Coral India Finance & Housing Ltd.
•₹ 34.531.23%
2026-08-21
PROS
- Solid return on assets for a lender - ROA of 8.2%
- Asset quality is healthy - gross NPA of just 0.0%
- Company generates healthy free cash flow
CONS
- Capital adequacy is tight at 0.0% - limited headroom to grow
- Thin net interest margin of 0.0%
- Growth is decelerating - 3Y profit CAGR (0.2%) trails the 5Y trend (16.9%)
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
EDIT COLUMNS| S.No. | Name | CMP Rs. | P/E | Mar Cap Rs.Cr. | Div Yld % | NP Qtr Rs.Cr. | Qtr Profit Var % | Sales Qtr Rs.Cr. | Qtr Sales Var % | ROCE % | OPM % |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1. | BAJFINANCE | 1078.60 | 33.07 | 671531.43 | 0.56 | 6080.60 | 27.60 | 23165.45 | 20.37 | 10.87 | 70.70 |
| 2. | SHRIRAMFIN | 1104.90 | 22.97 | 259981.15 | 0.98 | 3452.77 | 59.90 | 13400.43 | 17.46 | 11.49 | 74.63 |
| 3. | JIOFIN | 242.70 | 77.55 | 160258.25 | 0.25 | 830.25 | 155.73 | 2004.47 | 227.28 | 2.11 | 69.71 |
| 4. | CHOLAFIN | 1866.25 | 27.72 | 159390.07 | 0.11 | 1656.22 | 45.56 | 8856.29 | 21.89 | 9.70 | 70.07 |
| 5. | TATACAP | 365.15 | 28.68 | 155001.39 | 0.16 | 16281.80 | 1464.16 | 88219.30 | 1051.00 | 8.66 | 75.72 |
| 6. | BAJAJHLDNG | 11322.85 | 14.23 | 126015.97 | 1.72 | 2708.08 | -92.27 | 394.33 | 23.34 | 14.81 | 684.72 |
| 7. | MUTHOOTFIN | 2859.20 | 10.09 | 114787.87 | 1.05 | 2824.84 | 43.08 | 8671.60 | 36.25 | 15.87 | 83.76 |
| 8. | ABCAPITAL | 396.75 | 26.46 | 108592.29 | 0.00 | 1223.85 | 43.85 | 12179.54 | 137.84 | 8.82 | 41.91 |
| 9. | LTF | 315.00 | 24.80 | 78940.44 | 0.87 | 915.99 | 30.70 | 5212.92 | 22.38 | 8.54 | 62.13 |
| 10. | SBICARD | 626.30 | 0.00 | 59601.37 | 0.40 | 664.44 | 19.51 | 5040.55 | 7.60 | 11.75 | 29.83 |
| 11. | HDBFS | 681.15 | 26.00 | 56579.31 | 0.59 | 785.20 | 38.31 | 4937.90 | 18.71 | 9.09 | 57.98 |
| 12. | CORALFINAC | 33.95 | 0.00 | 136.83 | 0.59 | 4.41 | -8.23 | 3.72 | -18.76 | 10.48 | 76.40 |
Detailed Comparison with:
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
| 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 | — | — | — | — | — | — | — | — | — | — | — | — | — |
| OPM % | — | — | — | — | — | — | — | — | — | — | — | — | — |
| 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% |
| 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% |
Jun 2023
- 9
- 3
- Operating Profit
- —
- OPM %
- —
- Other Income
- 1
- Interest
- 0
- Depreciation
- 0
- 7
- Tax %
- 16.44%
- Net Profit
- 6
- 2
- Equity Capital
- 8
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 8
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Sep 2023
- 8
- 2
- Operating Profit
- —
- OPM %
- —
- Other Income
- -1
- Interest
- 0
- Depreciation
- 0
- 6
- Tax %
- 20.87%
- Net Profit
- 5
- 1
- Equity Capital
- 8
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 8
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Dec 2023
- 4
- 1
- Operating Profit
- —
- OPM %
- —
- Other Income
- 1
- Interest
- 0
- Depreciation
- 0
- 4
- Tax %
- 13.77%
- Net Profit
- 3
- 1
- Equity Capital
- 8
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 8
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Mar 2024
- 7
- 2
- Operating Profit
- —
- OPM %
- —
- Other Income
- 1
- Interest
- 0
- Depreciation
- 0
- 7
- Tax %
- -1.47%
- Net Profit
- 7
- 2
- Equity Capital
- 8
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 8
