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

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Coral India Finance & Housing Ltd.

(NSE:CORALFINAC)

Select Model

Rating:78Outperform

Price Target:INR 33.00▲(14.94% Upside)

Action:reiterated

Date:08/26/26

The overall score is driven primarily by the company’s conservative, debt-free balance sheet and solid profitability, which support a low-risk financial profile despite uneven revenue and cash flow trends. An attractive valuation, with a low earnings multiple and a modest dividend yield, further supports the rating. Technicals are neutral to mildly positive, indicating steady but unspectacular price momentum and contributing less to the final score.

Positive Factors

Zero Debt Balance SheetA zero-debt balance sheet materially reduces financial risk and interest-burden exposure, giving Coral India greater flexibility to withstand weaker lending conditions. Stable, generally rising assets and equity also provide a durable base for continuing its NBFC operations and funding future growth.

Negative Factors

Revenue VolatilityThe uneven revenue path indicates that Coral India’s operating scale has not expanded consistently, which can make future earnings less predictable. Repeated declines after 2023 may constrain planning, reduce the visibility of sustainable growth, and make profitability more dependent on changing income mix.

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

Market Cap: INR 1.21B
Dividend Yield: 0.71%
Average Volume (3M): 29.76K
Price to Earnings (P/E): 8.3
Beta (1Y): 0.95
Revenue Growth: -3.47%
EPS Growth: 9.88%
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

Financial strength is a clear positive, with a debt-free balance sheet, solid profitability, and recurring free cash flow, though volatile revenue and lumpy cash flows temper the score and raise some questions on growth durability.

Income Statement

72Positive

Balance Sheet

88Very Positive

Cash Flow

76Positive

Financial statement breakdown
Breakdown	TTM	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022
Income Statement
Total Revenue	169.14M	129.83M	211.59M	217.70M	284.92M	167.12M
Gross Profit	141.98M	199.51M	194.06M	269.66M	236.93M	145.84M
EBITDA	138.75M	173.08M	212.60M	236.65M	224.09M	220.88M
Net Income	143.09M	147.86M	174.90M	207.67M	183.20M	173.71M
Balance Sheet
Total Assets	2.49B	2.23B	2.34B	1.93B	1.64B	1.53B
Cash, Cash Equivalents and Short-Term Investments	1.51B	1.36B	1.25B	958.55M	696.15M	596.44M
Total Debt	0	0	0	0	0	0
Total Liabilities	176.94M	159.58M	132.39M	95.82M	145.43M	106.02M
Stockholders Equity	2.31B	2.07B	2.21B	1.84B	1.50B	1.42B
Cash Flow
Free Cash Flow	0	186.09M	207.36M	49.53M	219.31M	19.14M
Operating Cash Flow	0	199.07M	223.49M	50.20M	219.46M	19.14M
Investing Cash Flow	0	-144.40M	-212.85M	-33.11M	-87.67M	9.30M
Financing Cash Flow	0	-16.12M	-16.12M	-12.12M	-12.11M	-20.36M

Coral India Finance & Housing Ltd. Technical Analysis

Technical Analysis SentimentNeutral

Last Price28.71

Price Trends

50DMA30.53Negative

100DMA31.72Negative

200DMA32.35Negative

Market Momentum

MACD-0.62Negative

RSI46.50Neutral

STOCH30.96Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:CORALFINAC, the sentiment is Neutral. The current price of 28.71 is above the 20-day moving average (MA) of 28.61, below the 50-day MA of 30.53, and below the 200-day MA of 32.35, indicating a neutral trend. The MACD of -0.62 indicates Negative momentum. The RSI at 46.50 is Neutral, neither overbought nor oversold. The STOCH value of 30.96 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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	78Outperform	INR 1.17B	8.28	―	0.71%	-3.47%	9.88%
IN:LPDC	66Neutral	INR 818.27M	9.80	―	―	1023.69%	―
IN:SHRADHA	63Neutral	INR 2.31B	7.90	―	2.01%	8.13%	28.42%
Sector *	55Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%
IN:SMARTWORKS	53Neutral	INR 58.49B	105.25	―	―	―	―
IN:ELDEHSG	47Neutral	INR 8.12B	18.75	―	1.16%	38.86%	117.77%
IN:INDIQUBE	44Neutral	INR 39.97B	-57.24	―	―	―	―

* 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.	28.71	-11.41	-28.43%
IN:ELDEHSG	Eldeco Housing & Industries Ltd.	768.40	-80.81	-9.52%
IN:LPDC	Landmark Property Development Co. Ltd.	6.28	-1.31	-17.26%
IN:SHRADHA	Shradha Infraprojects Ltd.	29.88	-11.76	-28.24%
IN:SMARTWORKS	Smartworks Coworking Spaces Limited	521.95	-55.75	-9.65%
IN:INDIQUBE	Indiqube Spaces Limited	187.80	-32.75	-14.85%

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 compa...

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 has notified...

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 Chairm...

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