Share Price and Basic Stock Data
Last Updated: January 23, 2026, 4:33 pm
| PEG Ratio | -2.03 |
|---|
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 solutions. The company reported a price of ₹36.3, with a market capitalization of ₹146 Cr. Over the past few quarters, revenue trends exhibited fluctuations. Sales for the quarter ending September 2022 were ₹3.78 Cr, which rose significantly to ₹10.83 Cr by December 2022. However, sales declined to ₹8.25 Cr by September 2023, with the latest quarter, December 2023, recording sales of ₹3.50 Cr. For the trailing twelve months (TTM), sales stood at ₹15 Cr, indicating a decline from ₹31 Cr reported for both FY 2024 and FY 2023. This inconsistency in revenue generation raises questions about the company’s market positioning and operational efficiency. The company’s operating profit margin (OPM) remained robust at 79.69%, suggesting effective cost management despite the revenue fluctuations. The company’s historical sales data shows a peak of ₹31 Cr in FY 2023, but the downward trend in subsequent quarters is concerning.
Profitability and Efficiency Metrics
Coral India Finance & Housing Ltd’s profitability metrics portray a mixed performance. The company recorded a net profit of ₹13 Cr, resulting in a price-to-earnings (P/E) ratio of 11.2, which is relatively attractive compared to the sector average. The return on equity (ROE) was reported at 8.64%, while the return on capital employed (ROCE) stood at 10.5%, both indicating moderate efficiency in generating returns for shareholders. The operating profit for the latest reported quarter, September 2023, was ₹6.54 Cr, sustaining an OPM of 79.27%. However, the net profit margin showed variability, declining to 4.55 Cr in September 2023 from earlier highs. The company’s interest coverage ratio (ICR) was exceptionally high at 106,301.50x, reflecting no borrowings and a strong ability to meet interest obligations. This high ICR suggests a solid financial position, but the declining net profit indicates potential challenges in sustaining profitability in the long term.
Balance Sheet Strength and Financial Ratios
The balance sheet of Coral India Finance & Housing Ltd demonstrates a strong financial position, characterized by zero borrowings and substantial reserves of ₹206 Cr. This absence of debt indicates a conservative financial strategy, contributing to stability. The company reported a price-to-book value (P/BV) ratio of 0.69x, which is below the typical sector range, suggesting the stock may be undervalued compared to its net assets. Total assets increased from ₹164 Cr in FY 2023 to ₹234 Cr in FY 2025, alongside a consistent increase in reserves. The current ratio stood at an impressive 34.26, indicating excellent liquidity. However, the cash conversion cycle (CCC) of 9 days suggests efficient inventory and receivables management, which is superior compared to industry norms. The equity capital remained steady at ₹8 Cr, while the book value per share has risen to ₹54.79, reflecting an increase in net worth. Overall, the balance sheet is robust, but the declining profitability trends warrant close scrutiny.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Coral India Finance & Housing Ltd reveals a strong promoter backing of 74.96%, indicating significant confidence from the management in the company’s long-term prospects. Foreign institutional investors (FIIs) have a marginal stake of 0.69%, while domestic institutional investors (DIIs) hold a negligible 0.02%. The public shareholding stands at 24.32%, with the number of shareholders reported at 16,037. The consistent promoter shareholding over recent quarters indicates stability in governance. However, the low institutional interest could reflect caution among institutional investors regarding the company’s growth prospects, especially given the recent revenue declines. The gradual increase in public shareholders from 12,244 in December 2022 to 16,037 in September 2025 suggests growing retail interest. This shift may enhance liquidity but also indicates a need for the company to strengthen its narrative to attract institutional investment.
Outlook, Risks, and Final Insight
Looking ahead, Coral India Finance & Housing Ltd faces both opportunities and risks. The strong balance sheet and high liquidity position provide a buffer against economic downturns and operational challenges. However, the declining sales trend and fluctuating profitability metrics highlight the potential risks of sustaining growth. The company’s reliance on a limited revenue stream and lack of diversification may pose threats in a volatile market. If the company can stabilize its revenue and improve profitability while maintaining its low debt levels, it may enhance investor confidence and attract institutional interest. Conversely, failure to address declining sales could lead to a reevaluation of its market position. The company’s ability to innovate and adapt to changing market dynamics will be crucial in determining its future performance and shareholder value.