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Jun 2024
- 8
- 1
- Operating Profit
- —
- OPM %
- —
- Other Income
- 2
- Interest
- 0
- Depreciation
- 0
- 9
- Tax %
- 16.37%
- Net Profit
- 7
- 2
- Equity Capital
- 8
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 8
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Sep 2024
- 7
- 1
- Operating Profit
- —
- OPM %
- —
- Other Income
- 2
- Interest
- 0
- Depreciation
- 0
- 7
- Tax %
- 18.68%
- Net Profit
- 6
- 1
- Equity Capital
- 8
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 8
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Dec 2024
- 4
- 2
- Operating Profit
- —
- OPM %
- —
- Other Income
- 1
- Interest
- 0
- Depreciation
- 0
- 3
- Tax %
- 17.67%
- Net Profit
- 2
- 1
- Equity Capital
- 8
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 8
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Mar 2025
- 3
- 1
- Operating Profit
- —
- OPM %
- —
- Other Income
- 1
- Interest
- 0
- Depreciation
- 0
- 3
- Tax %
- 17.61%
- Net Profit
- 2
- 1
- Equity Capital
- 8
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 8
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Jun 2025
- 5
- 1
- Operating Profit
- —
- OPM %
- —
- Other Income
- 2
- Interest
- 0
- Depreciation
- 0
- 6
- Tax %
- 17.21%
- Net Profit
- 5
- 1
- Equity Capital
- 8
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 8
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Sep 2025
- 4
- 1
- Operating Profit
- —
- OPM %
- —
- Other Income
- 1
- Interest
- 0
- Depreciation
- 0
- 4
- Tax %
- 12.41%
- Net Profit
- 4
- 1
- Equity Capital
- 8
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 8
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Dec 2025
- 4
- 1
- Operating Profit
- —
- OPM %
- —
- Other Income
- 2
- Interest
- 0
- Depreciation
- 0
- 5
- Tax %
- 20.21%
- Net Profit
- 4
- 1
- Equity Capital
- 8
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 8
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Mar 2026
- 3
- 1
- Operating Profit
- —
- OPM %
- —
- Other Income
- 1
- Interest
- 0
- Depreciation
- 0
- 3
- Tax %
- 0.00%
- Net Profit
- 3
- 1
- Equity Capital
- 8
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 8
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Jun 2026
- 4
- 1
- Operating Profit
- —
- OPM %
- —
- Other Income
- 2
- Interest
- 0
- Depreciation
- 0
- 5
- Tax %
- 13.67%
- Net Profit
- 4
- 0
- Equity Capital
- 8
- Reserves
- 0
- Promoter Pledge %
- 0.00%
- Equity Capital
- 8
- Reserves
- 0
- Promoter Pledge %
- 0.00%
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 12 | 14 | 22 | 14 | 12 | 20 | 27 | 30 | 28 | 21 | 15 | |
| 4 | 3 | 6 | 4 | 3 | 5 | 6 | 8 | 7 | 5 | 3 | |
| Operating Profit | 8 | 10 | 17 | 10 | 10 | 16 | 22 | 22 | 24 | 21 | — |
| OPM % | 69 | 76 | 78 | 73 | 82 | 78 | 80 | 76 | 85 | 100 | — |
| Other Income | 0 | 0 | 1 | 0 | 1 | 1 | 0 | 1 | 3 | 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 |
| 8 | 10 | 17 | 10 | 10 | 16 | 22 | 22 | 24 | 21 | 17 | |
| Tax % | 19 | 19 | 21 | 20 | 17 | 17 | 21 | 18 | 12 | 17 | 13 |
| Net Profit | 6 | 8 | 13 | 8 | 8 | 13 | 17 | 18 | 21 | 17 | 14 |
| EPS | 0 | 0 | 0 | 0 | 0 | 3 | 4 | 5 | 5 | 4 | — |
| Dividend Payout % | 16 | 12 | 7 | 12 | 12 | 16 | 7 | 0 | 8 | 9 | — |
| 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 | 1 | 2 | 3 | 2 | 2 | 3 | 4 | 5 | 5 | 4 | — |
