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Coral India Finance & Housing Limited (CORALFINAC)

Small Cap

Financial Services stocks · Small cap · NSE

Coral India Finance & Housing Limited operates in Housing Finance, within the Financial Services sector. Use the latest filing and company disclosures below to verify its revenue mix and current business drivers.

₹30.8
-0.54 · -1.72%
Market cap ₹126 Cr
Data qualityFresh enough for analysisQuote updated 19 Oct, 03:31 pm IST
Details
Quote19 Oct, 03:31 pm IST
Base fundamentals05 Oct 2026 · screener
Latest result12 Aug, 05:16 pm IST
Score20 Oct, 04:30 am IST · v4.3-runtime-valuation
Tags03 May 2026
Coverage13/14 · 93%
Valuation2026-07-20 · Rf 6.8% · Financial Services P/E 17.0 (n=243)
Technical timing lens

Trend score and candlestick chart

34Bearish

full bear SMA stack · SMA20 -5.2% / mo · MACD +

Stock trend: 27
Sector RS: 44
Sector 3M: -5.8% vs Nifty 500 -5.6%

Latest mapped FPI equity flow was not positive. View sector evidence

Technical chart

CORALFINACD candles · FIT view-11.0%
Latest close ₹30.80 on 2026-10-19
Bar
-2.2%
RSI
44
MACD hist
0.05
52W pos
27%
Visible chart range
Candle interval
2026-10-19O ₹31.50H ₹31.75L ₹30.62C ₹30.80Vol 2,781 sh
₹29.60₹31.69₹33.79₹35.89₹37.98₹30.802026-032026-06VolRSIMACD2026-042026-062026-082026-092026-11
Up bar
Down bar
EMA 20
EMA 50
Volume + 20D avg
Result date
RSI(14)
MACD / signal
Market context

Relative performance and chart statistics

Adjusted completed-session prices, rebased to 100

CORALFINACNifty Financial ServicesNifty 500
-9%-2%+6%+13%20 Jul1 Sept19 Oct19 Oct 2026CORALFINAC -1.3%Nifty Financial Servi… -6.0%Nifty 500 -5.6%
CORALFINAC
-1.3%
Nifty 500
-5.6%
Nifty Financial Services
-6.0%
Vs Nifty 500
+4.2 pp
Chart stats
19 Oct 2026
From 52W high
-33.8%
₹46.5
52W range position
27%
₹25 - ₹46.5
ATR (14)
4.5%
₹1.4
Volume vs 20D
0.11x
Latest completed session
Avg traded value
₹0.1 Cr
20-session average
20D price channel
₹30 - ₹33.5
30.8% annualized volatility
Research snapshot

What the evidence says now

Mixed fundamentals, management evidence is still limited to a financial-only Trust Lite signal, price trend argues for patience, and recent execution is weak.

Suggested next step
Check latest quarters
Result consistency is weak; verify whether the thesis is improving or deteriorating.
U-Score
Legacy · FAIR VALUE
46

Fundamental lens: valuation, quality, growth, balance sheet, and cash flow.

Latest result
Bad
0

Revenue -18.8% · PAT -8.3% YoY

Technical
Bearish
34

Price trend and sector-relative-strength timing.

Valuation
Legacy model
+11.8%

Legacy margin-of-safety estimate; the revised evidence label remains in shadow validation.

Trust
Limited evidence
66

Financial-only signal; management claim evidence is not sufficient yet.

Financials

Fundamentals, quarterly history, margins, returns and balance-sheet evidence

Latest result

Quarter ended 30 Jun 2026

Bad · 0/100

Rev -19% YoY · PAT -8% YoY · margin compression · +22% QoQ · operating leverage

Filed 12 Aug 2026
Open results browser →
MetricThis quarterYoYQoQ
Revenue₹3.7 Cr-18.8%+22.0%
EBITDA₹2.8 Cr-25.5%+29.1%
Operating margin76.3%-685 bps+421 bps
PAT₹4.4 Cr-8.3%+63.9%
PAT margin118.5%+1353 bps+3035 bps

NDF means not disclosed in the current structured filing feed. It is intentionally not treated as zero.

Fundamentals

Valuation

P/E
8.76
P/B
0.61
EV/EBITDA
11.45
Market Cap
126.00Cr

Profitability

ROE
6.91%
ROCE
8.06%
ROA
6.28%
Dividend Y
0.64%

Growth (CAGR)

