Coral India Finance & Housing Ltd. (CORALFINAC) AI Stock Analysis

• Market Cap: ₹1.41B
• Dividend Yield: 1%
• Average Volume (3M): 2.87K
• Price to Earnings (P/E): 10.9
• Beta (1Y): 0.91
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: IN
• Employees: 7
• Sector: Real Estate
• Sector Strength: 53
• Industry: Real Estate - Services
• EPS (TTM): 0.88
• Shares Outstanding: 40,302,223
• 10 Day Avg. Volume: 5,437
• 30 Day Avg. Volume: 2,874
• PEG Ratio: -0.61
• Price to Book (P/B): 0.75
• Price to Sales (P/S): 7.79
• P/FCF Ratio: 7.95
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 69 Neutral
• Price Target: ₹38.00 ▼(-5.24% Downside)

The score is driven primarily by financial stability (no debt and improved latest-year cash generation), tempered by uneven revenue trends and historically volatile cash flows. Technical signals are mixed/neutral with a weaker longer-term trend, while valuation looks reasonable but the dividend yield is modest.

Positive Factors

Balance Sheet Strength

Zero reported debt materially reduces solvency risk and provides funding flexibility for an NBFC. Over the medium term this enhances resilience to funding shocks, preserves capacity to scale lending selectively, and allows strategic capital allocation without refinancing pressure.

Rebound in Cash Flow

A rebound in operating and free cash flow strengthens internal funding for loan growth, reduces reliance on external borrowings, and builds buffers for credit costs. Sustained cash generation supports provisioning, measured expansion and more predictable capital allocation over coming quarters.

Cash-backed Earnings

Free cash flow tracking net income indicates reported profits are largely cash-backed rather than accrual-driven. This improves earnings reliability, reduces liquidity surprise risk, and supports durable internal financing of lending operations and shareholder distributions over the medium term.

Negative Factors

Top-line Contraction

Consecutive annual revenue declines suggest weakening origination or portfolio growth, constraining long-term franchise expansion for an NBFC. A shrinking top line makes it harder to absorb fixed costs, limits provisioning capacity and constrains sustainable earnings growth over the medium term.

Volatile Cash Flows

Historic volatility in operating cash flow raises uncertainty around funding availability and provisioning needs. For a finance company, uneven cash generation complicates loan origination pacing, capital allocation and stress resilience, increasing reliance risk on external funding in tougher periods.

Earnings Quality / ROE Efficiency

Moderate and declining ROE indicates the company is not efficiently converting an expanding equity base into profits. Combined with noted unusually high reported margins, this raises questions about sustainability of returns and could limit long-term shareholder value creation if trends persist.

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 development projects; rents properties; and provides finance services. The company was incorporated in 1995 and is based in Mumbai, India.

How the Company Makes Money

Coral India Finance & Housing Ltd. Financial Statement Overview

Summary

Strong balance sheet with zero debt and expanding assets/equity supports stability, and the latest year shows a rebound in operating cash flow/free cash flow. Offsetting this, revenue has declined in the last two annual periods and cash flows have been volatile, with unusually high reported margins raising earnings-quality consistency questions.

Income Statement

Profitability is strong on paper, with very high reported margins across years and healthy net income in absolute terms. However, growth momentum is weak: revenue declined in the latest annual period (2025 vs. 2024) and was also lower in 2024 vs. 2023, suggesting a choppy top-line trajectory. The unusually high margin levels (often at or above 100% for operating metrics) also warrant caution on earnings quality/consistency even though reported profits remain solid.

Balance Sheet

The balance sheet is conservatively positioned with zero reported debt across all periods, which materially reduces solvency risk and gives financial flexibility. Equity and total assets have generally expanded over time, supporting balance-sheet stability. The main drawback is that returns on equity are only moderate in recent years (lower in 2025 vs. 2024), implying the company is not converting its equity base into profit as efficiently as it previously did.

Cash Flow

Cash generation is a clear positive overall: free cash flow closely tracks net income in most years, and the latest year shows a strong rebound in operating cash flow and free cash flow. That said, cash flows have been volatile historically (notably weaker operating cash flow in 2024 and 2022 versus adjacent years), which adds uncertainty around consistency despite the strong latest print.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	178.33M	211.59M	217.70M	284.92M	167.12M	145.18M
Gross Profit	168.27M	194.06M	269.66M	236.93M	145.84M	129.80M
EBITDA	185.21M	212.60M	236.65M	224.09M	220.88M	158.18M
Net Income	151.54M	174.90M	207.67M	183.20M	173.71M	129.72M
Balance Sheet
Total Assets	0.00	2.34B	1.93B	1.64B	1.53B	1.35B
Cash, Cash Equivalents and Short-Term Investments	1.25B	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	-2.21B	132.39M	95.82M	145.43M	106.02M	80.05M
Stockholders Equity	2.21B	2.21B	1.84B	1.50B	1.42B	1.27B
Cash Flow
Free Cash Flow	0.00	207.36M	49.53M	219.31M	19.14M	40.86M
Operating Cash Flow	0.00	223.49M	50.20M	219.46M	19.14M	41.16M
Investing Cash Flow	0.00	-212.85M	-33.11M	-87.67M	9.30M	149.07M
Financing Cash Flow	0.00	-16.12M	-12.12M	-12.11M	-20.36M	-206.23M

Coral India Finance & Housing Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CORALFINAC	69 Neutral	₹1.41B	10.86	―	1.00%	―	―
Sector *	65 Neutral	$2.17B	12.19	3.79%	4.94%	3.15%	1.96%
ELDEHSG	63 Neutral	₹8.07B	54.66	―	1.01%	-0.19%	-54.29%
LANCORHOL	56 Neutral	₹2.06B	-46.12	―	0.80%	4.65%	-137.16%
HDIL	44 Neutral	₹948.01M	―	―	―	―	―
EXCEL	42 Neutral	₹1.72B	-162.67	―	―	181.64%	-93.08%