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

• Market Cap: ₹1.44B
• Dividend Yield: 1%
• Average Volume (3M): 2.87K
• Price to Earnings (P/E): 11.1
• Beta (1Y): 0.94
• 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

Predictable loan-driven revenue

A core NBFC business model that earns interest spreads on loan portfolios creates durable, recurring revenue tied to credit demand. Over months, reliable interest income supports cash generation and business continuity even if loan growth is modest, enhancing predictability.

Zero reported debt and expanding equity

No debt materially reduces solvency and refinancing risk and grants financial flexibility to fund growth or weather shocks. Expanding assets and equity indicate capacity to scale lending, support risk buffers, and preserve long-term stability for 2-6 month horizons.

Rebound in operating and free cash flow

A recent rebound in operating and free cash flow that aligns with net income improves internally generated funding and reduces funding reliance. Persistent cash conversion supports loan growth, provisioning capacity, and dividend or reinvestment options over the medium term.

Negative Factors

Declining revenue trend

Sequential annual revenue declines signal weakening top-line momentum that can constrain long-term profitability and scale economics. If topical declines persist, they limit the firm's ability to expand loan book, cover fixed costs, and sustain growth-oriented investment over several quarters.

Volatile historical cash flows

Historical swings in operating cash flow increase forecasting uncertainty and raise the risk that future cash generation may lapse. Volatility complicates capital planning, provisioning and dividend policy, raising medium-term funding and operational stability concerns.

Earnings-quality concerns from unusually high margins

Margins that are unusually elevated versus peers or historical norms can indicate one-off items, accounting timing, or narrow revenue bases. Persisting measurement questions undermine confidence in sustainable profitability and obscures true operating leverage over the medium term.

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	₹1.44B	11.05	―	1.00%	―	―
Sector *	65 Neutral	$2.17B	12.19	3.79%	4.94%	3.15%	1.96%
ELDEHSG	63 Neutral	₹9.69B	65.59	―	1.01%	-0.19%	-54.29%
LANCORHOL	56 Neutral	₹2.02B	-46.73	―	0.80%	4.65%	-137.16%
HDIL	44 Neutral	₹1.13B	―	―	―	―	―
EXCEL	42 Neutral	₹1.75B	-164.00	―	―	181.64%	-93.08%