Revenue 5Y
1.00%
EPS 5Y
3.00%
Revenue 3Y
-13.00%
EPS 3Y
-7.00%

Balance Sheet

Debt/Equity
0.00
Interest Coverage
—
Altman Z
6.54
Book Value
51.40

Cash Flow

FCF Yield
3.97%
FCF Positive Y
10/5
OCF
16.00 Cr
EPS TTM
3.57

Shareholding

Promoter Hold
74.96%
Promoter Pledge
0.00%
Momentum 52W
28%

Financial History

Updated 20/10/2026

Revenue

₹ Cr
Latest: 3.7+22.0% vs prev
08.3Sep 2023: 8.3Dec 2023: 3.5Mar 2024: 7.1Jun 2024: 7.9Sep 2024: 6.5Dec 2024: 3.7Mar 2025: 3.0Jun 2025: 4.6Sep 2025: 3.8Dec 2025: 3.9Mar 2026: 3.0Jun 2026: 3.7Q2 23Q3 23FY24Q1 24Q2 24Q3 24FY25Q1 25Q2 25Q3 25FY26Q1 26

Net Profit

₹ Cr
Latest: 4.4+63.9% vs prev
07.2Sep 2023: 4.5Dec 2023: 3.1Mar 2024: 6.9Jun 2024: 7.2Sep 2024: 5.7Dec 2024: 2.3Mar 2025: 2.4Jun 2025: 4.8Sep 2025: 3.5Dec 2025: 3.8Mar 2026: 2.7Jun 2026: 4.4Q2 23Q3 23FY24Q1 24Q2 24Q3 24FY25Q1 25Q2 25Q3 25FY26Q1 26
ROE is shown only in the Annual view — quarterly equity data isn't published.

Technicals

Trend interpretation, Stage 2, relative strength, volume and indicator evidence

Daily technical trend read

Mixed signals

Signals are conflicting — long-term trend down. RSI 44. Wait for confirmation.

  • Price < SMA20 < SMA50 < SMA200 — full bearish stack.
  • SMA20 falling (~5.5% over last month) — short-term momentum negative.
  • RSI(14) at 44 — sideways, no extreme reading.
  • MACD above signal, histogram expanding — bullish momentum building.
  • 34% off 52W high · 23% above 52W low.

Mechanical read from the price + indicator series above. Not a recommendation — technical setups can reverse without warning, especially around earnings and macro events.

Nifty 500 leadership

Relative Strength & Trend Stage

34
RS percentile
Stage 1 Base / Transition
1M return
-5.4%
3M return
-1.3%
6M return
-11.6%
1Y return
-28.9%
RS 1D
+1
RS 20D
-2
Sector rank
#10
Industry rank
#67
Stage evidence
  • Price is within 5.0% of the 30-week proxy.
  • The 30-week proxy changed -0.6% over 20 sessions.
  • The moving-average structure does not confirm Stage 2 or Stage 4.
50-DMA
price below
200-DMA
price below
Sector
weakening
Industry
lagging
Relative-strength line vs Nifty 500 (base 100)
262 observations
19 Oct 2026Value 74.43-0.71%
65758595105Sept 25Feb 26Jun 26Oct 2674
RS vs Nifty 50074

Valuation & peers

U-Score 46 · legacy U-Score band FAIR VALUE · valuation evidence and comparable companies

46U-SCORE
Deep Value

Fundamental score breakdown

U band · FAIR VALUE
Valuation24/30
Growth6/25
Quality0/20
Balance Sheet11/15
Cash Flow8/10
Piotroski
8/9 (+5)
Penalties
-8
Raw sum
46

Why this score?

Top U-Score contributors and drags from the latest stored fundamentals.

46/100 · legacy band FAIR VALUE

Positive drivers

  • FCF yield is supportive at 4.0%.
  • Piotroski is strong at 8/9.
  • Fair-value margin of safety is positive at 11.8%.

Main drags

  • Penalty bucket subtracts 8 points.
  • Quality is weaker at 0/20; verify the latest quarterly trend.
  • Growth is weaker at 6/25; verify the latest quarterly trend.
Sector valuation model

NBFC valuation: P/B, ROA, borrowing cost, and asset quality

Lenders can look optically cheap before credit losses emerge, so valuation is tied to book quality.

NBFC P/B
Primary lens
P/B adjusted for ROA/ROE and leverage quality.
Secondary checks
AUM growth, spreads, credit cost, liquidity and ALM risk.
Main risk check
Fast growth with weak asset quality deserves a discount.
PE
8.8
PB
0.6
EV/EBITDA
11.4
ROE
6.9%
ROCE
8.1%
FCF Yield
4.0%
Debt/Equity
0.0
MoS
+11.8%
Score movement

Stored run vs live recompute

This shows the stored score trend when snapshots exist, and also compares the latest stored nightly score with a live recompute from current fundamentals and price.

Stored run: 20 Oct 2026
v4.3-runtime-valuation
Final score
46
Previous: 46
Legacy U-Score band
FAIR VALUE
Previous: FAIR VALUE
Margin of safety
+11.8%
Previous: +11.8%

Score history

12 stored score snapshots. Latest stored move: +0 points.

20 Oct 2026
v4.3-runtime-valuation
47
46
46
46
46
44
46
46
46
46
46
46

Factor attribution

No pillar movement versus the latest stored run. Historical score trend will appear after snapshot storage is enabled.