| 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 | 1 | 2 | 3 | 2 | 2 | 3 | 4 | 5 | 5 | 4 | — |
Mar 2016
- 12
- 4
- Operating Profit
- 8
- OPM %
- 69
- Other Income
- 0
- Interest
- 0
- Depreciation
- 0
- 8
- Tax %
- 19
- Net Profit
- 6
- EPS
- 0
- Dividend Payout %
- 16
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 1
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 1
Mar 2017
- 14
- 3
- Operating Profit
- 10
- OPM %
- 76
- Other Income
- 0
- Interest
- 0
- Depreciation
- 0
- 10
- Tax %
- 19
- Net Profit
- 8
- EPS
- 0
- Dividend Payout %
- 12
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 2
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 2
Mar 2018
- 22
- 6
- Operating Profit
- 17
- OPM %
- 78
- Other Income
- 1
- Interest
- 0
- Depreciation
- 0
- 17
- Tax %
- 21
- Net Profit
- 13
- EPS
- 0
- Dividend Payout %
- 7
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 3
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 3
Mar 2019
- 14
- 4
- Operating Profit
- 10
- OPM %
- 73
- Other Income
- 0
- Interest
- 0
- Depreciation
- 0
- 10
- Tax %
- 20
- Net Profit
- 8
- EPS
- 0
- Dividend Payout %
- 12
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 2
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 2
Mar 2020
- 12
- 3
- Operating Profit
- 10
- OPM %
- 82
- Other Income
- 1
- Interest
- 0
- Depreciation
- 0
- 10
- Tax %
- 17
- Net Profit
- 8
- EPS
- 0
- Dividend Payout %
- 12
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 2
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 2
Mar 2021
- 20
- 5
- Operating Profit
- 16
- OPM %
- 78
- Other Income
- 1
- Interest
- 0
- Depreciation
- 0
- 16
- Tax %
- 17
- Net Profit
- 13
- EPS
- 3
- Dividend Payout %
- 16
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 3
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 3
Mar 2022
- 27
- 6
- Operating Profit
- 22
- OPM %
- 80
- Other Income
- 0
- Interest
- 0
- Depreciation
- 0
- 22
- Tax %
- 21
- Net Profit
- 17
- EPS
- 4
- Dividend Payout %
- 7
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 4
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 4
Mar 2023
- 30
- 8
- Operating Profit
- 22
- OPM %
- 76
- Other Income
- 1
- Interest
- 0
- Depreciation
- 0
- 22
- Tax %
- 18
- Net Profit
- 18
- EPS
- 5
- Dividend Payout %
- 0
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 5
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 5
Mar 2024
- 28
- 7
- Operating Profit
- 24
- OPM %
- 85
- Other Income
- 3
- Interest
- 0
- Depreciation
- 0
- 24
- Tax %
- 12
- Net Profit
- 21
- EPS
- 5
- Dividend Payout %
- 8
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 5
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 5
Mar 2025
- 21
- 5
- Operating Profit
- 21
- OPM %
- 100
- Other Income
- 5
- Interest
- 0
- Depreciation
- 0
- 21
- Tax %
- 17
- Net Profit
- 17
- EPS
- 4
- Dividend Payout %
- 9
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 4
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- 4
TTM
- 15
- 3
- Operating Profit
- —
- OPM %
- —
- Other Income
- 5
- Interest
- 0
- Depreciation
- 0
- 17
- Tax %
- 13
- Net Profit
- 14
- EPS
- —
- Dividend Payout %
- —
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- —
- Minority Interest
- 0
- Share of Associates
- 0
- Adjusted EPS
- —
COMPOUNDED SALES GROWTH
- 10 Years:
- 3%
