Share Price and Basic Stock Data
Last Updated: December 26, 2025, 8:39 pm
| PEG Ratio | -2.23 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Coral India Finance & Housing Ltd operates within the finance and housing sector, focusing on providing financial services. The company reported a market capitalization of ₹163 Cr and a current share price of ₹40.5. Over the past fiscal year ending March 2025, the company’s sales stood at ₹26 Cr, which is a decline from the ₹31 Cr reported in both March 2023 and March 2024. Quarterly sales figures have shown variability, with the highest quarterly revenue recorded at ₹10.83 Cr in December 2022, followed by a notable drop to ₹3.50 Cr in December 2023. This fluctuation highlights a challenging revenue environment, with recent quarters, such as March 2025 reporting ₹3.05 Cr and June 2025 at ₹4.58 Cr, indicating a possible recovery trend. The operating profit margin (OPM) remained robust at 83.19%, showcasing the company’s ability to maintain profitability despite revenue fluctuations.
Profitability and Efficiency Metrics
Coral India Finance & Housing Ltd reported a net profit of ₹17 Cr for the fiscal year ending March 2025, down from ₹21 Cr in March 2024. The company’s P/E ratio is positioned at 12.5, below the sector average, indicating potential undervaluation relative to earnings. The return on equity (ROE) stood at 8.64%, while the return on capital employed (ROCE) was reported at 10.5%. These metrics suggest a moderate level of efficiency in generating profits from equity and capital. The interest coverage ratio (ICR) is exceptionally high at 106,301.50x, indicating that the company comfortably covers its interest expenses without any borrowings, which is a significant strength. However, the cash conversion cycle (CCC) is recorded at 9 days, which is relatively efficient, but the company should remain vigilant against any increase in receivables or inventory levels that could disrupt this efficiency.
Balance Sheet Strength and Financial Ratios
The balance sheet of Coral India Finance & Housing Ltd exhibits considerable strength, with total assets amounting to ₹234 Cr as of March 2025, reflecting a steady increase from ₹193 Cr in March 2024. Importantly, the company has no borrowings, maintaining a debt-free status that enhances financial stability. Reserves have grown to ₹213 Cr, indicating a solid capital base for future investments or contingencies. The price-to-book value (P/BV) ratio is at 0.69x, suggesting that the stock may be undervalued compared to its book value, which stood at ₹54.79 per share. Financial ratios such as the current ratio at 34.26x and quick ratio at 32.72x indicate excellent liquidity, far exceeding typical sector norms, which typically hover around 1.5x. However, the asset turnover ratio is low at 0.09%, signaling potential inefficiencies in asset utilization that the company may need to address.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Coral India Finance & Housing Ltd reveals a strong promoter presence, with promoters holding 74.96% of the equity as of June 2025. This significant shareholding can instill confidence among investors regarding the long-term vision and stability of the company. Foreign institutional investors (FIIs) hold a modest 0.69%, while domestic institutional investors (DIIs) represent only 0.02%, indicating minimal institutional interest in the stock. The public holding stands at 24.32%, with the number of shareholders reported at 16,037. This diversified base of public shareholders may reflect a growing interest despite low institutional participation. The gradual increase in public shareholders from 12,244 in December 2022 to the current figure suggests a positive trend in investor engagement, which could be pivotal for driving future growth.
Outlook, Risks, and Final Insight
The outlook for Coral India Finance & Housing Ltd appears cautiously optimistic, supported by its solid financial metrics and strong profitability margins. However, the significant decline in sales and net profit over consecutive periods raises concerns about sustainability in revenue generation. Risks include potential volatility in housing finance demand and the company’s reliance on maintaining operational efficiency amidst fluctuating market conditions. Furthermore, the low institutional investor interest could limit the stock’s liquidity and price support in adverse market conditions. Conversely, the absence of debt and a healthy reserve base provide a buffer against economic downturns. Should the company effectively address its revenue challenges, it stands to benefit from its strong financial position, potentially leading to improved investor confidence and market performance.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Ind Bank Housing Ltd | 42.1 Cr. | 42.1 | 55.0/33.0 | 121 | 0.00 % | 3.74 % | % | 10.0 | |
| Home First Finance Company India Ltd | 11,593 Cr. | 1,116 | 1,519/839 | 25.6 | 388 | 0.33 % | 11.4 % | 16.5 % | 2.00 |
| Aptus Value Housing Finance India Ltd | 14,065 Cr. | 281 | 365/268 | 16.7 | 93.0 | 1.60 % | 15.0 % | 18.6 % | 2.00 |
| Repco Home Finance Ltd | 2,554 Cr. | 408 | 464/308 | 5.85 | 557 | 0.98 % | 11.1 % | 14.2 % | 10.0 |
| PNB Housing Finance Ltd | 24,587 Cr. | 944 | 1,142/746 | 11.2 | 690 | 0.53 % | 9.46 % | 12.3 % | 10.0 |
| Industry Average | 10,434.50 Cr | 422.32 | 11.54 | 332.03 | 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: December 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 | 15 |
| 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 | 11 |
| OPM % | 63% | 68% | 69% | 76% | 75% | 71% | 74% | 78% | 81% | 73% | 77% | 82% | 75% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 4 |
| 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 | 16 |
| 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 | 13 |
| 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 | 3.23 |
| 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: December 10, 2025, 2:33 am
| 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 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 8 | 8 | 8 | 8 | 8 | 8 |
| Reserves | 53 | 62 | 67 | 135 | 134 | 118 | 107 | 119 | 134 | 142 | 175 | 213 | 206 |
| Borrowings | 0 | 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 | 15 |
| Total Liabilities | 70 | 83 | 90 | 151 | 149 | 133 | 125 | 135 | 153 | 164 | 193 | 234 | 229 |
| Fixed Assets | 3 | 3 | 2 | 13 | 12 | 12 | 12 | 18 | 18 | 18 | 18 | 18 | 18 |
| CWIP | 2 | 4 | 6 | 7 | 4 | 5 | 5 | 5 | 3 | 3 | 3 | 4 | 5 |
| Investments | 21 | 25 | 31 | 93 | 89 | 59 | 48 | 79 | 78 | 86 | 120 | 161 | 152 |
| Other Assets | 44 | 51 | 50 | 39 | 44 | 57 | 60 | 33 | 54 | 58 | 52 | 51 | 54 |
| Total Assets | 70 | 83 | 90 | 151 | 149 | 133 | 125 | 135 | 153 | 164 | 193 | 234 | 229 |
Below is a detailed analysis of the balance sheet data for Coral India Finance & Housing Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 8.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 8.00 Cr..