Modelled fair value

Graham Number
₹64.25
+52.1% MoS
Growth-justified P/E
9.8
Growth-justified Value
₹34.95
+11.8% MoS
PEG
2.92

Comparable companies

Peers

Business-comparable peers in Financial Services — ranked by industry, sub-sector, theme-tag overlap, market cap, and U-Score similarity. Green cells mark the best available peer metric in this table.

Compare all ↗
Ticker
Name
Why peer
Score
PE
ROE
MoS
Verdict
APTUS
Small
Aptus Value Housing Finance India Limited
NBFC
match 154
50
11.3
20.1%
+57%
FAIR VALUE
GICHSGFIN
Small
GIC Housing Finance Limited
NBFC
match 153
30
4.5
7.6%
+24%
OVERVALUED
INDIASHLTR
Micro
India Shelter Finance Corporation Limited
NBFC
match 148
49
13.6
17.0%
+48%
FAIR VALUE
AADHARHFC
Large
Aadhar Housing Finance Limited
NBFC
match 148
40
16.8
15.9%
+33%
WATCHLIST
HOMEFIRST
Large
Home First Finance Company India Limited
NBFC
match 147
35
20.0
15.7%
+26%
WATCHLIST

Business, management & trust

Growth engines, risks, management commitments and evidence-backed delivery

Business and thesis

Issuer presentation review pending

Coral India Finance & Housing Limited operates in Housing Finance, within the Financial Services sector. Use the latest filing and company disclosures below to verify its revenue mix and current business drivers. The structured result feed currently covers the quarter ended 30 Jun 2026. Investor presentations and earnings-call PDFs will be added as issuer-backed evidence before management claims appear here.

Trust Score
66Limited evidence · low confidenceTrust Lite

Trust asks: does management behaviour match later outcomes? Higher is better, but confidence and evidence depth matter as much as the number.

Limited evidence: Claim history is still being built. It ranks around the 49th percentile of the scored universe and 62nd percentile within Financial Services. Main check: results consistency is weak at 26/100.

This is a financial-behaviour screen, not a claim-tested management reliability verdict.

Computed 05 Sept 2026
management-trust-v1
8 docs text-extracted · 0 concalls text-extracted
Score band
Limited evidence

Financial behaviour is scored, but management claims do not yet have enough outcome checks.

Relative rank
49th percentile

overall median 67 · Financial Services: 62nd pctile, median 62 · Small: 54th pctile, median 66

Evidence depth
Financial-only

8 documents have extracted text, but claim history is not strong enough yet.

Claim delivery
Outcome history still building

0 claims extracted · No contradicted claim yet

How to read this Trust Score

Limited evidence · low confidence
What it measures
Reliability of management and financial delivery, using financial behaviour only.
Confidence
Treat this as an early read until more concalls and outcomes are matched.
Investor use
Acceptable, but check the weakest sub-score before increasing exposure.

Read Trust alongside U-Score, result consistency, and technical trend. A cheap stock with weak Trust needs a larger margin of safety; a high Trust score does not make an expensive stock attractive by itself.

Forensic breakdown

Read low sub-scores as due-diligence warnings, not automatic sell signals.

Promoter
86
strong · holding, pledge, alignment
Cash flow
77
strong · profit to cash conversion
Balance sheet
88
strong · leverage and solvency
Discipline
42
weak · capital discipline
Results
26
weak · quarterly consistency

Trust positives

  • ▸Promoter holding is 75%.
  • ▸Promoter pledge is zero.
  • ▸FCF yield is positive at 3.7%.
  • ▸10 years of positive FCF.

Trust risks

  • ▸ROE is low at 6.9%.
  • ▸ROCE trend is -2.6%.
  • ▸1/4 latest quarters had positive YoY revenue growth.
  • ▸1 of the latest 4 quarters had PAT decline worse than 25% YoY.

Trust Lite uses financial behaviour only. Prefer claim-tested Trust when enough concall claims have later outcomes.

Important announcements & filings

Latest exchange and company disclosures found within the past two years.

6 shown
Announcement

Announcement under Regulation 30 (LODR)-Newspaper Publication 21 Aug - Pursuant to Regulation 47 of SEBI (LODR) Regulations, 2015, please find attached copies of newspaper advertisements issued for attention of shareholders ....

Source: Bse

Open source ↗
Announcement

Announcement under Regulation 30 (LODR)-Newspaper Publication 20 Aug - Pursuant to Regulation 47 of SEBI (Listing Obligationsa and Disclosure Requirements) Regulations, 2015, please find attached the newspaper advertisement for extract of unaudited standalone ....

Source: Bse

Open source ↗
Announcement

Announcement under Regulation 30 (LODR)-Newspaper Publication 20 Aug - Pursuant to Regulation 47 of the SEBI (LODR) Regulations, 2015, please find attached the newspaper advertisement for the intimation of information ....

Source: Bse

Open source ↗
Verify on:NSE India ↗
All information is for study purposes only. For investment decisions, consult your financial advisor. See Playbook for methodology.