- 5 Years:
- 12%
- 3 Years:
- -8%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- 5%
- 5 Years:
- 17%
- 3 Years:
- 0%
STOCK PRICE CAGR
- 10 Years:
- 50%
- 5 Years:
- -2%
- 3 Years:
- -3%
- 1 Year:
- -23%
RETURN ON EQUITY
- 10 Years:
- 9%
- 5 Years:
- 11%
- 3 Years:
- 11%
- Last Year:
- 9%
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| LIABILITIES | - | - | - | - | - | - | - | - | - | - |
| Equity Capital | 10 | 10 | 10 | 10 | 10 | 8 | 8 | 8 | 8 | 8 |
| 67 | 135 | 134 | 118 | 107 | 119 | 134 | 142 | 175 | 213 | |
| Trade Payables | 0 | 1 | 1 | 0 | 0 | 1 | 0 | 0 | 0 | 0 |
| 12 | 5 | 5 | 5 | 8 | 7 | 11 | 14 | 10 | 13 | |
| Total Liabilities | 90 | 151 | 149 | 133 | 125 | 135 | 153 | 164 | 193 | 234 |
| ASSETS | - | - | - | - | - | - | - | - | - | - |
| 2 | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 1 | 1 | |
| Capital Work in Progress | 6 | 7 | 4 | 5 | 5 | 5 | 3 | 3 | 3 | 4 |
| 31 | 104 | 100 | 69 | 58 | 96 | 78 | 86 | 120 | 161 | |
| 12 | 12 | 13 | 13 | 12 | 11 | 15 | 10 | 7 | 6 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | |
| Cash & Bank | 5 | 4 | 5 | 4 | 5 | 3 | 4 | 16 | 16 | 16 |
| 33 | 23 | 26 | 41 | 43 | 19 | 51 | 49 | 45 | 45 | |
| Total Assets | 90 | 151 | 149 | 133 | 125 | 135 | 153 | 164 | 193 | 234 |
| Total Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Working Capital | 9 | 14 | 18 | 17 | 16 | 68 | 78 | 94 | 120 | 132 |
| Contingent Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Book Value per Share | 77.32 | 145.29 | 28.87 | 25.56 | 23.47 | 31.54 | 35.24 | 37.11 | 45.54 | 54.79 |
| Face Value | 10.00 | 10.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 |
| Total Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Working Capital | 9 | 14 | 18 | 17 | 16 | 68 | 78 | 94 | 120 | 132 |
| Contingent Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Book Value per Share | 77.32 | 145.29 | 28.87 | 25.56 | 23.47 | 31.54 | 35.24 | 37.11 | 45.54 | 54.79 |
| Face Value | 10.00 | 10.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 |
Mar 2016
- Equity Capital
- 10
- 67
- Trade Payables
- 0
- 12
- Total Liabilities
- 90
- 2
- Capital Work in Progress
- 6
- 31
- 12
- 0
- Cash & Bank
- 5
- 33
- Total Assets
- 90
- Total Debt
- 0
- Net Working Capital
- 9
- Contingent Liabilities
- 0
- Book Value per Share
- 77.32
- Face Value
- 10.00
- Total Debt
- 0
- Net Working Capital
- 9
- Contingent Liabilities
- 0
- Book Value per Share
- 77.32
- Face Value
- 10.00
Mar 2017
- Equity Capital
- 10
- 135
- Trade Payables
- 1
- 5
- Total Liabilities
- 151
- 2
- Capital Work in Progress
- 7
- 104
- 12
- 0
- Cash & Bank
- 4
- 23
- Total Assets
- 151
- Total Debt
- 0
- Net Working Capital
- 14
- Contingent Liabilities
- 0
- Book Value per Share
- 145.29
- Face Value
- 10.00
- Total Debt
- 0
- Net Working Capital
- 14
- Contingent Liabilities
- 0
- Book Value per Share
- 145.29
- Face Value
- 10.00
Mar 2018
- Equity Capital
- 10
- 134
- Trade Payables
- 1
- 5
- Total Liabilities
- 149
- 2
- Capital Work in Progress
- 4
- 100
- 13
- 0
- Cash & Bank
- 5
- 26
- Total Assets
- 149
- Total Debt
- 0
- Net Working Capital
- 18
- Contingent Liabilities
- 0
- Book Value per Share
- 28.87
- Face Value
- 2.00
- Total Debt
- 0
- Net Working Capital
- 18
- Contingent Liabilities
- 0
- Book Value per Share
- 28.87
- Face Value
- 2.00
Mar 2019
- Equity Capital
- 10
- 118
