Coral India Finance & Housing Ltd

₹ 32.0 -1.84%

10 Mar - close price

corallab.com; www.coralhousing.in BSE: 531556 NSE: CORALFINAC

About

Incorporated in 1995, Coral India Finance and Housing Ltd provides Construction, Investment, development & maintenance of properties and related services^[1]

Key Points

Business Divisions:^[1]
a) Construction:
Company develops real estate projects across commercial complexes, residential developments. It works as Builders,Developers, Contractors for Construction work, including land and property development and Real estate dealers and also works on design, landscaping, engineering and structural strength of these developments
b) Financial Services:
Bill discounting, raising & placement of funds, placement of securities, advising on investments of funds, financial consultants, project counseling & advisory services, Investments and lending activities, etc.

Website BSE NSE

Market Cap ₹ 129 Cr.
Current Price ₹ 32.0
High / Low ₹ 53.0 / 31.5
Stock P/E 8.92
Book Value ₹ 53.2
Dividend Yield 1.25 %
ROCE 10.5 %
ROE 8.64 %
Face Value ₹ 2.00

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Pros

Company is almost debt free.
Stock is trading at 0.60 times its book value

Cons

Company has a low return on equity of 11.0% over last 3 years.
Earnings include an other income of Rs.5.14 Cr.
Dividend payout has been low at 7.86% of profits over last 3 years

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Services Services Commercial Services & Supplies Diversified Commercial Services

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Detailed Comparison with:

Quarterly Results

Figures in Rs. Crores

	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
	10.83	10.62	8.82	8.25	3.50	7.12	7.91	6.52	3.68	3.05	4.58	3.84	3.93
	2.88	3.40	2.70	1.71	0.80	1.71	1.33	1.09	1.55	0.75	0.77	0.78	0.78
Operating Profit	7.95	7.22	6.12	6.54	2.70	5.41	6.58	5.43	2.13	2.30	3.81	3.06	3.15
OPM %	73.41%	67.98%	69.39%	79.27%	77.14%	75.98%	83.19%	83.28%	57.88%	75.41%	83.19%	79.69%	80.15%
	0.40	0.37	1.32	-0.76	0.95	1.39	1.99	1.55	0.72	0.56	2.02	0.99	1.57
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	0.01	0.02	0.02	0.02
Profit before tax	8.33	7.57	7.42	5.76	3.63	6.78	8.55	6.96	2.83	2.85	5.81	4.03	4.70
Tax %	17.41%	18.49%	16.44%	20.83%	13.77%	-1.47%	16.37%	18.68%	17.67%	17.54%	17.21%	12.41%	20.21%
	6.87	6.18	6.20	4.55	3.13	6.88	7.15	5.66	2.33	2.35	4.81	3.53	3.75
EPS in Rs	1.70	1.53	1.54	1.13	0.78	1.71	1.77	1.40	0.58	0.58	1.19	0.88	0.93
Raw PDF

Profit & Loss

Figures in Rs. Crores

	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
	14	19	12	14	23	15	13	19	27	31	31	26	15
	5	6	4	3	6	4	3	4	5	8	7	5	3
Operating Profit	9	13	8	10	17	10	10	15	22	22	24	21	12
OPM %	63%	68%	69%	76%	75%	71%	74%	78%	81%	73%	77%	82%	80%
	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	17
Tax %	20%	21%	19%	19%	21%	19%	17%	17%	21%	18%	12%	17%
	7	10	6	8	13	8	8	13	17	18	21	17	14
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	3.58
Dividend Payout %	16%	10%	16%	2%	7%	12%	12%	16%	7%	7%	8%	9%

Compounded Sales Growth
10 Years:	3%
5 Years:	14%
3 Years:	-2%
TTM:	-39%

Compounded Profit Growth
10 Years:	5%
5 Years:	17%
3 Years:	0%
TTM:	-34%

Stock Price CAGR
10 Years:	11%
5 Years:	7%
3 Years:	1%
1 Year:	-15%

Return on Equity
10 Years:	10%
5 Years:	11%
3 Years:	11%
Last Year:	9%

Balance Sheet

Figures in Rs. Crores

	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
	0	0	0	0	0	0	0	0	0	0	0	0	0
	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
	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
	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

Cash Flows

Figures in Rs. Crores

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
	-4	7	-1	3	-1	5	8	4	2	22	5	19
	-6	-3	-4	-2	2	-5	-6	15	1	-9	-3	-18
	-0	-0	0	-1	-0	-1	-1	-21	-2	-1	-1	-2
Net Cash Flow	-9	4	-5	-1	1	-1	1	-2	1	12	0	-1

Ratios

Figures in Rs. Crores

	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%

Insights

In beta

Mar 2015

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Inventory of Finished Units (Unsold Residential Units)
INR Lakhs

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x	x	x	x	x	x	x	x	x	x	x
xxx.xx	xxx.xx	xxx.xx	xxx.xx	xxx.xx	xx.xx	xxx.xx	xxx.xx	xxx.xx	xxx.xx	xxx.xx
x,xxx.xx	xxx.xx	xxx.xx	xxx.xx	x,xxx.xx	x,xxx.xx	xxx.xx	xxx.xx	x,xxx.xx	xxx.xx	xxx.xx

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Market Value of Investment Property
INR Lakhs

Number of Permanent Employees
Count

Rental Income (Gross)
INR Lakhs

Sale of Flats (Gross)
INR Lakhs

Shareholding Pattern

Numbers in percentages

	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
	75.00%	75.00%	75.00%	75.00%	75.00%	75.00%	75.00%	75.00%	75.00%	74.96%	74.96%	74.96%
	0.42%	0.42%	0.42%	0.42%	0.60%	0.59%	0.69%	0.69%	0.69%	0.69%	0.69%	0.69%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.02%	0.02%	0.02%	0.02%	0.02%	0.00%
	24.58%	24.58%	24.57%	24.57%	24.41%	24.42%	24.29%	24.28%	24.28%	24.32%	24.32%	24.35%
No. of Shareholders	12,181	12,358	13,500	15,402	15,646	15,491	17,129	16,631	16,683	16,232	16,037	15,575

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Dec 2025
	74.37%	74.37%	74.37%	74.37%	79.63%	75.00%	75.00%	75.00%	75.00%	74.96%
	3.91%	1.95%	1.45%	1.45%	0.46%	0.42%	0.42%	0.60%	0.69%	0.69%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.02%	0.00%
	21.72%	23.68%	24.18%	24.18%	19.91%	24.58%	24.58%	24.41%	24.28%	24.35%
No. of Shareholders	1,483	5,947	5,747	5,455	5,451	11,882	12,181	15,646	16,683	15,575

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Coral India Finance & Housing Ltd

Coral India Finance & Housing Ltd

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Cash Flows

Ratios

Insights

Shareholding Pattern

Documents

Announcements

Annual reports