Coral India Finance & Housing Ltd - Stock Valuation and Financial Performance

BSE: 531556 | NSE: CORALFINAC | Finance - NBFC | Small Cap

Coral India Fin &Hsg Share Price

43.69 -1.40 -3.10%
as on 11-Feb'25 16:59

DeciZen - make an informed investing decision on Coral India Fin &Hsg

Overall Rating
M-Cap below 500cr. High Risk from low Liquidity Bole Toh

1. Quality

2. Valuation

Somewhat Undervalued

3. Price Trend

Coral India Finance & Housing stock performance -
43.69 -11.00-20.00% past year

Price Chart, Live Stock Chart, Technical Chart of
P/E Ratio (SA):
7.72
Market Cap:
176.1 Cr.
52-wk low:
37.4
52-wk high:
77.9

Is Coral India Finance & Housing Ltd an attractive stock to invest in?

1. Is Coral India Finance & Housing Ltd a good quality company?

Past 10 year’s financial track record analysis by Moneyworks4me indicates that Coral India Finance & Housing Ltd is a below average quality company.

2. Is Coral India Finance & Housing Ltd undervalued or overvalued?

The key valuation ratios of Coral India Finance & Housing Ltd's currently when compared to its past seem to suggest it is in the Somewhat Undervalued zone.

3. Is Coral India Finance & Housing Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Coral India Finance & Housing Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

10 Year X-Ray of Coral India Fin &Hsg:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Coral India Finance & Housing Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Operating Income (₹ Cr.)
16.211.813.622.114.21220.227.529.627.725
YoY Gr. Rt. %
--27.3%15.3%62.9%-35.7%-15.3%67.8%36.2%7.5%-6.3%-
Adj EPS (₹ )
2.11.31.62.71.71.63.24.34.65.25.7
YoY Gr. Rt. %
--38.7%28.4%65.6%-38.9%-2.4%100%33.9%5.6%13.2%-
BVPS (₹ )
14.415.529.128.925.623.531.535.237.145.558
YoY Gr. Rt. %
-7.1%88%-0.7%-11.5%-8.2%34.4%11.7%5.3%22.7%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)
13.57.46.795.86.21012.111.611.60

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income6.2%14.3%11.1%-6.3%
Adj EPS10.7%25.6%17%13.2%
BVPS13.6%12.2%13%22.7%
Share Price 13% 25.2% 0.9% -15.5%

Key Financial Ratios

RATIOS \ YEARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)
0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%)
0000000000-
Margins
Net Profit Margin (%)
63.853.959.961.157.866.664.263.2627591.1
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)
15.38.57.39.36.16.610.612.912.612.59.8

Recent Performance Summary

Total Income has increased 11.09 CAGR in last 3 years

Net Profit has increased 16.95 CAGR in last 3 years

Return on Equity has declined versus last 3 years average to 10.90%

Total income growth is poor in last 4 quarters

Latest Financials - Coral India Finance & Housing Ltd.

Standalone Consolidated
TTM EPS (₹) 5.7 -
TTM Sales (₹ Cr.) 25 -
BVPS (₹.) 58 -
Reserves (₹ Cr.) 225 -
P/BV 0.75 -
PE 7.72 -
From the Market
52 Week Low / High (₹) 37.41 / 77.85
All Time Low / High (₹) 0.32 / 105.10
Market Cap (₹ Cr.) 176
Equity (₹ Cr.) 8.1
Face Value (₹) 2
Industry PE 27.1

Quarterly Results

 Dec'23 YoY Gr. Rt. %Mar'24 YoY Gr. Rt. %Jun'24 YoY Gr. Rt. %Sep'24 YoY Gr. Rt. %
Operating Income3.5 -67.77.1 -337.9 -10.36.5 -21
Adj EPS (₹)0.78 -54.41.71 11.81.77 14.91.40 23.9
Net Profit Mgn %89.45 2601 bps96.70 3852 bps90.40 2008 bps86.83 3164 bps

Management X-Ray of Coral India Fin &Hsg:

Shareholding Pattern

JavaScript chart by amCharts 3.21.5
JavaScript chart by amCharts 3.21.5Promoters:75%Institutions:0.7%Non-Institutions:24.3%

Promoter's Holding & Share Pledging

JavaScript chart by amCharts 3.21.5Sep22Dec22Mar23Jun23Sep23Dec23Mar24Jun24Sep24Dec240%20%40%60%80%
Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Valuation of Coral India Fin &Hsg

MRP
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MOS
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DP
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Base BVPS
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DPS
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MRP: ₹ 0
DP: ₹0
Base BVPS ₹:
DPS ₹:
MOS (%):
Save my Valuation
Expected BVPS Growth Rate:
0%
Base 0%
30%
Expected Rate of Return:
0%
Base 0%
30%
Future PBV:
0
Base 0
40
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max

Event Update

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Analyst's Notes

No data found!

Key Ratios of Coral India Fin &Hsg

Adj EPS (Rs.)

Price Chart, Live Stock Chart, Technical Chart of

Total Income (Cr.)

Price Chart, Live Stock Chart, Technical Chart of

ROE (%)

Price Chart, Live Stock Chart, Technical Chart of

BVPS (Rs.)

