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Coral India Finance & Housing Ltd.
(CORALFINAC)
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Rating:74Outperform
Price Target:
₹32.00
▼(-20.20% Downside)
Action:Upgraded
Date:08/26/26
The score is driven primarily by solid financial health (notably the zero-debt balance sheet and positive free cash flow) and supportive valuation (low P/E). Offsetting these strengths are concerns about revenue volatility and inconsistencies between revenue, net income, and operating cash flow, plus only moderate technical momentum with the stock still below its 200-day average.
Positive Factors
Debt-free balance sheet
A zero-debt balance sheet materially reduces financial risk and avoids recurring interest obligations. This gives Coral India Finance greater flexibility to absorb business fluctuations, preserve capital, and support lending or other growth initiatives without relying heavily on leverage.
Negative Factors
Declining and volatile revenue
The declining revenue trend points to uneven business momentum and makes future earnings less predictable. For a lending-focused NBFC, continued top-line weakness could restrict the pace of portfolio expansion and reduce operating leverage, even if reported profits remain strong.
Read all positive and negative factors
Positive Factors
Negative Factors
Debt-free balance sheet
A zero-debt balance sheet materially reduces financial risk and avoids recurring interest obligations. This gives Coral India Finance greater flexibility to absorb business fluctuations, preserve capital, and support lending or other growth initiatives without relying heavily on leverage.
Read all positive factors
Coral India Finance & Housing Ltd. (CORALFINAC) vs. iShares MSCI India ETF (INDA)
Market Cap
₹1.14B
Dividend Yield0.72%
Average Volume (3M)6.91K
Price to Earnings (P/E)7.8
Beta (1Y)1.15
Revenue Growth-18.48%
EPS Growth-5.05%
CountryIN
Employees4
SectorGeneral
Sector StrengthN/A
IndustryReal Estate - Services
Share Statistics
EPS (TTM)3.58
Shares Outstanding40,302,223
10 Day Avg. Volume2,854
30 Day Avg. Volume6,906
Financial Highlights & Ratios
PEG Ratio-0.45
Price to Book (P/B)0.50
Price to Sales (P/S)8.01
P/FCF Ratio5.59
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 is an India-based firm specializing in a range of real estate activities, including the building, development, and upkeep of properties. Its operations are structured around two principal divisions: Construc...
How the Company Makes Money
The company primarily makes money through its lending business as an NBFC: (1) Interest income: The main revenue stream is interest earned on loans and advances provided to customers. The spread between the interest it charges borrowers and its ow...
Coral India Finance & Housing Ltd. Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
90
Very Positive
Cash Flow
67
Positive
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 168.22M | 129.83M | 211.59M | 217.70M | 284.92M | 167.12M |
| Gross Profit | 151.75M | 199.51M | 194.06M | 269.66M | 236.93M | 145.84M |
| EBITDA | 150.42M | 173.08M | 212.60M | 236.65M | 224.09M | 220.88M |
| Net Income | 143.88M | 147.86M | 174.90M | 207.67M | 183.20M | 173.71M |
Balance Sheet | ||||||
| Total Assets | 0.00 | 2.23B | 2.34B | 1.93B | 1.64B | 1.53B |
| Cash, Cash Equivalents and Short-Term Investments | 1.36B | 1.36B | 1.25B | 958.55M | 696.15M | 596.44M |
| Total Debt | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Liabilities | -2.07B | 159.58M | 132.39M | 95.82M | 145.43M | 106.02M |
| Stockholders Equity | 2.07B | 2.07B | 2.21B | 1.84B | 1.50B | 1.42B |
Cash Flow | ||||||
| Free Cash Flow | 91.32M | 186.09M | 207.36M | 49.53M | 219.31M | 19.14M |
| Operating Cash Flow | 98.62M | 199.07M | 223.49M | 50.20M | 219.46M | 19.14M |
| Investing Cash Flow | -59.58M | -144.40M | -212.85M | -33.11M | -87.67M | 9.30M |
| Financing Cash Flow | -3.00K | -16.12M | -16.12M | -12.12M | -12.11M | -20.36M |
Coral India Finance & Housing Ltd. Technical Analysis
Negative
40.10
Price Trends
31.42
Negative
32.01
Negative
32.72
Negative
Market Momentum
-1.16
Positive
39.89
Neutral
13.69
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:CORALFINAC, the sentiment is Negative. The current price of 40.1 is above the 20-day moving average (MA) of 29.68, above the 50-day MA of 31.42, and above the 200-day MA of 32.72, indicating a bearish trend. The MACD of -1.16 indicates Positive momentum. The RSI at 39.89 is Neutral, neither overbought nor oversold. The STOCH value of 13.69 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:CORALFINAC.
Coral India Finance & Housing Ltd. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | ₹1.14B | 7.76 | ― | 0.72% | -18.48% | -5.05% | |
66 Neutral | ₹752.54M | 8.89 | ― | 1.30% | 1023.69% | ― | |
59 Neutral | ₹2.02B | 6.77 | ― | 2.41% | 8.13% | 28.42% | |
58 Neutral | ₹7.67B | 21.22 | ― | 1.14% | 38.86% | 117.77% | |
56 Neutral | ₹35.93B | -37.85 | ― | ― | ― | ― | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
50 Neutral | ₹54.74B | 201.89 | ― | ― | ― | ― |
* General Sector Average
IN:CORALFINAC
Coral India Finance & Housing Ltd.
28.28
-13.57
-32.42%
IN:ELDEHSG
Eldeco Housing & Industries Ltd.
780.00
-104.10
-11.77%
IN:LPDC
Landmark Property Development Co. Ltd.
5.61
-2.61
-31.75%
IN:SHRADHA
Shradha Infraprojects Ltd.
24.91
-18.50
-42.61%
IN:SMARTWORKS
Smartworks Coworking Spaces Limited
478.55
-115.55
-19.45%
IN:INDIQUBE
Indiqube Spaces Limited
169.50
-44.40
-20.76%
Coral India Finance & Housing Ltd. Corporate Events
Coral India Finance & Housing files SEBI demat compliance certificate for September quarter
Oct 15, 2026
Coral India Finance Housing Ltd. has submitted to BSE and NSE a confirmation certificate under Regulation 74(5) of the SEBI (Depositories and Participants) Regulations, 2018 for the quarter ended September 30, 2026. The filing underscores the com...
Coral India Finance & Housing to Close Trading Window Ahead of Q2 Results
Sep 22, 2026
Coral India Finance Housing Ltd., active in India’s financial services and housing-related business, is listed on BSE and NSE under the symbol CORALFINAC and operates within SEBI’s regulatory framework for public companies.The company...
Coral India Finance & Housing Details Outcomes of 32nd AGM and Shareholder Voting
Sep 11, 2026
Coral India Finance Housing Ltd held its 32nd Annual General Meeting on September 11, 2026 via video conferencing and other audiovisual means, in line with circulars from the Ministry of Corporate Affairs and SEBI. The meeting was chaired by Chai...
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.