero-reported-debt balance sheet materially lowers solvency and refinancing risk, giving management flexibility to fund lending organically or selectively raise capital. For an NBFC this structural conservatism supports resilience through funding cycles and regulatory changes.
Read all positive factors
Coral India Finance & Housing Ltd. (CORALFINAC) vs. iShares MSCI India ETF (INDA)
Market Cap
₹1.27B
Dividend Yield1%
Average Volume (3M)2.87K
Price to Earnings (P/E)10.7
Beta (1Y)0.87
Revenue GrowthN/A
EPS GrowthN/A
CountryIN
Employees7
SectorReal Estate
Sector Strength53
IndustryReal Estate - Services
Share Statistics
EPS (TTM)0.93
Shares Outstanding40,302,223
10 Day Avg. Volume5,437
30 Day Avg. Volume2,874
Financial Highlights & Ratios
PEG Ratio-0.61
Price to Book (P/B)0.75
Price to Sales (P/S)7.79
P/FCF Ratio7.95
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Coral India Finance & Housing Ltd. Business Overview & Revenue Model
Company Description
Coral India Finance and Housing Limited engages in the construction, development, maintenance of properties in India. The company operates through two segments, Construction and Investments. It develops commercial complexes and residential develop...
How the Company Makes Money
The company primarily makes money through interest income earned on loans and financing products it extends to borrowers (e.g., housing-related loans and other finance offerings consistent with an NBFC model). Its core revenue model is based on th...
Coral India Finance & Housing Ltd. Financial Statement Overview
Summary
Income Statement
68
Positive
Balance Sheet
88
Very Positive
Cash Flow
74
Positive
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 151.55M | 211.59M | 217.70M | 284.92M | 167.12M | 145.18M |
| Gross Profit | 143.95M | 194.06M | 269.66M | 236.93M | 145.84M | 129.80M |
| EBITDA | 155.87M | 212.60M | 236.65M | 224.09M | 220.88M | 158.18M |
| Net Income | 130.23M | 174.90M | 207.67M | 183.20M | 173.71M | 129.72M |
Balance Sheet | ||||||
| Total Assets | 2.29B | 2.34B | 1.93B | 1.64B | 1.53B | 1.35B |
| Cash, Cash Equivalents and Short-Term Investments | 1.16B | 1.25B | 958.55M | 696.15M | 596.44M | 567.55M |
| Total Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Liabilities | 150.40M | 132.39M | 95.82M | 145.43M | 106.02M | 80.05M |
| Stockholders Equity | 2.14B | 2.21B | 1.84B | 1.50B | 1.42B | 1.27B |
Cash Flow | ||||||
| Free Cash Flow | 91.32M | 207.36M | 49.53M | 219.31M | 19.14M | 40.86M |
| Operating Cash Flow | 98.62M | 223.49M | 50.20M | 219.46M | 19.14M | 41.16M |
| Investing Cash Flow | -59.58M | -212.85M | -33.11M | -87.67M | 9.30M | 149.07M |
| Financing Cash Flow | -3.00K | -16.12M | -12.12M | -12.11M | -20.36M | -206.23M |
Coral India Finance & Housing Ltd. Peers Comparison
UnderperformOutperform
Sector (65)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
65 Neutral | $2.17B | 12.19 | 3.79% | 4.94% | 3.15% | 1.96% | |
63 Neutral | ₹7.47B | 17.84 | ― | 1.01% | -0.19% | -54.29% | |
63 Neutral | ₹1.27B | 10.71 | ― | 1.00% | ― | ― | |
49 Neutral | ₹1.66B | -233.07 | ― | 0.80% | 4.65% | -137.16% | |
45 Neutral | ₹1.40B | -189.52 | ― | ― | 181.64% | -93.08% | |
44 Neutral | ₹924.31M | -7.38 | ― | ― | ― | ― |
* Real Estate Sector Average
IN:CORALFINAC
Coral India Finance & Housing Ltd.
31.45
-7.65
-19.57%
IN:ELDEHSG
Eldeco Housing & Industries Ltd.
759.80
50.78
7.16%
IN:EXCEL
Excel Realty N Infra Ltd
0.99
0.23
30.26%
IN:HDIL
Housing Development & Infrastructure Ltd.
1.95
-1.32
-40.37%
IN:LANCORHOL
Lancor Holdings Limited
22.54
1.10
5.13%
IN:SETUINFRA
Setubandhan Infrastructure Ltd
0.43
-0.12
-21.82%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.