- Trade Payables
- 0
- 5
- Total Liabilities
- 133
- 2
- Capital Work in Progress
- 5
- 69
- 13
- 0
- Cash & Bank
- 4
- 41
- Total Assets
- 133
- Total Debt
- 0
- Net Working Capital
- 17
- Contingent Liabilities
- 0
- Book Value per Share
- 25.56
- Face Value
- 2.00
- Total Debt
- 0
- Net Working Capital
- 17
- Contingent Liabilities
- 0
- Book Value per Share
- 25.56
- Face Value
- 2.00
Mar 2020
- Equity Capital
- 10
- 107
- Trade Payables
- 0
- 8
- Total Liabilities
- 125
- 2
- Capital Work in Progress
- 5
- 58
- 12
- 0
- Cash & Bank
- 5
- 43
- Total Assets
- 125
- Total Debt
- 0
- Net Working Capital
- 16
- Contingent Liabilities
- 0
- Book Value per Share
- 23.47
- Face Value
- 2.00
- Total Debt
- 0
- Net Working Capital
- 16
- Contingent Liabilities
- 0
- Book Value per Share
- 23.47
- Face Value
- 2.00
Mar 2021
- Equity Capital
- 8
- 119
- Trade Payables
- 1
- 7
- Total Liabilities
- 135
- 2
- Capital Work in Progress
- 5
- 96
- 11
- 0
- Cash & Bank
- 3
- 19
- Total Assets
- 135
- Total Debt
- 0
- Net Working Capital
- 68
- Contingent Liabilities
- 0
- Book Value per Share
- 31.54
- Face Value
- 2.00
- Total Debt
- 0
- Net Working Capital
- 68
- Contingent Liabilities
- 0
- Book Value per Share
- 31.54
- Face Value
- 2.00
Mar 2022
- Equity Capital
- 8
- 134
- Trade Payables
- 0
- 11
- Total Liabilities
- 153
- 2
- Capital Work in Progress
- 3
- 78
- 15
- 0
- Cash & Bank
- 4
- 51
- Total Assets
- 153
- Total Debt
- 0
- Net Working Capital
- 78
- Contingent Liabilities
- 0
- Book Value per Share
- 35.24
- Face Value
- 2.00
- Total Debt
- 0
- Net Working Capital
- 78
- Contingent Liabilities
- 0
- Book Value per Share
- 35.24
- Face Value
- 2.00
Mar 2023
- Equity Capital
- 8
- 142
- Trade Payables
- 0
- 14
- Total Liabilities
- 164
- 1
- Capital Work in Progress
- 3
- 86
- 10
- 0
- Cash & Bank
- 16
- 49
- Total Assets
- 164
- Total Debt
- 0
- Net Working Capital
- 94
- Contingent Liabilities
- 0
- Book Value per Share
- 37.11
- Face Value
- 2.00
- Total Debt
- 0
- Net Working Capital
- 94
- Contingent Liabilities
- 0
- Book Value per Share
- 37.11
- Face Value
- 2.00
Mar 2024
- Equity Capital
- 8
- 175
- Trade Payables
- 0
- 10
- Total Liabilities
- 193
- 1
- Capital Work in Progress
- 3
- 120
- 7
- 1
- Cash & Bank
- 16
- 45
- Total Assets
- 193
- Total Debt
- 0
- Net Working Capital
- 120
- Contingent Liabilities
- 0
- Book Value per Share
- 45.54
- Face Value
- 2.00
- Total Debt
- 0
- Net Working Capital
- 120
- Contingent Liabilities
- 0
- Book Value per Share
- 45.54
- Face Value
- 2.00
Mar 2025
- Equity Capital
- 8
- 213
- Trade Payables
- 0
- 13
- Total Liabilities
- 234
- 1
- Capital Work in Progress
- 4
- 161
- 6
- 1
- Cash & Bank
- 16
- 45
- Total Assets
- 234
- Total Debt
- 0
- Net Working Capital
- 132
- Contingent Liabilities
- 0
- Book Value per Share
- 54.79
- Face Value
- 2.00
- Total Debt
- 0
- Net Working Capital
- 132
- Contingent Liabilities
- 0
- Book Value per Share
- 54.79
- Face Value
- 2.00
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| -1 | 3 | -1 | 5 | 8 | 4 | 2 | 22 | 5 | 19 | |
| Cash from Investing | -4 | -2 | 2 | -5 | -6 | 15 | 1 | -9 | -3 | -18 |
| Cash from Financing | -0 | -1 | -0 | -1 | -1 | -21 | -2 | -1 | -1 | -2 |
| -5 | -1 | 1 | -1 | 1 | -2 | 1 | 12 | 0 | -1 | |
| Free Cash Flow | -2 | 2 | -1 | 4 | 8 | 4 | 2 | 22 | 5 | 17 |