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 | 38.3 Cr. | 38.3 | 52.0/33.0 | 121 | 0.00 % | 3.74 % | % | 10.0 | |
| Home First Finance Company India Ltd | 10,917 Cr. | 1,049 | 1,519/839 | 22.0 | 386 | 0.35 % | 11.4 % | 16.5 % | 2.00 |
| Aptus Value Housing Finance India Ltd | 13,279 Cr. | 265 | 365/257 | 15.8 | 93.0 | 1.70 % | 15.0 % | 18.6 % | 2.00 |
| Repco Home Finance Ltd | 2,458 Cr. | 393 | 464/308 | 5.63 | 557 | 1.02 % | 11.1 % | 14.2 % | 10.0 |
| PNB Housing Finance Ltd | 22,389 Cr. | 860 | 1,142/746 | 9.97 | 690 | 0.58 % | 9.46 % | 12.3 % | 10.0 |
| Industry Average | 9,895.70 Cr | 399.17 | 10.54 | 331.84 | 1.05% | 48.21% | 13.33% | 5.64 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 3.78 | 10.83 | 10.62 | 8.82 | 8.25 | 3.50 | 7.12 | 7.91 | 6.52 | 3.68 | 3.05 | 4.58 | 3.84 |
| Expenses | 0.75 | 2.88 | 3.40 | 2.70 | 1.71 | 0.80 | 1.71 | 1.33 | 1.09 | 1.55 | 0.75 | 0.77 | 0.78 |
| Operating Profit | 3.03 | 7.95 | 7.22 | 6.12 | 6.54 | 2.70 | 5.41 | 6.58 | 5.43 | 2.13 | 2.30 | 3.81 | 3.06 |
| OPM % | 80.16% | 73.41% | 67.98% | 69.39% | 79.27% | 77.14% | 75.98% | 83.19% | 83.28% | 57.88% | 75.41% | 83.19% | 79.69% |
| Other Income | 0.75 | 0.40 | 0.37 | 1.32 | -0.76 | 0.95 | 1.39 | 1.99 | 1.55 | 0.72 | 0.56 | 2.02 | 0.99 |
| 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 | 0.01 | 0.02 | 0.02 |
| Profit before tax | 3.76 | 8.33 | 7.57 | 7.42 | 5.76 | 3.63 | 6.78 | 8.55 | 6.96 | 2.83 | 2.85 | 5.81 | 4.03 |
| Tax % | 18.62% | 17.41% | 18.49% | 16.44% | 20.83% | 13.77% | -1.47% | 16.37% | 18.68% | 17.67% | 17.54% | 17.21% | 12.41% |
| Net Profit | 3.06 | 6.87 | 6.18 | 6.20 | 4.55 | 3.13 | 6.88 | 7.15 | 5.66 | 2.33 | 2.35 | 4.81 | 3.53 |
| EPS in Rs | 0.76 | 1.70 | 1.53 | 1.54 | 1.13 | 0.78 | 1.71 | 1.77 | 1.40 | 0.58 | 0.58 | 1.19 | 0.88 |
Last Updated: January 2, 2026, 1:37 am
Below is a detailed analysis of the quarterly data for Coral India Finance & Housing Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Sales, as of Sep 2025, the value is 3.84 Cr.. The value appears to be declining and may need further review. It has decreased from 4.58 Cr. (Jun 2025) to 3.84 Cr., marking a decrease of 0.74 Cr..
- For Expenses, as of Sep 2025, the value is 0.78 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 0.77 Cr. (Jun 2025) to 0.78 Cr., marking an increase of 0.01 Cr..
- For Operating Profit, as of Sep 2025, the value is 3.06 Cr.. The value appears to be declining and may need further review. It has decreased from 3.81 Cr. (Jun 2025) to 3.06 Cr., marking a decrease of 0.75 Cr..
- For OPM %, as of Sep 2025, the value is 79.69%. The value appears to be declining and may need further review. It has decreased from 83.19% (Jun 2025) to 79.69%, marking a decrease of 3.50%.
- For Other Income, as of Sep 2025, the value is 0.99 Cr.. The value appears to be declining and may need further review. It has decreased from 2.02 Cr. (Jun 2025) to 0.99 Cr., marking a decrease of 1.03 Cr..
- For Interest, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00 Cr..
- For Depreciation, as of Sep 2025, the value is 0.02 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.02 Cr..
- For Profit before tax, as of Sep 2025, the value is 4.03 Cr.. The value appears to be declining and may need further review. It has decreased from 5.81 Cr. (Jun 2025) to 4.03 Cr., marking a decrease of 1.78 Cr..
- For Tax %, as of Sep 2025, the value is 12.41%. The value appears to be improving (decreasing) as expected. It has decreased from 17.21% (Jun 2025) to 12.41%, marking a decrease of 4.80%.
- For Net Profit, as of Sep 2025, the value is 3.53 Cr.. The value appears to be declining and may need further review. It has decreased from 4.81 Cr. (Jun 2025) to 3.53 Cr., marking a decrease of 1.28 Cr..
- For EPS in Rs, as of Sep 2025, the value is 0.88. The value appears to be declining and may need further review. It has decreased from 1.19 (Jun 2025) to 0.88, marking a decrease of 0.31.
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: 11.4 (Industry average Stock P/E: 10.54)
- 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 23 January 2026) is ₹40.00 which is 9.29% higher the current market price of ₹36.60, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹148 Cr. market cap, FY2025-2026 high/low of ₹53.0/33.7, 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 148 Cr..
What is the current Stock Price of Coral India Finance & Housing Ltd as on 23 January 2026?
The current stock price of Coral India Finance & Housing Ltd as on 23 January 2026 is ₹36.6.
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 ₹53.0/33.7.
What is the Stock P/E of Coral India Finance & Housing Ltd?
The Stock P/E of Coral India Finance & Housing Ltd is 11.4.
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 1.10 %.
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.