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 | 1053.10 | 32.29 | 655655.25 | 0.57 | 6080.60 | 27.60 | 23165.45 | 20.37 | 10.87 | 70.70 |
| SHRIRAMFIN | 1059.70 | 22.03 | 249345.67 | 1.02 | 3452.77 | 59.90 | 13400.43 | 17.46 | 11.49 | 74.63 |
| TATACAP | 368.15 | 28.92 | 156274.85 | 0.15 | 16281.80 | 1464.16 | 88219.30 | 1051.00 | 8.66 | 75.72 |
| JIOFIN | 235.95 | 75.39 | 155801.13 | 0.25 | 830.25 | 155.73 | 2004.47 | 227.28 | 2.11 | 69.71 |
| CHOLAFIN | 1813.45 | 26.93 | 154880.60 | 0.11 | 1656.22 | 45.56 | 8856.29 | 21.89 | 9.70 | 70.07 |
| BAJAJHLDNG | 11342.45 | 14.25 | 126234.11 | 1.72 | 2708.08 | -92.27 | 394.33 | 23.34 | 14.81 | 684.72 |
| MUTHOOTFIN | 2905.00 | 10.25 | 116626.59 | 1.03 | 2824.84 | 43.08 | 8671.60 | 36.25 | 15.87 | 83.76 |
| ABCAPITAL | 394.80 | 26.33 | 108076.98 | 0.00 | 1223.85 | 43.85 | 12179.54 | 137.84 | 8.82 | 41.91 |
| LTF | 309.45 | 24.37 | 77559.08 | 0.89 | 915.99 | 30.70 | 5212.92 | 22.38 | 8.54 | 62.13 |
| SBICARD | 631.85 | 26.43 | 60129.57 | 0.40 | 664.44 | 19.51 | 5040.55 | 7.60 | 11.75 | 29.83 |
| HDBFS | 675.65 | 25.80 | 56130.63 | 0.59 | 785.20 | 38.31 | 4937.90 | 18.71 | 9.09 | 57.98 |
| CORALFINAC | 32.33 | 9.06 | 130.30 | 0.62 | 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% | 75.98% | 83.19% | 83.28% | 57.88% | 75.08% | 83.19% | 79.69% | 80.15% | 72.13% | 76.40% |
| Other Income | 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 |
| 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 |
| 2 | 1 | 1 | 2 | 2 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 0 | |
| Equity Capital | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 | 8 |
| Reserves | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Promoter Pledge % | 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% |
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 | 17 | 10 | 10 | 16 | 22 | 22 | 24 | 21 | 17 | — |
| OPM % | 76 | 78 | 73 | 82 | 78 | 80 | 76 | 85 | 100 | 112 | — |
| Other Income | 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 |
| 10 | 17 | 10 | 10 | 16 | 22 | 22 | 24 | 21 | 17 | 17 | |
| Tax % | 19 | 21 | 20 | 17 | 17 | 21 | 18 | 12 | 17 | 14 | 13 |
| Net Profit | 8 | 13 | 8 | 8 | 13 | 17 | 18 | 21 | 17 | 15 | 14 |
| EPS | 0 | 0 | 0 | 2 | 3 | 4 | 5 | 5 | 4 | 4 | — |
| Dividend Payout % | 12 | 7 | 12 | 12 | 16 | 7 | 0 | 8 | 9 | 5 | — |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share of Associates | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Adjusted EPS | 2 | 3 | 2 | 2 | 3 | 4 | 5 | 5 | 4 | 4 | — |
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:
- -7%
- 1 Year:
- -23%
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 | |
|---|---|---|---|---|---|---|---|---|---|---|
| LIABILITIES | - | - | - | - | - | - | - | - | - | - |
| Equity Capital | 10 | 10 | 10 | 10 | 8 | 8 | 8 | 8 | 8 | 8 |
| 135 | 134 | 118 | 107 | 119 | 134 | 142 | 175 | 213 | 199 | |
| Trade Payables | 1 | 1 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 |
| 5 | 5 | 5 | 8 | 7 | 11 | 14 | 10 | 13 | 16 | |
| Total Liabilities | 151 | 149 | 133 | 125 | 135 | 153 | 164 | 193 | 234 | 223 |
| ASSETS | - | - | - | - | - | - | - | - | - | - |
| 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 |
| Total Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Working Capital | 14 | 18 | 17 | 16 | 68 | 78 | 94 | 120 | 131 | 144 |
