Coral India Finance & Housing Ltd.
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ABOUT
KEY POINTS
Revenue Breakup Mar 2026 • Investment: 100.0%
AI Sector View
AI GENERATEDFinancial Services
Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.
PROS
- Solid return on assets for a lender - ROA of 6.5%
- Operating margins have improved to 79.4% from 75.8%
- Company generates healthy free cash flow
CONS
- A large part of profit comes from other income (29.5% of PBT)
- Company has a low return on capital employed of 10.9%
- Company has a low return on equity of 9.3% over last 3 years
- Company's sales have been declining over the last five years
- Company has delivered a poor profit growth of 2.7% over past five years
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCE | 1034.20 | 31.71 | 643888.19 | 0.58 | 6080.60 | 27.60 | 23165.45 | 20.37 | 10.87 | 70.70 |
| SHRIRAMFIN | 1028.00 | 21.37 | 241893.03 | 1.05 | 3452.77 | 59.90 | 13400.43 | 17.46 | 11.49 | 74.63 |
| CHOLAFIN | 1845.00 | 27.40 | 157575.18 | 0.11 | 1656.22 | 45.56 | 8856.29 | 21.89 | 9.70 | 70.07 |
| TATACAP | 362.80 | 28.50 | 154003.85 | 0.16 | 16281.80 | 1464.16 | 88219.30 | 1051.00 | 8.66 | 75.72 |
| JIOFIN | 230.00 | 73.49 | 151872.26 | 0.26 | 8302.50 | 2457.29 | 20044.70 | 3172.82 | 2.11 | 69.71 |
| BAJAJHLDNG | 11120.70 | 13.97 | 123766.17 | 1.75 | 2708.08 | -92.27 | 394.33 | 23.34 | 14.81 | 684.72 |
| MUTHOOTFIN | 2794.40 | 9.86 | 112186.35 | 1.07 | 2824.84 | 43.08 | 8671.60 | 36.25 | 15.87 | 83.76 |
| ABCAPITAL | 398.60 | 26.59 | 109118.68 | 0.00 | 1223.85 | 43.85 | 12179.54 | 137.84 | 8.82 | 41.91 |
| LTF | 309.50 | 24.37 | 77571.61 | 0.89 | 915.99 | 30.70 | 5212.92 | 22.38 | 8.54 | 62.13 |
| SBICARD | 656.05 | 27.44 | 62432.55 | 0.38 | 664.44 | 19.51 | 5040.55 | 7.60 | 11.75 | 29.83 |
| HDBFS | 668.65 | 25.53 | 55549.10 | 0.60 | 785.20 | 38.31 | 4937.90 | 18.71 | 9.09 | 57.98 |
| CORALFINAC | 31.81 | 8.91 | 128.20 | 0.63 | 4.41 | -8.23 | 3.72 | -18.76 | 8.06 | 76.40 |
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
| 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 9 | 8 | 4 | 7 | 8 | 7 | 4 | 3 | 5 | 4 | 4 | 3 | 4 | |
| 3 | 2 | 1 | 2 | 1 | 1 | 2 | 1 | 1 | 1 | 1 | 1 | 1 | |
| Operating Profit | 6 | 7 | 3 | 5 | 7 | 5 | 2 | 2 | 4 | 3 | 3 | 2 | 3 |
| OPM % | 69.39% | 79.15% | 77.14% | 76.12% | 83.19% | 83.28% | 57.88% | 75.41% | 82.97% | 79.69% | 80.41% | 72.13% | 75.97% |
| 1 | -1 | 1 | 1 | 2 | 2 | 1 | 1 | 2 | 1 | 2 | 1 | 2 | |
| 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 | 7 | 6 | 4 | 7 | 9 | 7 | 3 | 3 | 6 | 4 | 5 | 3 | 5 |
| Tax % | 16.44% | 20.87% | 13.77% | -1.47% | 16.37% | 18.68% | 17.67% | 17.61% | 17.21% | 12.41% | 20.21% | 0.00% | 13.67% |
| Net Profit | 6 | 5 | 3 | 7 | 7 | 6 | 2 | 2 | 5 | 4 | 4 | 3 | 4 |
| 1.54 | 1.13 | 0.78 | 1.71 | 1.77 | 1.40 | 0.58 | 0.58 | 1.19 | 0.88 | 0.93 | 0.67 | 1.10 |
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 14 | 22 | 14 | 12 | 20 | 27 | 30 | 28 | 21 | 15 | 15 | |
| 3 | 6 | 4 | 3 | 5 | 6 | 8 | 7 | 5 | 3 | 3 | |
| Operating Profit | 10 | 16 | 10 | 9 | 15 | 22 | 21 | 21 | 16 | 12 | 11 |
| OPM % | 75.87% | 73.65% | 70.68% | 71.53% | 75.17% | 79.88% | 72.10% | 75.05% | 77.74% | 79.37% | 77.35% |
| 0 | 1 | 0 | 1 | 1 | 0 | 1 | 3 | 5 | 5 | 5 | |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before Tax | 10 | 17 | 10 | 10 | 16 | 22 | 22 | 24 | 21 | 17 | 17 |
