Share Price and Basic Stock Data
Last Updated: November 14, 2025, 8:44 am
| PEG Ratio | -4.08 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
Coral India Finance & Housing Ltd operates in the housing finance sector and has shown a fluctuating revenue trend over recent quarters. The company reported sales of ₹4.32 Cr in June 2022, which rose to a peak of ₹10.83 Cr in December 2022. However, this was followed by a decline to ₹3.50 Cr in December 2023. The most recent quarter, June 2024, saw sales recover to ₹7.91 Cr, indicating a possible rebound. For the fiscal year ending March 2025, total sales stood at ₹26 Cr, a decline from ₹31 Cr in the previous year. This indicates a need for the company to stabilize its revenue streams to ensure consistent growth. Notably, the operating profit margin (OPM) remained robust, peaking at 83.19% in June 2024, highlighting the company’s operational efficiency despite revenue fluctuations. The sales-to-expenses ratio also suggests effective cost management, with expenses recorded at ₹2.70 Cr in June 2023 against sales of ₹6.12 Cr, further emphasizing Coral India’s ability to maintain profitability.
Profitability and Efficiency Metrics
Coral India Finance & Housing Ltd has demonstrated commendable profitability metrics, with a return on equity (ROE) of 8.64% and return on capital employed (ROCE) at 10.5%. The net profit for the company was reported at ₹15 Cr, reflecting a solid operational performance. The interest coverage ratio stood at an extraordinary 106,301.50x, indicating no interest-bearing debt, which is a significant strength in terms of financial stability. The company’s net profit margin was reported at 82.65% for March 2025, showcasing its ability to convert a high percentage of revenue into profit. However, the fluctuating operating profit margins, which ranged from a low of 67.98% in March 2023 to a high of 83.19% in June 2024, suggest potential volatility in operational efficiency. The cash conversion cycle (CCC) was reported at just 9 days, indicating effective management of working capital. This efficiency allows the company to quickly convert investments in inventory and receivables into cash, enhancing liquidity.
Balance Sheet Strength and Financial Ratios
The balance sheet of Coral India Finance & Housing Ltd indicates robust financial health, with no borrowings reported across the fiscal periods, allowing for a debt-free operational structure. Reserves have increased from ₹142 Cr in March 2023 to ₹213 Cr in March 2025, reflecting a strong capacity for retention and reinvestment. The equity capital has remained stable at ₹8 Cr, while total assets rose from ₹164 Cr in March 2023 to ₹234 Cr in March 2025, indicating growth in the asset base. The price-to-book value (P/BV) ratio stood at 0.69x, which is relatively low compared to industry norms and may suggest that the stock is undervalued. Furthermore, the company’s current ratio of 34.26x and quick ratio of 32.72x signify exceptional short-term liquidity, providing a cushion against unforeseen financial challenges. However, the asset turnover ratio of 0.09% suggests inefficiency in asset utilization, indicating room for improvement in operational strategy.
Shareholding Pattern and Investor Confidence
Coral India Finance & Housing Ltd has a stable shareholding pattern, with promoters holding 74.96% as of June 2025, reflecting strong control and commitment from the founding members. The presence of foreign institutional investors (FIIs) is modest at 0.69%, while domestic institutional investors (DIIs) hold a negligible 0.02%. The public shareholding stood at 24.32%, with the number of shareholders increasing to 16,232, suggesting growing investor interest. This stable promoter holding coupled with a low level of institutional investment could indicate potential for future growth as more institutional investors may enter the stock. The gradual increase in public shareholding points toward rising confidence among retail investors. However, the low FII participation may signal caution among foreign investors regarding the company’s growth prospects. This duality in the shareholding landscape presents both an opportunity for increased retail interest and a challenge in attracting institutional confidence.
