CORALFINACServices

Coral India Finance & Housing Limited

Diversified Commercial Services · ISIN INE558D01021 · BSE 531556 · NSE EQ · FV ₹2
Last price
₹32
-0.15%today
What this company does

Coral India Finance & Housing Limited operates in Diversified Commercial Services, part of the Services sector. It booked ₹4 cr of revenue in its latest quarter (Q1 FY27) and kept 118.6% of sales as profit.

The Company is primarily engaged in two segments viz, Construction, development & maintenance of properties and 1.2.
In the report:
73out of 100
Equitytale Health Score
Solid

Healthier than 73% of companies in Services, on all six measures of filed financials. Each measure is ranked against the 50–116 companies that reported it.

Measures financial condition, not whether to buy. Learn what this score means · How this is calculated

Price momentum
neutral
RSI (14)
46

At close. Not part of the score.

Profitability & returns54

How much profit it earns on the money it employs

Balance sheet100

How much it owes, and whether earnings cover the interest · highest in its sector on what we could measure

Cash quality73

Whether reported profit actually arrives as cash

Growth & consistency36

Whether sales and profit have grown, and how steadily

Valuation87

What today's price implies, against our models or its peers

Governance & risk100

How much of the promoters' stake is pledged, and how much they hold · highest in its sector on what we could measure

Is this company doing well?
not investment advice
Strengths
Makes a profit
Strong 119% net margin
Promoters hold 75%
No promoter shares pledged
Virtually debt-free
Turns profit into real cash
Watch-outs
! Sales down 19% vs last year
! Profit down 8% vs last year

What if I invest in CORALFINAC?

Set a growth rate and see what a monthly SIP would add up to. Your assumption, our arithmetic.

You would put in
₹12.00 lakh
120 instalments
At 15% a year, it would become
₹26.30 lakh

The slider starts at 15%, taken from this company's own free-cash-flow trend. That is history, not a forecast — this is your assumption, and the figure above is arithmetic on it. Returns are not steady year to year, and a real holding would not grow in a straight line. We do not publish price targets or predict returns.

Key ratios · latest quarter + price
₹32 -0.15%
latest close · 2026-09-17
1-year return
-18.7%
52-wk low ₹3052-wk high ₹56
Is it cheap or expensive?
What you pay for the profits, book value and cash flow. Higher isn't automatically worse — it can signal faster growth.
P/E ratio7.4Low
LowAverageHigh
P/B ratio0.63Below book
Below bookModerateHigh
EV / EBITDA6.2Low
LowAverageHigh
How good is the business?
How much profit it earns from its money and its sales.
Return on equity8.5%Fair
WeakFairStrong ▸15%
Return on capital9.3%Fair
WeakFairStrong
Net margin118.6%Strong
ThinDecentStrong
EBITDA margin137.8%Healthy
ThinDecentHealthy
Is it financially safe?
How much it owes, and whether it can comfortably cover it.
Debt to equity0.00Comfortable
LowModerateHigh ▸1
Current ratio45.49Ample
Tight ◂1HealthyAmple
More figures
Market cap
₹130 cr
Book value
₹51
EPS
₹1.10
latest quarter
Net debt
₹-4 cr
more cash than debt
Enterprise value
₹127 cr
EBITDA
₹21 cr
annualised
EBIT
₹20 cr
annualised
Operating margin
137.4%
Return on assets
7.9%
Earnings yield
13.60%
P/S
8.76
Sales / share
₹3.7
Tax rate
13.7%
Face value
₹2
Shares
4.0 cr
Working capital
₹144 cr
Current assets
₹147 cr
Current liabilities
₹3 cr
Delivery %
53.6%
Strong / safeFairWeak / riskyValuation — a level, not good/badBands are general rules of thumb, not advice.

P/E, ROE, ROCE and margins are annualised from the latest quarter; per-share and balance-sheet ratios use the most recent balance sheet on file · prices as of 2026-09-17.

Worth vs price · from the FY 2025 report & filings
not investment advice
Hard to value confidentlyLow confidence
It earns about 9% on its capital — below the ~14% return we'd require to fund it — so a low price is likely justified, not a bargain.
Models span ₹54₹70, midpoint ₹62

An educational model from the company's own filings, every assumption shown — not investment advice or a price target. Prices can stay above or below any model for years.