| OCF / Net Profit | -0.11 | 0.34 | -0.05 | 0.59 | 1.04 | 0.32 | 0.11 | 1.20 | 0.24 | 1.07 |
| Cumulative 5-Year FCF | 0 | 0 | 0 | 0 | 11 | 17 | 17 | 40 | 41 | 50 |
| OCF / Net Profit | -0.11 | 0.34 | -0.05 | 0.59 | 1.04 | 0.32 | 0.11 | 1.20 | 0.24 | 1.07 |
| Cumulative 5-Year FCF | 0 | 0 | 0 | 0 | 11 | 17 | 17 | 40 | 41 | 50 |
Mar 2016
- -1
- Cash from Investing
- -4
- Cash from Financing
- -0
- -5
- Free Cash Flow
- -2
- OCF / Net Profit
- -0.11
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- -0.11
- Cumulative 5-Year FCF
- 0
Mar 2017
- 3
- Cash from Investing
- -2
- Cash from Financing
- -1
- -1
- Free Cash Flow
- 2
- OCF / Net Profit
- 0.34
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- 0.34
- Cumulative 5-Year FCF
- 0
Mar 2018
- -1
- Cash from Investing
- 2
- Cash from Financing
- -0
- 1
- Free Cash Flow
- -1
- OCF / Net Profit
- -0.05
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- -0.05
- Cumulative 5-Year FCF
- 0
Mar 2019
- 5
- Cash from Investing
- -5
- Cash from Financing
- -1
- -1
- Free Cash Flow
- 4
- OCF / Net Profit
- 0.59
- Cumulative 5-Year FCF
- 0
- OCF / Net Profit
- 0.59
- Cumulative 5-Year FCF
- 0
Mar 2020
- 8
- Cash from Investing
- -6
- Cash from Financing
- -1
- 1
- Free Cash Flow
- 8
- OCF / Net Profit
- 1.04
- Cumulative 5-Year FCF
- 11
- OCF / Net Profit
- 1.04
- Cumulative 5-Year FCF
- 11
Mar 2021
- 4
- Cash from Investing
- 15
- Cash from Financing
- -21
- -2
- Free Cash Flow
- 4
- OCF / Net Profit
- 0.32
- Cumulative 5-Year FCF
- 17
- OCF / Net Profit
- 0.32
- Cumulative 5-Year FCF
- 17
Mar 2022
- 2
- Cash from Investing
- 1
- Cash from Financing
- -2
- 1
- Free Cash Flow
- 2
- OCF / Net Profit
- 0.11
- Cumulative 5-Year FCF
- 17
- OCF / Net Profit
- 0.11
- Cumulative 5-Year FCF
- 17
Mar 2023
- 22
- Cash from Investing
- -9
- Cash from Financing
- -1
- 12
- Free Cash Flow
- 22
- OCF / Net Profit
- 1.20
- Cumulative 5-Year FCF
- 40
- OCF / Net Profit
- 1.20
- Cumulative 5-Year FCF
- 40
Mar 2024
- 5
- Cash from Investing
- -3
- Cash from Financing
- -1
- 0
- Free Cash Flow
- 5
- OCF / Net Profit
- 0.24
- Cumulative 5-Year FCF
- 41
- OCF / Net Profit
- 0.24
- Cumulative 5-Year FCF
- 41
Mar 2025
- 19
- Cash from Investing
- -18
- Cash from Financing
- -2
- -1
- Free Cash Flow
- 17
- OCF / Net Profit
- 1.07
- Cumulative 5-Year FCF
- 50
- OCF / Net Profit
- 1.07
- Cumulative 5-Year FCF
- 50
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| PER SHARE | - | - | - | - | - | - | - | - | - | - |
| EPS (₹) | 6.36 | 8.13 | 2.70 | 1.65 | 1.61 | 3.22 | 4.31 | 4.55 | 5.15 | 4.34 |
| Book Value (₹) | 77.32 | 145.29 | 28.87 | 25.56 | 23.47 | 31.54 | 35.24 | 37.11 | 45.54 | 54.79 |
| Dividend per Share (₹) | 1.00 | 1.00 | 0.20 | 0.20 | 0.20 | 0.50 | 0.30 | 0.00 | 0.40 | 0.40 |
| Cash EPS (₹) | 1.32 | 1.67 | 2.74 | 1.68 | 1.63 | 3.25 | 4.33 | 4.57 | 5.17 | 4.36 |
| PROFITABILITY | - | - | - | - | - | - | - | - | - | - |
| Operating Margin % | 68.99% | 75.98% | 77.69% | 73.04% | 81.67% | 78.33% | 80.33% | 75.83% | 75.05% | 77.74% |
| Net Margin % | 53.94% | 59.85% | 61.05% | 57.83% | 66.58% | 64.23% | 63.17% | 62.00% | 75.02% | 82.66% |
| ROE % | 8.51% | 7.31% | 9.34% | 6.05% | 6.55% | 10.63% | 12.91% | 12.57% | 12.47% | 8.65% |
| ROCE % | 10.48% | 9.05% | 11.75% | 7.54% | 7.93% | 12.87% | 16.34% | 15.31% | 14.16% | 10.48% |
| 7.35% | 6.74% | 8.98% | 5.82% | 6.21% | 9.97% | 12.08% | 11.57% | 11.63% | 8.19% | |