Outlook, Risks, and Final Insight
Looking ahead, Coral India Finance & Housing Ltd faces both opportunities and risks. The company’s strong liquidity position, evidenced by its high current and quick ratios, positions it well to capitalize on potential growth avenues in the housing finance sector. However, the volatility in revenue and operating profit margins poses a significant risk, as does the low asset turnover ratio, which indicates underutilization of assets. The absence of debt is a strength, but reliance on equity financing may limit growth if not managed effectively. Additionally, the fluctuating sales figures highlight the need for strategic initiatives to stabilize revenue streams. If the company can enhance its asset utilization and maintain profitability, it could attract more institutional investors and potentially improve its market valuation. Conversely, failure to address operational inefficiencies could hinder growth prospects, making it imperative for the management to focus on sustainable strategies for long-term success.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of Coral India Finance & Housing Ltd
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Ind Bank Housing Ltd | 40.0 Cr. | 40.0 | 56.5/33.0 | 121 | 0.00 % | 3.74 % | % | 10.0 | |
| Home First Finance Company India Ltd | 12,436 Cr. | 1,200 | 1,519/839 | 27.5 | 388 | 0.33 % | 11.4 % | 16.5 % | 2.00 |
| Aptus Value Housing Finance India Ltd | 14,454 Cr. | 289 | 365/266 | 17.2 | 86.4 | 1.54 % | 15.0 % | 18.6 % | 2.00 |
| Repco Home Finance Ltd | 2,638 Cr. | 422 | 524/308 | 6.06 | 557 | 0.94 % | 11.1 % | 14.2 % | 10.0 |
| PNB Housing Finance Ltd | 24,011 Cr. | 922 | 1,142/746 | 10.9 | 690 | 0.55 % | 9.46 % | 12.3 % | 10.0 |
| Industry Average | 10,581.70 Cr | 425.88 | 11.53 | 331.57 | 0.99% | 48.21% | 13.33% | 5.64 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 4.32 | 3.78 | 10.83 | 10.62 | 8.82 | 8.25 | 3.50 | 7.12 | 7.91 | 6.52 | 3.68 | 3.05 | 4.58 |
| Expenses | 1.21 | 0.75 | 2.88 | 3.40 | 2.70 | 1.71 | 0.80 | 1.71 | 1.33 | 1.09 | 1.55 | 0.75 | 0.77 |
| Operating Profit | 3.11 | 3.03 | 7.95 | 7.22 | 6.12 | 6.54 | 2.70 | 5.41 | 6.58 | 5.43 | 2.13 | 2.30 | 3.81 |
| OPM % | 71.99% | 80.16% | 73.41% | 67.98% | 69.39% | 79.27% | 77.14% | 75.98% | 83.19% | 83.28% | 57.88% | 75.41% | 83.19% |
| Other Income | -0.43 | 0.75 | 0.40 | 0.37 | 1.32 | -0.76 | 0.95 | 1.39 | 1.99 | 1.55 | 0.72 | 0.56 | 2.02 |
| Interest | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 | -0.00 |
| Depreciation | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.01 | 0.02 |
| Profit before tax | 2.66 | 3.76 | 8.33 | 7.57 | 7.42 | 5.76 | 3.63 | 6.78 | 8.55 | 6.96 | 2.83 | 2.85 | 5.81 |
| Tax % | 16.92% | 18.62% | 17.41% | 18.49% | 16.44% | 20.83% | 13.77% | -1.47% | 16.37% | 18.68% | 17.67% | 17.54% | 17.21% |
| Net Profit | 2.21 | 3.06 | 6.87 | 6.18 | 6.20 | 4.55 | 3.13 | 6.88 | 7.15 | 5.66 | 2.33 | 2.35 | 4.81 |
| EPS in Rs | 0.55 | 0.76 | 1.70 | 1.53 | 1.54 | 1.13 | 0.78 | 1.71 | 1.77 | 1.40 | 0.58 | 0.58 | 1.19 |
Last Updated: August 20, 2025, 12:00 pm
Below is a detailed analysis of the quarterly data for Coral India Finance & Housing Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Sales, as of Jun 2025, the value is 4.58 Cr.. The value appears strong and on an upward trend. It has increased from 3.05 Cr. (Mar 2025) to 4.58 Cr., marking an increase of 1.53 Cr..
- For Expenses, as of Jun 2025, the value is 0.77 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 0.75 Cr. (Mar 2025) to 0.77 Cr., marking an increase of 0.02 Cr..
- For Operating Profit, as of Jun 2025, the value is 3.81 Cr.. The value appears strong and on an upward trend. It has increased from 2.30 Cr. (Mar 2025) to 3.81 Cr., marking an increase of 1.51 Cr..
- For OPM %, as of Jun 2025, the value is 83.19%. The value appears strong and on an upward trend. It has increased from 75.41% (Mar 2025) to 83.19%, marking an increase of 7.78%.