P&L · Q1 FY27 (consolidated)
Revenue from Operations₹4 cr
Other Income₹2 cr
Total Income₹6 cr
Cost of Materials₹0 cr
Purchases of Stock-in-Trade₹0 cr
Employee Benefit Expense₹22.6 L
Finance Costs₹0 cr
Depreciation & Amortisation₹1.6 L
Other Expenses₹65.2 L
Total Expenses₹89.4 L
Profit before Tax₹5 cr
Tax Expense₹69.9 L
Net Profit₹4 cr
Net margin on total income73.5%
Where the money goes · Q1 FY27
% of total income
Employee benefit expense₹22.6 L3.8%
Depreciation & amortisation₹1.6 L0.3%
Other expenses₹65.2 L10.9%
Tax expense₹69.9 L11.6%
Profit for the period₹4 cr73.5%
Total income ₹6 cradds up to ₹100 ✓
Quarterly results · consolidated (₹ cr)
MetricQ3 FY26Q4 FY26Q1 FY27
Revenue4 cr3 cr4 cr
Total income5 cr4 cr6 cr
Expenses78.9 L87.1 L89.4 L
Profit before tax5 cr3 cr5 cr
Tax94.9 L0.02 L69.9 L
Net profit (owners' share)4 cr3 cr4 cr
Net margin (owners' share, on revenue)95.6%88.3%118.6%
EPS (₹)0.930.671.10
YoY (latest quarter): total income -9.1% · net profit -8.3%
Balance sheet & cash flow · as of Mar 2026
Debt-free
Total assets
₹223 cr
Shareholder equity
₹207 cr
parent shareholders
Total debt
₹0 cr
Cash
₹4 cr
Cash flow · H1 FY26
Operating
₹10 cr
Investing
₹-6 cr
Financing
₹-0.03 L
Peer comparison
Diversified Commercial Services · by market value
CompanyPriceMarket capP/E
International Gemological Institute Limited₹315₹13,591 cr20.5
WeWork India Management Limited₹683₹9,464 cr
Nesco Limited₹1,082₹7,619 cr19.1
Inox Green Energy Services Limited₹175₹7,012 cr43.2
Indiabulls Limited₹30₹6,637 cr11.6
Bluspring Enterprises Limited₹124₹6,520 cr
Smartworks Coworking Spaces Limited₹520₹5,941 cr113.0
LEAP India Limited₹136₹5,619 cr56.8
Quess Corp Limited₹353₹5,272 cr16.0
Same industry · latest reported numbers · not a recommendation.
Corporate actions
Dividend yield
0.62%
trailing 12 months
Dividend / share (TTM)
₹0.2
Last dividend
₹0.2
ex 28 Aug 2026
ActionDetailEx-date
Dividend₹0.2 / share28 Aug 2026
Dividend₹0.4 / share12 Sep 2025
Dividend₹0.4 / share20 Aug 2024
Dividend₹0.3 / share7 Jul 2023
Dividend₹0.3 / share20 Jul 2022
Dividend₹0.5 / share18 Aug 2021
Who owns it · 2026-06-30
No pledge
Promoter
75.0%
FII / Foreign
0.7%
DII / Domestic
Retail / others
24.4%
Smart-money activity
Insider trades
SoldNAVIN BACHUBHAI DOSHI · Promoters18.67 L · ₹6.6 cr10 Jun 21
SoldSACHIN NAVIN DOSHI · Promoters50.00 L · ₹8.5 cr18 Jun 20
SoldCHETAN NAVINCHANDRA DOSHI · Immediate relative59.54 L · ₹1.2 cr31 Aug 17
Bulk / block deals
SoldORION STOCKS LTD · NSE2.08 L @ ₹34.624 Aug 26
BoughtORION STOCKS LTD · NSE23,670 @ ₹35.2624 Aug 26
BoughtIRAGE BROKING SERVICES LLP · NSE2.04 L @ ₹34.6324 Aug 26
Stake changes
SoldNavin Bachubhai Doshi · promoter→ 24.30% · 18.67 L11 Jun 21
BoughtCoral Laboratories Limited · promoter→ 16.12%18 Jun 20
SoldSachin Navinchandra Doshi · promoter→ 11.58% · 50.00 L18 Jun 20
What shareholders were asked to approve

A company cannot decide everything on its own. Things like a top executive’s pay, issuing new shares, or re-appointing a director have to be put to the people who own the company, and they vote — one vote per share. So whoever owns the most shares has the most say.

Yearly shareholder meeting · 11 Sep 2026
See the official result
1
To receive, consider and adopt the Audited Financial Statements of the Company as at March 31, 2026 together with the Report of Board of Directors and the Auditors thereon.
Backed by 99% of shareholders other than promotersneeded 50%
1.41 L votes for, 2,073 against · 0% of mutual funds and other big investors said no
2
To declare dividend on equity shares for the financial year ended March 31, 2026 @ 10% on face value of ₹ 2/- each i.e. 20 paise per equity share
Backed by 99% of shareholders other than promotersneeded 50%
1.41 L votes for, 2,073 against · 0% of mutual funds and other big investors said no
3
Re-appointment of Mrs. Meeta Sheth as a Director, liable to retire by rotation
Backed by 99% of shareholders other than promotersneeded 50%
1.41 L votes for, 2,137 against · 0% of mutual funds and other big investors said no

Every vote count above is taken from the result the company filed with the stock exchange, certified by an independent counter. To work out what would have happened without the promoters, we simply remove their votes and re-apply the same legal bar the proposal had to clear. Nothing here is an estimate or an opinion.

Who controls this company, and what it pays them

Most Indian companies are controlled by a family or group — the promoters. The exchange requires them to be listed by name, including members who own no shares at all, and requires the company to disclose any business it does with them.

The promoter group — 6 named members
owning 75.0% between them · as of 2026-06-30
Navin Bachubhai Doshi24.30%
Kundan Navinchandra Doshi22.53%
Coral Laboratories Limited16.12%
Sachin Navinchandra Doshi11.58%
Meeta Samir Sheth0.43%
Chetan Navinchandra Doshino shares

Names and holdings from the company’s shareholding pattern filed with the exchange; transactions from the related-party note in its annual report. Every figure is as filed — these are legal, disclosed dealings, and what to make of them is your call.

How the stock has moved · adjusted for splits & bonuses
Data from primary exchange filings · analysis tool, not investment advice.