Coral India Finance & Housing Ltd. (IN:CORALFINAC)
:CORALFINAC
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Coral India Finance & Housing Ltd.
(CORALFINAC)
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Rating:71Outperform
Price Target:
₹38.00
▼(-5.24% Downside)
Action:UpgradedDate:04/16/26
The score is driven primarily by solid financial stability (debt-free balance sheet and generally strong cash conversion), partially offset by inconsistent revenue and volatile cash-flow history. Technical signals are mixed-to-weak (below 100/200 DMA with negative MACD and overextended Stoch), while valuation is supportive with a low P/E and modest yield.
Positive Factors
Debt-free Balance Sheet
A zero-debt balance sheet materially lowers solvency and refinancing risk, giving management durable financial flexibility to fund lending growth, absorb credit shocks, or deploy capital for strategic initiatives. This structural strength supports resilience through economic cycles over the next 2-6 months.
Negative Factors
Choppy Revenue Trend
A declining and inconsistent top line undermines long-term scalability of the lending franchise and makes earnings less predictable. Over 2-6 months this can constrain reinvestment in origination, limit balance-sheet growth, and magnify sensitivity to isolated credit events or rate shifts.
Read all positive and negative factors
Positive Factors
Negative Factors
Debt-free Balance Sheet
A zero-debt balance sheet materially lowers solvency and refinancing risk, giving management durable financial flexibility to fund lending growth, absorb credit shocks, or deploy capital for strategic initiatives. This structural strength supports resilience through economic cycles over the next 2-6 months.
Read all positive factors
Coral India Finance & Housing Ltd. (CORALFINAC) vs. iShares MSCI India ETF (INDA)
Market Cap
₹1.42B
Dividend Yield1%
Average Volume (3M)2.87K
Price to Earnings (P/E)10.7
Beta (1Y)1.11
Revenue Growth-38.97%
EPS Growth-34.43%
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
CORALFINAC primarily makes money through its lending business. The main revenue stream is interest income earned on loans/financing it extends to customers, recognized over the life of those loans based on applicable interest rates and repayment s...
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 |
|---|---|---|---|---|---|---|---|
71 Outperform | ₹1.42B | 10.71 | ― | 1.00% | -38.97% | -34.43% | |
65 Neutral | $2.17B | 12.19 | 3.79% | 4.94% | 3.15% | 1.96% | |
63 Neutral | ₹8.51B | 17.84 | ― | 1.01% | -3.33% | -24.34% | |
55 Neutral | ₹1.82B | -233.07 | ― | 0.80% | -7.80% | -130.71% | |
45 Neutral | ₹1.35B | -189.52 | ― | ― | 9.54% | -138.07% | |
44 Neutral | ₹1.02B | -7.38 | ― | ― | ― | ― |
* Real Estate Sector Average
IN:CORALFINAC
Coral India Finance & Housing Ltd.
35.23
-4.11
-10.45%
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33.33%
IN:HDIL
Housing Development & Infrastructure Ltd.
2.15
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IN:LANCORHOL
Lancor Holdings Limited
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10.00%
IN:SETUINFRA
Setubandhan Infrastructure Ltd
0.59
-0.05
-7.81%
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.