- For Other Income, as of Jun 2025, the value is 2.02 Cr.. The value appears strong and on an upward trend. It has increased from 0.56 Cr. (Mar 2025) to 2.02 Cr., marking an increase of 1.46 Cr..
- For Interest, as of Jun 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Depreciation, as of Jun 2025, the value is 0.02 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 0.01 Cr. (Mar 2025) to 0.02 Cr., marking an increase of 0.01 Cr..
- For Profit before tax, as of Jun 2025, the value is 5.81 Cr.. The value appears strong and on an upward trend. It has increased from 2.85 Cr. (Mar 2025) to 5.81 Cr., marking an increase of 2.96 Cr..
- For Tax %, as of Jun 2025, the value is 17.21%. The value appears to be improving (decreasing) as expected. It has decreased from 17.54% (Mar 2025) to 17.21%, marking a decrease of 0.33%.
- For Net Profit, as of Jun 2025, the value is 4.81 Cr.. The value appears strong and on an upward trend. It has increased from 2.35 Cr. (Mar 2025) to 4.81 Cr., marking an increase of 2.46 Cr..
- For EPS in Rs, as of Jun 2025, the value is 1.19. The value appears strong and on an upward trend. It has increased from 0.58 (Mar 2025) to 1.19, marking an increase of 0.61.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: October 15, 2025, 5:29 am
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 14 | 19 | 12 | 14 | 23 | 15 | 13 | 19 | 27 | 31 | 31 | 26 | 18 |
| Expenses | 5 | 6 | 4 | 3 | 6 | 4 | 3 | 4 | 5 | 8 | 7 | 5 | 4 |
| Operating Profit | 9 | 13 | 8 | 10 | 17 | 10 | 10 | 15 | 22 | 22 | 24 | 21 | 14 |
| OPM % | 63% | 68% | 69% | 76% | 75% | 71% | 74% | 78% | 81% | 73% | 77% | 82% | 77% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 5 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 8 | 13 | 8 | 10 | 17 | 10 | 10 | 16 | 22 | 22 | 24 | 21 | 18 |
| Tax % | 20% | 21% | 19% | 19% | 21% | 19% | 17% | 17% | 21% | 18% | 12% | 17% | |
| Net Profit | 7 | 10 | 6 | 8 | 13 | 8 | 8 | 13 | 17 | 18 | 21 | 17 | 15 |
| EPS in Rs | 1.34 | 2.07 | 1.27 | 1.63 | 2.70 | 1.65 | 1.61 | 3.22 | 4.31 | 4.55 | 5.15 | 4.34 | 3.75 |
| Dividend Payout % | 16% | 10% | 16% | 2% | 7% | 12% | 12% | 16% | 7% | 7% | 8% | 9% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 42.86% | -40.00% | 33.33% | 62.50% | -38.46% | 0.00% | 62.50% | 30.77% | 5.88% | 16.67% | -19.05% |
| Change in YoY Net Profit Growth (%) | 0.00% | -82.86% | 73.33% | 29.17% | -100.96% | 38.46% | 62.50% | -31.73% | -24.89% | 10.78% | -35.71% |
Coral India Finance & Housing Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 1% |
| 5 Years: | 10% |
| 3 Years: | -8% |
| TTM: | -33% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 5% |
| 5 Years: | 17% |
| 3 Years: | 0% |
| TTM: | -30% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 13% |
| 5 Years: | 17% |
| 3 Years: | 4% |
| 1 Year: | -38% |
| Return on Equity | |
|---|---|
| 10 Years: | 10% |
| 5 Years: | 11% |
| 3 Years: | 11% |
| Last Year: | 9% |
Last Updated: September 5, 2025, 2:15 am
Balance Sheet
Last Updated: November 9, 2025, 1:51 pm
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 8 | 8 | 8 | 8 | 8 |
| Reserves | 53 | 62 | 67 | 135 | 134 | 118 | 107 | 119 | 134 | 142 | 175 | 213 |
| Borrowings | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -0 |
| Other Liabilities | 7 | 11 | 12 | 6 | 5 | 6 | 8 | 8 | 11 | 15 | 10 | 13 |
| Total Liabilities | 70 | 83 | 90 | 151 | 149 | 133 | 125 | 135 | 153 | 164 | 193 | 234 |
| Fixed Assets | 3 | 3 | 2 | 13 | 12 | 12 | 12 | 18 | 18 | 18 | 18 | 18 |
| CWIP | 2 | 4 | 6 | 7 | 4 | 5 | 5 | 5 | 3 | 3 | 3 | 4 |
| Investments | 21 | 25 | 31 | 93 | 89 | 59 | 48 | 79 | 78 | 86 | 120 | 161 |
| Other Assets | 44 | 51 | 50 | 39 | 44 | 57 | 60 | 33 | 54 | 58 | 52 | 51 |
| Total Assets | 70 | 83 | 90 | 151 | 149 | 133 | 125 | 135 | 153 | 164 | 193 | 234 |
Below is a detailed analysis of the balance sheet data for Coral India Finance & Housing Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:
- For Equity Capital, as of Mar 2025, the value is 8.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 8.00 Cr..
