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Coral India Finance & Housing Ltd.
(CORALFINAC)
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Rating:74Outperform
Price Target:
₹38.00
▼(-5.24% 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 debt-free balance sheet materially limits interest and refinancing risk, giving the NBFC greater resilience through credit cycles and more flexibility to fund lending or absorb unexpected losses.
Negative Factors
Revenue Volatility
A declining and uneven revenue trajectory signals inconsistent loan origination, portfolio income or other operating activity. Persistent top-line weakness could constrain future earnings growth and reduce the predictability of the business.
Read all positive and negative factors
Positive Factors
Negative Factors
Debt-Free Balance Sheet
A debt-free balance sheet materially limits interest and refinancing risk, giving the NBFC greater resilience through credit cycles and more flexibility to fund lending or absorb unexpected losses.
Read all positive factors
Coral India Finance & Housing Ltd. (CORALFINAC) vs. iShares MSCI India ETF (INDA)
Market Cap
₹1.31B
Dividend Yield0.64%
Average Volume (3M)84.05K
Price to Earnings (P/E)9.0
Beta (1Y)1.03
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. Volume4,746
30 Day Avg. Volume84,053
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. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | ₹1.31B | 8.98 | ― | 0.64% | -18.48% | -5.05% | |
63 Neutral | ₹827.66M | 9.68 | ― | 1.30% | 1023.69% | ― | |
61 Neutral | ₹2.53B | 8.16 | ― | 1.95% | 8.13% | 28.42% | |
60 Neutral | ₹61.49B | 223.00 | ― | ― | ― | ― | |
58 Neutral | ₹7.77B | 21.25 | ― | 1.15% | 38.86% | 117.77% | |
56 Neutral | ₹43.22B | -45.18 | ― | ― | ― | ― | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
IN:CORALFINAC
Coral India Finance & Housing Ltd.
31.81
-13.27
-29.43%
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IN:SMARTWORKS
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2.92%
IN:INDIQUBE
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-10.53%
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.