- For Reserves, as of Sep 2025, the value is 206.00 Cr.. The value appears to be declining and may need further review. It has decreased from 213.00 Cr. (Mar 2025) to 206.00 Cr., marking a decrease of 7.00 Cr..
- For Borrowings, as of Sep 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 2025) which recorded 0.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 15.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 13.00 Cr. (Mar 2025) to 15.00 Cr., marking an increase of 2.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 229.00 Cr.. The value appears to be improving (decreasing). It has decreased from 234.00 Cr. (Mar 2025) to 229.00 Cr., marking a decrease of 5.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 18.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 18.00 Cr..
- For CWIP, as of Sep 2025, the value is 5.00 Cr.. The value appears strong and on an upward trend. It has increased from 4.00 Cr. (Mar 2025) to 5.00 Cr., marking an increase of 1.00 Cr..
- For Investments, as of Sep 2025, the value is 152.00 Cr.. The value appears to be declining and may need further review. It has decreased from 161.00 Cr. (Mar 2025) to 152.00 Cr., marking a decrease of 9.00 Cr..
- For Other Assets, as of Sep 2025, the value is 54.00 Cr.. The value appears strong and on an upward trend. It has increased from 51.00 Cr. (Mar 2025) to 54.00 Cr., marking an increase of 3.00 Cr..
- For Total Assets, as of Sep 2025, the value is 229.00 Cr.. The value appears to be declining and may need further review. It has decreased from 234.00 Cr. (Mar 2025) to 229.00 Cr., marking a decrease of 5.00 Cr..
Notably, the Reserves (206.00 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) | 3.27 | 3.32 | 0.00 | 0.19 | 0.00 |
| Dividend Payout Ratio (NP) (%) | 9.21 | 5.82 | 6.59 | 11.60 | 6.21 |
| Dividend Payout Ratio (CP) (%) | 9.17 | 5.79 | 6.56 | 11.53 | 6.16 |
| Earning Retention Ratio (%) | 90.79 | 94.18 | 93.41 | 88.40 | 93.79 |
| Cash Earning Retention Ratio (%) | 90.83 | 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 (%) | 90.78 | 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 3.27. This value is below the healthy minimum of 4. It has decreased from 3.32 (Mar 24) to 3.27, marking a decrease of 0.05.
- For Dividend Payout Ratio (NP) (%), as of Mar 25, the value is 9.21. This value is below the healthy minimum of 20. It has increased from 5.82 (Mar 24) to 9.21, marking an increase of 3.39.
- For Dividend Payout Ratio (CP) (%), as of Mar 25, the value is 9.17. This value is below the healthy minimum of 20. It has increased from 5.79 (Mar 24) to 9.17, marking an increase of 3.38.
- For Earning Retention Ratio (%), as of Mar 25, the value is 90.79. This value exceeds the healthy maximum of 70. It has decreased from 94.18 (Mar 24) to 90.79, marking a decrease of 3.39.
- For Cash Earning Retention Ratio (%), as of Mar 25, the value is 90.83. This value exceeds the healthy maximum of 70. It has decreased from 94.21 (Mar 24) to 90.83, marking a decrease of 3.38.
- 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 90.78. This value exceeds the healthy maximum of 70. It has decreased from 94.17 (Mar 24) to 90.78, marking a decrease of 3.39.
- 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: 12.5 (Industry average Stock P/E: 11.54)
- 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%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance - Housing | Dalamal House, 4th Floor, Mumbai Maharashtra 400021 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Navin B Doshi | Chairman & Managing Director |
| Mr. Kishor R Mehta | Whole Time Director |
| Mrs. Meeta Samir Sheth | Non Executive Director |
| Mrs. Sheela R Kamdar | Independent Director |
| Mr. Niraj A Mehta | Independent Director |
| Mr. Vinay Mehta | Independent Director |
| Mr. Neha Mehta | Ind. Non-Executive Director |
FAQ
What is the intrinsic value of Coral India Finance & Housing Ltd?
Coral India Finance & Housing Ltd's intrinsic value (as of 27 December 2025) is 46.42 which is 14.62% higher the current market price of 40.50, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 163 Cr. market cap, FY2025-2026 high/low of 65.5/33.7, reserves of ₹206 Cr, and liabilities of 229 Cr.
What is the Market Cap of Coral India Finance & Housing Ltd?
The Market Cap of Coral India Finance & Housing Ltd is 163 Cr..
What is the current Stock Price of Coral India Finance & Housing Ltd as on 27 December 2025?
The current stock price of Coral India Finance & Housing Ltd as on 27 December 2025 is 40.5.
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 12.5.
What is the Book Value of Coral India Finance & Housing Ltd?
The Book Value of Coral India Finance & Housing Ltd is 53.2.
What is the Dividend Yield of Coral India Finance & Housing Ltd?
The Dividend Yield of Coral India Finance & Housing Ltd is 0.99 %.
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.