- For Reserves, as of Mar 2025, the value is 213.00 Cr.. The value appears strong and on an upward trend. It has increased from 175.00 Cr. (Mar 2024) to 213.00 Cr., marking an increase of 38.00 Cr..
- For Borrowings, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. Additionally, since Reserves exceed Borrowings, this is considered a positive sign. There is no change compared to the previous period (Mar 2024) which recorded 0.00 Cr..
- For Other Liabilities, as of Mar 2025, the value is 13.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 10.00 Cr. (Mar 2024) to 13.00 Cr., marking an increase of 3.00 Cr..
- For Total Liabilities, as of Mar 2025, the value is 234.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 193.00 Cr. (Mar 2024) to 234.00 Cr., marking an increase of 41.00 Cr..
- For Fixed Assets, as of Mar 2025, the value is 18.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 18.00 Cr..
- For CWIP, as of Mar 2025, the value is 4.00 Cr.. The value appears strong and on an upward trend. It has increased from 3.00 Cr. (Mar 2024) to 4.00 Cr., marking an increase of 1.00 Cr..
- For Investments, as of Mar 2025, the value is 161.00 Cr.. The value appears strong and on an upward trend. It has increased from 120.00 Cr. (Mar 2024) to 161.00 Cr., marking an increase of 41.00 Cr..
- For Other Assets, as of Mar 2025, the value is 51.00 Cr.. The value appears to be declining and may need further review. It has decreased from 52.00 Cr. (Mar 2024) to 51.00 Cr., marking a decrease of 1.00 Cr..
- For Total Assets, as of Mar 2025, the value is 234.00 Cr.. The value appears strong and on an upward trend. It has increased from 193.00 Cr. (Mar 2024) to 234.00 Cr., marking an increase of 41.00 Cr..
Notably, the Reserves (213.00 Cr.) exceed the Borrowings (0.00 Cr.), indicating a solid financial buffer.
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow - No data available for this post.
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | 9.00 | 13.00 | 8.00 | 10.00 | 17.00 | 10.00 | 10.00 | 15.00 | 22.00 | 22.00 | 24.00 | 21.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debtor Days | 13 | 2 | 17 | 20 | 12 | 26 | 54 | 35 | 14 | 5 | 6 | 9 |
| Inventory Days | 2,500 | 1,161 | 6,045 | 2,640 | 6,289 | 6,190 | 2,489 | 2,510 | 749 | 827 | ||
| Days Payable | 49 | 38 | 205 | 140 | 104 | 118 | 178 | 5 | 8 | 4 | ||
| Cash Conversion Cycle | 2,464 | 1,125 | 5,857 | 20 | 2,512 | 6,211 | 6,126 | 2,346 | 2,519 | 746 | 829 | 9 |
| Working Capital Days | 344 | 110 | 133 | 259 | 200 | 330 | 306 | 216 | 225 | 129 | 116 | 99 |
| ROCE % | 14% | 19% | 10% | 9% | 12% | 8% | 8% | 13% | 16% | 15% | 14% | 10% |
This stock is not held by any mutual fund.
