Coral India Finance & Housing Ltd

₹ 32.9 1.79%

03 Sep - 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 Overview:^[1]
CIFHL is primarily engaged in 2 segments, viz. construction, development & maintenance
of properties and related services, and Investment, which includes lending and investments in the capital market.

Operational Status - FY26:^[2]
a) Construction Segment:
The company did not undertake any construction activity or sale of property in FY26 and, accordingly, no revenue was generated from construction operations during the year. The company generated rental income from the company’s investment properties, registering a growth of ~5.79%. Apart from this, CIFHL continues to maintain its commercial properties.

Website BSE NSE

Market Cap ₹ 131 Cr.
Current Price ₹ 32.9
High / Low ₹ 53.0 / 25.0
Stock P/E 9.11
Book Value ₹ 51.4
Dividend Yield 0.61 %
ROCE 8.06 %
ROE 6.91 %
Face Value ₹ 2.00

Add ratio to table

Edit ratios

Pros

Company is almost debt free.
Stock is trading at 0.64 times its book value

Cons

The company has delivered a poor sales growth of 1.11% over past five years.
Tax rate seems low
Company has a low return on equity of 9.10% over last 3 years.
Earnings include an other income of Rs.5.36 Cr.
Dividend payout has been low at 5.66% 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

Edit Columns

Loading peers table ...

Detailed Comparison with:

Quarterly Results

Figures in Rs. Crores

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	8.82	8.25	3.50	7.12	7.91	6.52	3.68	3.05	4.58	3.84	3.93	3.05	3.72
	2.70	1.71	0.80	1.71	1.33	1.09	1.55	0.75	0.77	0.78	0.78	0.85	0.88
Operating Profit	6.12	6.54	2.70	5.41	6.58	5.43	2.13	2.30	3.81	3.06	3.15	2.20	2.84
OPM %	69.39%	79.27%	77.14%	75.98%	83.19%	83.28%	57.88%	75.41%	83.19%	79.69%	80.15%	72.13%	76.34%
	1.32	-0.76	0.95	1.39	1.99	1.55	0.72	0.56	2.02	0.99	1.57	0.51	2.29
Interest	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.01	0.00
Depreciation	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.01	0.02	0.02	0.02	0.01	0.02
Profit before tax	7.42	5.76	3.63	6.78	8.55	6.96	2.83	2.85	5.81	4.03	4.70	2.69	5.11
Tax %	16.44%	20.83%	13.77%	-1.47%	16.37%	18.68%	17.67%	17.54%	17.21%	12.41%	20.21%	0.00%	13.70%
	6.20	4.55	3.13	6.88	7.15	5.66	2.33	2.35	4.81	3.53	3.75	2.69	4.41
EPS in Rs	1.54	1.13	0.78	1.71	1.77	1.40	0.58	0.58	1.19	0.88	0.93	0.67	1.09
Raw PDF

Profit & Loss

Figures in Rs. Crores

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	19	12	14	23	15	13	19	27	31	31	26	20	15
	6	4	3	6	4	3	4	5	8	7	5	3	3
Operating Profit	13	8	10	17	10	10	15	22	22	24	21	17	11
OPM %	68%	69%	76%	75%	71%	74%	78%	81%	73%	77%	82%	85%	77%
	0	0	0	0	0	0	1	0	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	13	8	10	17	10	10	16	22	22	24	21	17	17
Tax %	21%	19%	19%	21%	19%	17%	17%	21%	18%	12%	17%	14%
	10	6	8	13	8	8	13	17	18	21	17	15	14
EPS in Rs	2.07	1.27	1.63	2.70	1.65	1.61	3.22	4.31	4.55	5.15	4.34	3.67	3.57
Dividend Payout %	10%	16%	2%	7%	12%	12%	16%	7%	7%	8%	9%	0%