| Tax % | 19.38% | 20.54% | 19.52% | 17.28% | 17.40% | 20.93% | 17.91% | 11.92% | 17.45% | 14.20% | 13.00% |
| Net Profit | 8 | 13 | 8 | 8 | 13 | 17 | 18 | 21 | 17 | 15 | 14 |
| EPS | 0.00 | 0.00 | 0.00 | 1.61 | 3.22 | 4.31 | 4.55 | 5.15 | 4.34 | 3.67 | — |
| Dividend Payout % | 12.30% | 7.40% | 12.14% | 12.45% | 15.53% | 6.96% | 0.00% | 7.76% | 9.22% | 5.45% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- 3%
- 5 Years:
- -5%
- 3 Years:
- -20%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- 9%
- 5 Years:
- 3%
- 3 Years:
- -7%
STOCK PRICE CAGR
- 10 Years:
- 49%
- 5 Years:
- -4%
- 3 Years:
- -6%
- 1 Year:
- -27%
RETURN ON EQUITY
- 10 Years:
- 9%
- 5 Years:
- 11%
- 3 Years:
- 9%
- Last Year:
- 7%
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| 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 | 8 | 8 | 8 | 8 | 8 | 8 |
| 135 | 134 | 118 | 107 | 119 | 134 | 142 | 175 | 213 | 199 | |
| 3 | 4 | 5 | 5 | 4 | 3 | 3 | 3 | 3 | 3 | |
| Trade Payables | 1 | 1 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 |
| 2 | 1 | 1 | 3 | 3 | 7 | 12 | 6 | 10 | 13 | |
| Total Liabilities | 151 | 149 | 133 | 125 | 135 | 153 | 164 | 193 | 234 | 223 |
| 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 | |
| Capital Work in Progress | 7 | 4 | 5 | 5 | 5 | 3 | 3 | 3 | 4 | 6 |
| 104 | 100 | 69 | 58 | 96 | 78 | 86 | 120 | 161 | 145 | |
| 12 | 13 | 13 | 12 | 11 | 15 | 10 | 7 | 6 | 6 | |
| 0 | 0 | 0 | 2 | 0 | 0 | 0 | 1 | 0 | 0 | |
| Cash & Bank | 4 | 5 | 4 | 5 | 3 | 4 | 16 | 16 | 16 | 20 |
| 23 | 26 | 41 | 41 | 19 | 51 | 49 | 45 | 46 | 45 | |
| Total Assets | 151 | 149 | 133 | 125 | 135 | 153 | 164 | 193 | 234 | 223 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| 5 | 3 | 7 | 8 | 4 | 3 | 22 | 5 | 19 | 16 | |
| Cash from Investing | -2 | 2 | -5 | -6 | 15 | 1 | -9 | -3 | -18 | -11 |
| Cash from Financing | -1 | -0 | -1 | -1 | -21 | -2 | -1 | -1 | -2 | -2 |
| -1 | 1 | -1 | 1 | -2 | 1 | 12 | 0 | -1 | 4 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-09-11 - Coral India Finance & Housing Limited has informed the Exchange regarding Proceedings of Annual General Meeting held on September 11, 2026. Further, the company has submitted the Exchange a copy of Srutinizers report along with voting results.
2026-08-21 - Coral India Finance & Housing Limited has informed the Exchange about Copy of Newspaper Publication
2026-08-20 - Coral India Finance & Housing Limited has informed the Exchange regarding Notice of Annual General Meeting to be held on September 11, 2026
2026-08-20 - Coral India Finance & Housing Limited has informed the Exchange about Copy of Newspaper Publication
2026-08-20 - Coral India Finance & Housing Limited has informed the Exchange about Copy of Newspaper Publication
2026-08-12 - Coral India Finance & Housing Limited has informed the Exchange that Record date for the purpose of Dividend is 28-Aug-2026.
2026-08-12 - Coral India Finance & Housing Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.
2026-08-12 - Coral India Finance & Housing Limited has informed the Exchange about General Updates
2026-07-13 - Coral India Finance & Housing Limited has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018
News
Recent coverage and analyst commentary for CORALFINAC
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