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| FaceValue | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 |
| Basic EPS (Rs.) | 4.34 | 5.15 | 4.55 | 4.31 | 3.22 |
| Diluted EPS (Rs.) | 4.34 | 5.15 | 4.55 | 4.31 | 3.22 |
| Cash EPS (Rs.) | 4.36 | 5.17 | 4.57 | 4.33 | 3.25 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 54.79 | 45.54 | 37.11 | 35.24 | 31.54 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 54.79 | 45.54 | 37.11 | 35.24 | 31.54 |
| Dividend / Share (Rs.) | 0.40 | 0.40 | 0.30 | 0.30 | 0.50 |
| Revenue From Operations / Share (Rs.) | 5.25 | 6.87 | 7.33 | 6.82 | 5.03 |
| PBDIT / Share (Rs.) | 5.28 | 5.87 | 5.56 | 5.48 | 3.92 |
| PBIT / Share (Rs.) | 5.26 | 5.85 | 5.54 | 5.46 | 3.90 |
| PBT / Share (Rs.) | 5.26 | 5.85 | 5.54 | 5.45 | 3.90 |
| Net Profit / Share (Rs.) | 4.34 | 5.15 | 4.55 | 4.31 | 3.22 |
| PBDIT Margin (%) | 100.47 | 85.49 | 75.83 | 80.32 | 78.07 |
| PBIT Margin (%) | 100.12 | 85.18 | 75.53 | 79.96 | 77.54 |
| PBT Margin (%) | 100.12 | 85.17 | 75.52 | 79.89 | 77.50 |
| Net Profit Margin (%) | 82.65 | 75.02 | 61.99 | 63.17 | 64.02 |
| Return on Networth / Equity (%) | 7.92 | 11.31 | 12.24 | 12.23 | 10.20 |
| Return on Capital Employeed (%) | 9.20 | 12.42 | 14.01 | 14.82 | 11.96 |
| Return On Assets (%) | 7.47 | 10.75 | 11.16 | 11.38 | 9.60 |
| Asset Turnover Ratio (%) | 0.09 | 0.15 | 0.18 | 0.19 | 0.15 |
| Current Ratio (X) | 34.26 | 37.81 | 20.21 | 19.39 | 4.29 |
| Quick Ratio (X) | 32.72 | 35.70 | 18.19 | 15.94 | 1.46 |
| Inventory Turnover Ratio (X) | 0.00 | 0.00 | 0.00 | 0.19 | 0.00 |
| Dividend Payout Ratio (NP) (%) | 0.00 | 5.82 | 6.59 | 11.60 | 6.21 |
| Dividend Payout Ratio (CP) (%) | 0.00 | 5.79 | 6.56 | 11.53 | 6.16 |
| Earning Retention Ratio (%) | 0.00 | 94.18 | 93.41 | 88.40 | 93.79 |
| Cash Earning Retention Ratio (%) | 0.00 | 94.21 | 93.44 | 88.47 | 93.84 |
| Interest Coverage Ratio (X) | 106301.50 | 9466.12 | 11204.55 | 1082.76 | 2028.00 |
| Interest Coverage Ratio (Post Tax) (X) | 87451.50 | 8307.96 | 9161.05 | 852.52 | 1664.05 |
| Enterprise Value (Cr.) | 137.27 | 134.38 | 92.00 | 147.17 | 84.30 |
| EV / Net Operating Revenue (X) | 6.49 | 4.85 | 3.11 | 5.35 | 4.16 |
| EV / EBITDA (X) | 6.46 | 5.68 | 4.11 | 6.66 | 5.33 |
| MarketCap / Net Operating Revenue (X) | 7.24 | 5.45 | 3.65 | 5.50 | 4.32 |
| Retention Ratios (%) | 0.00 | 94.17 | 93.40 | 88.39 | 93.78 |
| Price / BV (X) | 0.69 | 0.82 | 0.72 | 1.06 | 0.68 |
| Price / Net Operating Revenue (X) | 7.24 | 5.45 | 3.65 | 5.50 | 4.32 |
| EarningsYield | 0.11 | 0.13 | 0.16 | 0.11 | 0.14 |
After reviewing the key financial ratios for Coral India Finance & Housing Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For FaceValue, as of Mar 25, the value is 2.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 2.00.
- For Basic EPS (Rs.), as of Mar 25, the value is 4.34. This value is below the healthy minimum of 5. It has decreased from 5.15 (Mar 24) to 4.34, marking a decrease of 0.81.
- For Diluted EPS (Rs.), as of Mar 25, the value is 4.34. This value is below the healthy minimum of 5. It has decreased from 5.15 (Mar 24) to 4.34, marking a decrease of 0.81.