Compounded Sales Growth
10 Years:	6%
5 Years:	1%
3 Years:	-13%
TTM:	-18%

Compounded Profit Growth
10 Years:	9%
5 Years:	3%
3 Years:	-7%
TTM:	-5%

Stock Price CAGR
10 Years:	9%
5 Years:	-4%
3 Years:	-7%
1 Year:	-23%

Return on Equity
10 Years:	9%
5 Years:	10%
3 Years:	9%
Last Year:	7%

Balance Sheet

Figures in Rs. Crores

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	10	10	10	10	10	10	8	8	8	8	8	8
Reserves	62	67	135	134	118	107	119	134	142	175	213	199
	0	0	0	0	0	0	0	0	0	0	0	0
	11	12	6	5	6	8	8	11	15	10	13	16
Total Liabilities	83	90	151	149	133	125	135	153	164	193	234	223
	3	2	13	12	12	12	18	18	18	18	18	18
CWIP	4	6	7	4	5	5	5	3	3	3	4	6
Investments	25	31	93	89	59	48	79	78	86	120	161	145
	51	50	39	44	57	60	33	54	58	52	51	55
Total Assets	83	90	151	149	133	125	135	153	164	193	234	223

Cash Flows

Figures in Rs. Crores

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	7	-1	3	-1	5	8	4	2	22	5	19	16
	-3	-4	-2	2	-5	-6	15	1	-9	-3	-18	-11
	-0	0	-1	-0	-1	-1	-21	-2	-1	-1	-2	-2
Net Cash Flow	4	-5	-1	1	-1	1	-2	1	12	0	-1	4
Free Cash Flow	5	-3	2	2	4	8	4	4	22	5	17	15
CFO/OP	71%	13%	47%	15%	66%	86%	27%	12%	98%	21%	88%	95%

Ratios

Figures in Rs. Crores

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Debtor Days	2	17	20	12	26	54	35	14	5	6	2	2
Inventory Days	1,161	6,045		2,640	6,289	6,190	2,489	2,510	749	827
Days Payable	38	205		140	104	118	178	5	8	4
Cash Conversion Cycle	1,125	5,857	20	2,512	6,211	6,126	2,346	2,519	746	829	2	2
Working Capital Days	110	133	259	200	330	306	216	225	129	116	92	136
ROCE %	19%	10%	9%	12%	8%	8%	13%	16%	15%	14%	10%	8%

Insights

In beta

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Capital Gains on Investments
INR Lakhs

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

Please log in to see hidden values.

Construction Segment Revenue
INR Lakhs

Dividend Income
INR Lakhs

Interest Income
INR Lakhs

Investment Segment Revenue
INR Lakhs

Construction Inventory (Finished Goods)
INR Lakhs

Rental Income
INR Lakhs

Total Investment Portfolio (Non-current + Current Investments)
INR Lakhs

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

14 Recently

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	75.00%	75.00%	75.00%	75.00%	75.00%	75.00%	75.00%	74.96%	74.96%	74.96%	74.96%	74.96%
	0.42%	0.42%	0.60%	0.59%	0.69%	0.69%	0.69%	0.69%	0.69%	0.69%	0.69%	0.68%
	0.00%	0.00%	0.00%	0.00%	0.02%	0.02%	0.02%	0.02%	0.02%	0.00%	0.00%	0.00%
	24.57%	24.57%	24.41%	24.42%	24.29%	24.28%	24.28%	24.32%	24.32%	24.35%	24.35%	24.35%
No. of Shareholders	13,500	15,402	15,646	15,491	17,129	16,631	16,683	16,232	16,037	15,575	15,101	14,822

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	Jun 2026
	74.37%	74.37%	74.37%	74.37%	79.63%	75.00%	75.00%	75.00%	75.00%	74.96%	74.96%
	3.91%	1.95%	1.45%	1.45%	0.46%	0.42%	0.42%	0.60%	0.69%	0.69%	0.68%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.02%	0.00%	0.00%
	21.72%	23.68%	24.18%	24.18%	19.91%	24.58%	24.58%	24.41%	24.28%	24.35%	24.35%
No. of Shareholders	1,483	5,947	5,747	5,455	5,451	11,882	12,181	15,646	16,683	15,101	14,822

* 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.

Click on the line-items to see the names of individual entities.

Documents

Announcements

All

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