| EFFICIENCY | - | - | - | - | - | - | - | - | - | - |
| Debtor Days | 10 | 17 | 12 | 23 | 45 | 35 | 19 | 9 | 6 | 10 |
| Inventory Days | 387 | 319 | 203 | 331 | 376 | 204 | 167 | 151 | 110 | 112 |
| Payable Days | 208 | 445 | 146 | 221 | 111 | 116 | 67 | 5 | 8 | 23 |
| 189 | -108 | 70 | 133 | 310 | 122 | 120 | 155 | 108 | 99 | |
| 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) | 1608.99x | 3055.50x | 3368.53x | 527.26x | 564.13x | 2014.35x | 1077.95x | 0.00x | 9069.77x | 0.00x |
| 2.08x | 5.78x | 15.30x | 26.90x | 6.40x | 19.89x | 19.39x | 20.21x | 37.81x | 34.26x | |
| GROWTH | - | - | - | - | - | - | - | - | - | - |
| Revenue Growth % | -27.28% | 15.28% | 62.96% | -35.67% | -15.32% | 67.80% | 36.17% | 7.46% | -6.32% | -23.56% |
| Operating Profit Growth % | -38.55% | 26.95% | 66.63% | -39.53% | -5.30% | 60.93% | 39.64% | 1.45% | 5.61% | -10.16% |
| Net Profit Growth % | -38.54% | 27.90% | 66.23% | -39.07% | -2.51% | 61.90% | 33.91% | 5.46% | 13.36% | -15.78% |
| 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 13.36% | -15.78% | |
| VALUATION | - | - | - | - | - | - | - | - | - | - |
| P/E (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 7.26x | 8.76x |
| P/B (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.82x | 0.69x |
| Dividend Yield % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 1.07% | 1.05% |
| 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 5.68x | 6.46x |
Mar 2016
- EPS (₹)
- 6.36
- Book Value (₹)
- 77.32
- Dividend per Share (₹)
- 1.00
- Cash EPS (₹)
- 1.32
- Operating Margin %
- 68.99%
- Net Margin %
- 53.94%
- ROE %
- 8.51%
- ROCE %
- 10.48%
- 7.35%
- Debtor Days
- 10
- Inventory Days
- 387
- Payable Days
- 208
- 189
- Debt to Equity (x)
- 0.00x
- Interest Coverage (x)
- 1608.99x
- 2.08x
- Revenue Growth %
- -27.28%
- Operating Profit Growth %
- -38.55%
- Net Profit Growth %
- -38.54%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2017
- EPS (₹)
- 8.13
- Book Value (₹)
- 145.29
- Dividend per Share (₹)
- 1.00
- Cash EPS (₹)
- 1.67
- Operating Margin %
- 75.98%
- Net Margin %
- 59.85%
- ROE %
- 7.31%
- ROCE %
- 9.05%
- 6.74%
- Debtor Days
- 17
- Inventory Days
- 319
- Payable Days
- 445
- -108
- Debt to Equity (x)
- 0.00x
- Interest Coverage (x)
- 3055.50x
- 5.78x
- Revenue Growth %
- 15.28%
- Operating Profit Growth %
- 26.95%
- Net Profit Growth %
- 27.90%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2018
- EPS (₹)
- 2.70
- Book Value (₹)
- 28.87
- Dividend per Share (₹)
- 0.20
- Cash EPS (₹)
- 2.74
- Operating Margin %
- 77.69%
- Net Margin %
- 61.05%
- ROE %
- 9.34%
- ROCE %
- 11.75%
- 8.98%
- Debtor Days
- 12
- Inventory Days
- 203
- Payable Days
- 146
- 70
- Debt to Equity (x)
- 0.00x
- Interest Coverage (x)
- 3368.53x
- 15.30x
- Revenue Growth %
- 62.96%
- Operating Profit Growth %
- 66.63%
- Net Profit Growth %
- 66.23%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2019
- EPS (₹)
- 1.65
- Book Value (₹)
- 25.56
- Dividend per Share (₹)
- 0.20
- Cash EPS (₹)
- 1.68
- Operating Margin %
- 73.04%
- Net Margin %
- 57.83%
- ROE %
- 6.05%
- ROCE %
- 7.54%
- 5.82%
- Debtor Days
- 23
- Inventory Days
- 331
- Payable Days
- 221
- 133
- Debt to Equity (x)
- 0.00x
- Interest Coverage (x)
- 527.26x
- 26.90x
- Revenue Growth %
- -35.67%
- Operating Profit Growth %
- -39.53%
- Net Profit Growth %