- For Cash EPS (Rs.), as of Mar 25, the value is 4.36. This value is within the healthy range. It has decreased from 5.17 (Mar 24) to 4.36, marking a decrease of 0.81.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 54.79. It has increased from 45.54 (Mar 24) to 54.79, marking an increase of 9.25.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 54.79. It has increased from 45.54 (Mar 24) to 54.79, marking an increase of 9.25.
- For Dividend / Share (Rs.), as of Mar 25, the value is 0.40. This value is below the healthy minimum of 1. There is no change compared to the previous period (Mar 24) which recorded 0.40.
- For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 5.25. It has decreased from 6.87 (Mar 24) to 5.25, marking a decrease of 1.62.
- For PBDIT / Share (Rs.), as of Mar 25, the value is 5.28. This value is within the healthy range. It has decreased from 5.87 (Mar 24) to 5.28, marking a decrease of 0.59.
- For PBIT / Share (Rs.), as of Mar 25, the value is 5.26. This value is within the healthy range. It has decreased from 5.85 (Mar 24) to 5.26, marking a decrease of 0.59.
- For PBT / Share (Rs.), as of Mar 25, the value is 5.26. This value is within the healthy range. It has decreased from 5.85 (Mar 24) to 5.26, marking a decrease of 0.59.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 4.34. This value is within the healthy range. It has decreased from 5.15 (Mar 24) to 4.34, marking a decrease of 0.81.
- For PBDIT Margin (%), as of Mar 25, the value is 100.47. This value is within the healthy range. It has increased from 85.49 (Mar 24) to 100.47, marking an increase of 14.98.
- For PBIT Margin (%), as of Mar 25, the value is 100.12. This value exceeds the healthy maximum of 20. It has increased from 85.18 (Mar 24) to 100.12, marking an increase of 14.94.
- For PBT Margin (%), as of Mar 25, the value is 100.12. This value is within the healthy range. It has increased from 85.17 (Mar 24) to 100.12, marking an increase of 14.95.
- For Net Profit Margin (%), as of Mar 25, the value is 82.65. This value exceeds the healthy maximum of 10. It has increased from 75.02 (Mar 24) to 82.65, marking an increase of 7.63.
- For Return on Networth / Equity (%), as of Mar 25, the value is 7.92. This value is below the healthy minimum of 15. It has decreased from 11.31 (Mar 24) to 7.92, marking a decrease of 3.39.
- For Return on Capital Employeed (%), as of Mar 25, the value is 9.20. This value is below the healthy minimum of 10. It has decreased from 12.42 (Mar 24) to 9.20, marking a decrease of 3.22.
- For Return On Assets (%), as of Mar 25, the value is 7.47. This value is within the healthy range. It has decreased from 10.75 (Mar 24) to 7.47, marking a decrease of 3.28.
- For Asset Turnover Ratio (%), as of Mar 25, the value is 0.09. It has decreased from 0.15 (Mar 24) to 0.09, marking a decrease of 0.06.
- For Current Ratio (X), as of Mar 25, the value is 34.26. This value exceeds the healthy maximum of 3. It has decreased from 37.81 (Mar 24) to 34.26, marking a decrease of 3.55.
- For Quick Ratio (X), as of Mar 25, the value is 32.72. This value exceeds the healthy maximum of 2. It has decreased from 35.70 (Mar 24) to 32.72, marking a decrease of 2.98.
- For Inventory Turnover Ratio (X), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 4. There is no change compared to the previous period (Mar 24) which recorded 0.00.
- For Dividend Payout Ratio (NP) (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 20. It has decreased from 5.82 (Mar 24) to 0.00, marking a decrease of 5.82.
- For Dividend Payout Ratio (CP) (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 20. It has decreased from 5.79 (Mar 24) to 0.00, marking a decrease of 5.79.
- For Earning Retention Ratio (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 40. It has decreased from 94.18 (Mar 24) to 0.00, marking a decrease of 94.18.
- For Cash Earning Retention Ratio (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 40. It has decreased from 94.21 (Mar 24) to 0.00, marking a decrease of 94.21.
- For Interest Coverage Ratio (X), as of Mar 25, the value is 106,301.50. This value is within the healthy range. It has increased from 9,466.12 (Mar 24) to 106,301.50, marking an increase of 96,835.38.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 87,451.50. This value is within the healthy range. It has increased from 8,307.96 (Mar 24) to 87,451.50, marking an increase of 79,143.54.