| Contingent Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Book Value per Share | 145.29 | 28.87 | 25.56 | 23.47 | 31.54 | 35.24 | 37.11 | 45.54 | 54.79 | 51.40 |
| Face Value | 10.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|
| 3 | -1 | 5 | 8 | 4 | 2 | 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 | |
| Free Cash Flow | 2 | -1 | 4 | 8 | 4 | 2 | 22 | 5 | 17 | 15 |
| OCF / Net Profit | 0.34 | -0.05 | 0.59 | 1.04 | 0.32 | 0.11 | 1.20 | 0.24 | 1.07 | 1.11 |
| Cumulative 5-Year FCF | 0 | 0 | 0 | 0 | 17 | 17 | 40 | 41 | 50 | 61 |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|
| PER SHARE | ||||||||||
| EPS (₹) | 8.13 | 2.70 | 1.65 | 1.61 | 3.22 | 4.31 | 4.55 | 5.15 | 4.34 | 3.67 |
| Book Value (₹) | 145.29 | 28.87 | 25.56 | 23.47 | 31.54 | 35.24 | 37.11 | 45.54 | 54.79 | 51.40 |
| Dividend per Share (₹) | 1.00 | 0.20 | 0.20 | 0.20 | 0.50 | 0.30 | 0.00 | 0.40 | 0.40 | 0.20 |
| Cash EPS (₹) | 1.67 | 2.74 | 1.68 | 1.63 | 3.25 | 4.33 | 4.57 | 5.17 | 4.36 | 3.68 |
| PROFITABILITY | ||||||||||
| Operating Margin % | 75.98% | 77.69% | 73.04% | 71.53% | 78.33% | 80.33% | 75.83% | 75.05% | 77.74% | 79.37% |
| Net Margin % | 59.85% | 61.05% | 57.83% | 66.58% | 64.23% | 63.17% | 62.00% | 75.02% | 82.66% | 96.04% |
| ROE % | 7.31% | 9.34% | 6.05% | 6.55% | 10.63% | 12.91% | 12.57% | 12.47% | 8.65% | 6.91% |
| ROCE % | 9.05% | 11.75% | 7.54% | 7.93% | 12.87% | 16.34% | 15.31% | 14.16% | 10.48% | 8.06% |
| 6.74% | 8.98% | 5.82% | 6.21% | 9.97% | 12.08% | 11.57% | 11.63% | 8.19% | 6.47% | |
| EFFICIENCY | ||||||||||
| Debtor Days | 17 | 12 | 23 | 45 | 35 | 19 | 9 | 6 | 6 | 3 |
| Inventory Days | 319 | 203 | 331 | 376 | 204 | 167 | 151 | 110 | 112 | 145 |
| Payable Days | 445 | 146 | 221 | 111 | 116 | 67 | 5 | 8 | 23 | 0 |
| -108 | 70 | 133 | 310 | 122 | 120 | 155 | 108 | 94 | 148 | |
| FINANCIAL HEALTH | ||||||||||
| Debt to Equity (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x |
| Interest Coverage (x) | 3055.50x | 3368.53x | 527.26x | 564.13x | 2014.35x | 1077.95x | 0.00x | 9069.77x | 0.00x | 1473.95x |
| 5.78x | 15.30x | 26.90x | 6.40x | 19.89x | 19.39x | 20.21x | 37.81x | 34.13x | 45.49x | |
| GROWTH | ||||||||||
| Revenue Growth % | 15.28% | 62.96% | -35.67% | -15.32% | 67.80% | 36.17% | 7.46% | -6.32% | -23.56% | -27.24% |
| Operating Profit Growth % | 26.95% | 66.63% | -39.53% | -5.30% | 60.93% | 39.64% | 1.45% | 5.61% | -10.16% | -18.59% |
| Net Profit Growth % | 27.90% | 66.23% | -39.07% | -2.51% | 61.90% | 33.91% | 5.46% | 13.36% | -15.78% | -15.46% |
| 0.00% | 0.00% | 0.00% | -2.51% | 0.00% | 0.00% | 0.00% | 13.36% | -15.78% | -15.46% | |
| VALUATION | ||||||||||
| P/E (x) | 0.00x | 0.00x | 0.00x | 7.97x | 0.00x | 0.00x | 0.00x | 7.26x | 8.76x | 7.04x |
| P/B (x) | 0.00x | 0.00x | 0.00x | 0.55x | 0.00x | 0.00x | 0.00x | 0.82x | 0.69x | 0.50x |
| Dividend Yield % | 0.00% | 0.00% | 0.00% | 1.56% | 0.00% | 0.00% | 0.00% | 1.07% | 1.05% | 0.77% |
| 0.00x | 0.00x | 0.00x | 6.02x | 0.00x | 0.00x | 0.00x | 5.68x | 6.46x | 4.88x |
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
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
2026-07-06 - Coral India Finance & Housing Limited has informed the Exchange about Copy of Newspaper Publication
News
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