- -39.07%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2020
- EPS (₹)
- 1.61
- Book Value (₹)
- 23.47
- Dividend per Share (₹)
- 0.20
- Cash EPS (₹)
- 1.63
- Operating Margin %
- 81.67%
- Net Margin %
- 66.58%
- ROE %
- 6.55%
- ROCE %
- 7.93%
- 6.21%
- Debtor Days
- 45
- Inventory Days
- 376
- Payable Days
- 111
- 310
- Debt to Equity (x)
- 0.00x
- Interest Coverage (x)
- 564.13x
- 6.40x
- Revenue Growth %
- -15.32%
- Operating Profit Growth %
- -5.30%
- Net Profit Growth %
- -2.51%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2021
- EPS (₹)
- 3.22
- Book Value (₹)
- 31.54
- Dividend per Share (₹)
- 0.50
- Cash EPS (₹)
- 3.25
- Operating Margin %
- 78.33%
- Net Margin %
- 64.23%
- ROE %
- 10.63%
- ROCE %
- 12.87%
- 9.97%
- Debtor Days
- 35
- Inventory Days
- 204
- Payable Days
- 116
- 122
- Debt to Equity (x)
- 0.00x
- Interest Coverage (x)
- 2014.35x
- 19.89x
- Revenue Growth %
- 67.80%
- Operating Profit Growth %
- 60.93%
- Net Profit Growth %
- 61.90%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2022
- EPS (₹)
- 4.31
- Book Value (₹)
- 35.24
- Dividend per Share (₹)
- 0.30
- Cash EPS (₹)
- 4.33
- Operating Margin %
- 80.33%
- Net Margin %
- 63.17%
- ROE %
- 12.91%
- ROCE %
- 16.34%
- 12.08%
- Debtor Days
- 19
- Inventory Days
- 167
- Payable Days
- 67
- 120
- Debt to Equity (x)
- 0.00x
- Interest Coverage (x)
- 1077.95x
- 19.39x
- Revenue Growth %
- 36.17%
- Operating Profit Growth %
- 39.64%
- Net Profit Growth %
- 33.91%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2023
- EPS (₹)
- 4.55
- Book Value (₹)
- 37.11
- Dividend per Share (₹)
- 0.00
- Cash EPS (₹)
- 4.57
- Operating Margin %
- 75.83%
- Net Margin %
- 62.00%
- ROE %
- 12.57%
- ROCE %
- 15.31%
- 11.57%
- Debtor Days
- 9
- Inventory Days
- 151
- Payable Days
- 5
- 155
- Debt to Equity (x)
- 0.00x
- Interest Coverage (x)
- 0.00x
- 20.21x
- Revenue Growth %
- 7.46%
- Operating Profit Growth %
- 1.45%
- Net Profit Growth %
- 5.46%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Mar 2024
- EPS (₹)
- 5.15
- Book Value (₹)
- 45.54
- Dividend per Share (₹)
- 0.40
- Cash EPS (₹)
- 5.17
- Operating Margin %
- 75.05%
- Net Margin %
- 75.02%
- ROE %
- 12.47%
- ROCE %
- 14.16%
- 11.63%
- Debtor Days
- 6
- Inventory Days
- 110
- Payable Days
- 8
- 108
- Debt to Equity (x)
- 0.00x
- Interest Coverage (x)
- 9069.77x
- 37.81x
- Revenue Growth %
- -6.32%
- Operating Profit Growth %
- 5.61%
- Net Profit Growth %
- 13.36%
- 13.36%
- P/E (x)
- 7.26x
- P/B (x)
- 0.82x
- Dividend Yield %
- 1.07%
- 5.68x
Mar 2025
- EPS (₹)
- 4.34
- Book Value (₹)
- 54.79
- Dividend per Share (₹)
- 0.40
- Cash EPS (₹)
- 4.36
- Operating Margin %
- 77.74%
- Net Margin %
- 82.66%
- ROE %
- 8.65%
- ROCE %
- 10.48%
- 8.19%
- Debtor Days
- 10
- Inventory Days
- 112
- Payable Days
- 23
- 99
- Debt to Equity (x)
- 0.00x
- Interest Coverage (x)
- 0.00x
- 34.26x
- Revenue Growth %
- -23.56%
- Operating Profit Growth %
- -10.16%
- Net Profit Growth %
- -15.78%
- -15.78%
- P/E (x)
- 8.76x
- P/B (x)
- 0.69x
- Dividend Yield %
- 1.05%
- 6.46x
Documents
Announcements
- Shareholders meeting
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
- Copy of Newspaper Publication
2026-08-20 - Coral India Finance & Housing Limited has informed the Exchange about Copy of Newspaper Publication
Annual Reports
Credit Ratings
Nothing filed yet.
Concalls
Nothing filed yet.