- For Enterprise Value (Cr.), as of Mar 25, the value is 137.27. It has increased from 134.38 (Mar 24) to 137.27, marking an increase of 2.89.
- For EV / Net Operating Revenue (X), as of Mar 25, the value is 6.49. This value exceeds the healthy maximum of 3. It has increased from 4.85 (Mar 24) to 6.49, marking an increase of 1.64.
- For EV / EBITDA (X), as of Mar 25, the value is 6.46. This value is within the healthy range. It has increased from 5.68 (Mar 24) to 6.46, marking an increase of 0.78.
- For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 7.24. This value exceeds the healthy maximum of 3. It has increased from 5.45 (Mar 24) to 7.24, marking an increase of 1.79.
- For Retention Ratios (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 30. It has decreased from 94.17 (Mar 24) to 0.00, marking a decrease of 94.17.
- For Price / BV (X), as of Mar 25, the value is 0.69. This value is below the healthy minimum of 1. It has decreased from 0.82 (Mar 24) to 0.69, marking a decrease of 0.13.
- For Price / Net Operating Revenue (X), as of Mar 25, the value is 7.24. This value exceeds the healthy maximum of 3. It has increased from 5.45 (Mar 24) to 7.24, marking an increase of 1.79.
- For EarningsYield, as of Mar 25, the value is 0.11. This value is below the healthy minimum of 5. It has decreased from 0.13 (Mar 24) to 0.11, marking a decrease of 0.02.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
| Strength | Weakness |
|---|---|
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Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Coral India Finance & Housing Ltd:
- Net Profit Margin: 82.65%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 9.2% (Industry Average ROCE: 48.21%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 7.92% (Industry Average ROE: 13.33%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 87451.5
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 32.72
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 11.2 (Industry average Stock P/E: 11.53)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 0
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 82.65%
Fundamental Analysis of Coral India Finance & Housing Ltd
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance - Housing | Dalamal House, 4th Floor, Mumbai Maharashtra 400021 | cs@coralhousing.in http://www.coralhousing.in |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Navin B Doshi | Chairman & Managing Director |
| Mrs. Meeta Samir Sheth | Non Executive Director |
| Dr. Sharad R Mehta | Independent Director |
| Mrs. Sheela R Kamdar | Independent Director |
| Mr. Kishor R Mehta | Whole Time Director |
| Mr. Niraj A Mehta | Independent Director |
Coral India Finance and Housing Ltd. Share Price Update | |
|---|---|
| Share Price | Value |
| Today | ₹43.06 |
| Previous Day | ₹43.91 |
FAQ
What is the intrinsic value of Coral India Finance & Housing Ltd?
Coral India Finance & Housing Ltd's intrinsic value (as of 14 November 2025) is 42.83 which is 1.49% higher the current market price of 42.20, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 170 Cr. market cap, FY2025-2026 high/low of 65.5/33.7, reserves of ₹213 Cr, and liabilities of 234 Cr.
What is the Market Cap of Coral India Finance & Housing Ltd?
The Market Cap of Coral India Finance & Housing Ltd is 170 Cr..
What is the current Stock Price of Coral India Finance & Housing Ltd as on 14 November 2025?
The current stock price of Coral India Finance & Housing Ltd as on 14 November 2025 is 42.2.
What is the High / Low of Coral India Finance & Housing Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Coral India Finance & Housing Ltd stocks is 65.5/33.7.
What is the Stock P/E of Coral India Finance & Housing Ltd?
The Stock P/E of Coral India Finance & Housing Ltd is 11.2.
What is the Book Value of Coral India Finance & Housing Ltd?
The Book Value of Coral India Finance & Housing Ltd is 54.8.
What is the Dividend Yield of Coral India Finance & Housing Ltd?
The Dividend Yield of Coral India Finance & Housing Ltd is 0.95 %.
What is the ROCE of Coral India Finance & Housing Ltd?
The ROCE of Coral India Finance & Housing Ltd is 10.5 %.
What is the ROE of Coral India Finance & Housing Ltd?
The ROE of Coral India Finance & Housing Ltd is 8.64 %.
What is the Face Value of Coral India Finance & Housing Ltd?
The Face Value of Coral India Finance & Housing Ltd is 2.00.