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

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Coral India Finance & Housing Ltd.

(NSE:CORALFINAC)

Select Model

Rating:74Outperform

Price Target:INR 32.00▲(13.15% Upside)

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 sheetA 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 revenueThe 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.

Coral India Finance & Housing Ltd. (CORALFINAC) vs. iShares MSCI India ETF (INDA)

Market Cap: INR 1.12B
Dividend Yield: 0.72%
Average Volume (3M): 42.93K
Price to Earnings (P/E): 7.8
Beta (1Y): 1.15
Revenue Growth: -18.48%
EPS Growth: -5.05%
Country: India
Employees: 4
Sector: General
Sector Strength: 55
Industry: Real Estate - Services

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: Constructio...

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 own c...

Coral India Finance & Housing Ltd. Financial Statement Overview

Summary

Strong balance sheet with zero debt and generally stable asset/equity base supports low financial risk. Profitability is reported as consistently strong, but revenue has been volatile with declines after 2023 and a sharp revenue drop shown in 2026 despite elevated net income, raising earnings-quality questions. Free cash flow is positive and improved recently, though operating cash flow has been lumpy versus net income, reducing confidence in consistency.

Income Statement

74Positive

Balance Sheet

90Very Positive

Cash Flow

67Positive

Financial statement breakdown
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	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	0	0	0	0	0
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	-3,000	-16.12M	-16.12M	-12.12M	-12.11M	-20.36M

Coral India Finance & Housing Ltd. Technical Analysis

Technical Analysis SentimentNegative

Last Price28.28

Price Trends

50DMA31.42Negative

100DMA32.01Negative

200DMA32.72Negative

Market Momentum

MACD-1.16Positive

RSI39.89Neutral

STOCH13.69Positive

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 28.28 is below the 20-day moving average (MA) of 29.68, below the 50-day MA of 31.42, and below 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

Overall Rating

UnderperformOutperform

Sector (55)

Financial Indicators

IN:CORALFINAC against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
IN:CORALFINAC	74Outperform	INR 1.14B	7.76	―	0.72%	-18.48%	-5.05%
IN:LPDC	63Neutral	INR 752.54M	8.89	―	―	1023.69%	―
IN:SHRADHA	61Neutral	INR 2.02B	6.77	―	2.41%	8.13%	28.42%
IN:INDIQUBE	57Neutral	INR 35.93B	-37.85	―	―	―	―
Sector *	55Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%
IN:SMARTWORKS	53Neutral	INR 54.74B	201.89	―	―	―	―
IN:ELDEHSG	47Neutral	INR 7.67B	21.21	―	1.14%	38.86%	117.77%

* General Sector Average

Performance Comparison

IN:CORALFINAC and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
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 c...

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 compa...

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 Ch...

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.

Date of analysis: Aug 26, 2026

Coral India Finance & Housing Ltd. AI Stock Analysis

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