Price Chart, Live Stock Chart, Technical Chart of
Company Name CMP(₹)
Change ₹(%)
Market Cap
Net Sales (₹ Cr.)
Latest EPS (₹)
Net Profit Margin %
Latest P/E
Latest P/BV
Piramal Enterprises 958.8 -52.7 (-5.2%) Small Cap 10,020 23.1 -16.8 41.6 0.8
Edelweiss Financial 109.2 1.4 (1.3%) Small Cap 9,500 4.9 5.6 22.3 2
Manappuram Finance 197.4 -7.5 (-3.6%) Small Cap 8,848 26.7 24.8 7.4 1.3
CreditAccess Grameen 995.3 -61.1 (-5.8%) Small Cap 5,167 55.2 28 18 2.3
Spandana Sphoorty 326.6 -12.4 (-3.7%) Small Cap 2,424 -66.2 20.7 - 0.8
Fusion Finance 171.6 -7.9 (-4.4%) Small Cap 2,317 -8.1 21.8 - 0.7
Muthoot Microfin 151.2 -4.5 (-2.9%) Small Cap 2,270 17.5 19.8 8.6 0.9
Five Star Business 700.6 -26.2 (-3.6%) Small Cap 2,183 35 38.3 20 3.4
Northern ARC Capital 184.3 -3.1 (-1.6%) Small Cap 1,829 17.4 15.3 10.6 0.9
Fedbank Financial 92.8 -1.8 (-1.9%) Small Cap 1,577 5.9 15.5 15.6 1.4
Shows rows:

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Income19121423151321283131
Interest Income16121422141220273028
Other Income 3001011013
Expenditure 6446445687
Interest Expense 0000000000
Operating Expenses 6436434587
Provisions 0000001100
Exceptional Items 0000000000
Profit Before Tax 1381017101016222224
Taxes 3223223543
Profit After Tax 1068138813171821
Adjusted EPS (₹)2.11.31.62.71.71.63.24.34.65.2
Dividend Payout Ratio (%)10%16%12%7%12%12%16%7%0%0%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Equity and Liabilities

Equity Capital7278145144127117127142150184
Share Capital 1010101010108888
Reserves 6267135134118107119134142175
Minority Interest0000000000
Long Term Borrowings34345546106
Current Liabilities 7831134453
Trade Payables0011001000
Short term borrowings0000000000
Other Liabilities00-1-100-1000
Total Liabilities 8390151149133125135153164193

Assets

Non Current Asset 607213513011610663706570
Loan Asset 0000000000
Other Non Current Asset 607213513011610663706570
Current Asset 231816191819728299123
Current Investment00000054586794
Other Current Asset23181619181918253229
Total Assets 8390151149133125135153164193

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Cash Flow From Operating Activity 7-13-15842225
Cash Flow From Investing Activity -3-4-22-5-6151-9-3
Cash Flow From Financing Activity 00-10-1-1-21-2-1-1
Net Cash Flow 4-5-11-11-21120
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Operational & Financial Ratios

EPS (₹)10683223455
DPS (₹)1110001000
BVPS (₹)727714529262332353746

Performance Ratios

ROA (%)13.57.46.79.05.86.210.012.111.611.6
ROE (%)15.38.57.39.36.16.610.612.912.612.5
ROCE (%)19.210.59.111.87.57.912.916.315.314.2

Valuation Parameters

Price/Book(x)0.70.71.31.10.70.60.71.10.70.8

Coral India Finance & Housing Ltd Stock News

Coral India Finance & Housing Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of Coral India Fin &Hsg on 11-Feb-2025 16:59 is ₹43.69.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 11-Feb-2025 16:59 the market cap of Coral India Fin &Hsg stood at ₹176.1.
The latest P/E ratio of Coral India Fin &Hsg as of 11-Feb-2025 16:59 is 7.72.
The latest P/B ratio of Coral India Fin &Hsg as of 11-Feb-2025 16:59 is 0.75.
The 52-week high of Coral India Fin &Hsg is ₹77.85 and the 52-week low is ₹37.41.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Coral India Fin &Hsg is ₹25.04 ( Cr.) .

About Coral India Finance & Housing Ltd

Coral India Housing, earlier known as Coral India Finance & Housing was incorporated on January 04, 1995. The company operates in the three segments of finance, resort and construction. It went into agreement with Standard Fireworks to acquire 14,700 sq. ft. of land in Thane valued at Rs 3.11 crore for its project Coral Orchids. In 2010 -the company has changed his name from Coral India Finance & Housing Limited to Coral India Housing Limited.

The company had acquired 12,500 sq. ft. of land valued at Rs 0.45 crore for its project Coral Gardens in Deolali, Nasik. It went into agreement with Kelani Builders & Developers for 435 sq. m. of prime land valued at Rs 0.19 crore for its project Coral Plaza in Chembur, Mumbai.

In FY07, the company started construction of the residential-cum-commercial project at Ghodbunder Road, Thane, Maharashtra.

The registered office of the company is located at Dalamal House, 4th Floor, Mumbai-400021.

Business area of the company:

The company is engaged in financial and construction activities.

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