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BSE: 531556 | NSE: CORALFINAC | Finance - NBFC | Small Cap
Past 10 year’s financial track record analysis by Moneyworks4me indicates that Coral India Finance & Housing Ltd is a below average quality company.
The key valuation ratios of Coral India Finance & Housing Ltd's currently when compared to its past seem to suggest it is in the Fair zone.
The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Coral India Finance & Housing Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
| Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income (₹ Cr.) | 10.8 | 16.2 | 11.8 | 13.6 | 22.1 | 14.2 | 12 | 20.2 | 27.5 | 29.6 | 31 | |
| YoY Gr. Rt. % | - | 50% | -27.3% | 15.3% | 62.9% | -35.7% | -15.3% | 67.8% | 36.2% | 7.5% | - | |
| Adj EPS (₹ ) | 1.3 | 2.1 | 1.3 | 1.6 | 2.7 | 1.7 | 1.6 | 3.2 | 4.3 | 4.6 | 5 | |
| YoY Gr. Rt. % | - | 54.5% | -38.7% | 28.4% | 65.6% | -38.9% | -2.4% | 100% | 33.9% | 5.6% | - | |
| BVPS (₹ ) | 12.6 | 14.4 | 15.5 | 29.1 | 28.9 | 25.6 | 23.5 | 31.5 | 35.2 | 37.1 | 42.1 | |
| YoY Gr. Rt. % | - | 14.5% | 7.1% | 88% | -0.7% | -11.5% | -8.2% | 34.4% | 11.7% | 5.3% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | 9.9 | 13.5 | 7.4 | 6.7 | 9 | 5.8 | 6.2 | 10 | 12.1 | 11.6 | 0 | |
CAGR Colour Code Guide ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 11.9% | 6% | 34.9% | 7.5% | ||||||||
| Adj EPS | 14.6% | 11% | 41.4% | 5.6% | ||||||||
| BVPS | 12.8% | 5.2% | 16.5% | 5.3% | ||||||||
| Share Price | 22.6% | 18% | 24.9% | 32.2% | ||||||||
| RATIOS \ YEARS | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Quality Ratio | To view Asset Quality Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Net NPA to Net Advances (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Capitalization Ratio | To view Capitalization Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Capital Adequacy Ratio (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Margins | ||||||||||||
| Net Profit Margin (%) | 62 | 63.8 | 53.9 | 59.9 | 61.1 | 57.8 | 66.6 | 64.2 | 63.2 | 62 | 64.3 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 11.1 | 15.3 | 8.5 | 7.3 | 9.3 | 6.1 | 6.6 | 10.6 | 12.9 | 12.6 | 11.9 | |
Return on Equity has increased versus last 3 years average to 12.60%
Total Income has increased 34.93 CAGR in last 3 years
Net Profit has increased 41.38 CAGR in last 3 years
Total income growth is good in last 4 quarters
No data to display
| Standalone | Consolidated | |
|---|---|---|
| TTM EPS (₹) | 5 | - |
| TTM Sales (₹ Cr.) | 31.2 | - |
| BVPS (₹.) ⓘ | 42.1 | - |
| Reserves (₹ Cr.) ⓘ | 161 | - |
| P/BV ⓘ | 1.02 | - |
| PE ⓘ | 8.62 | - |
| From the Market | |
|---|---|
| 52 Week Low / High (₹) | 30.75 / 74.38 |
| All Time Low / High (₹) | 0.32 / 105.10 |
| Market Cap (₹ Cr.) | 173 |
| Equity (₹ Cr.) | 8.1 |
| Face Value (₹) | 2 |
| Industry PE ⓘ | 32.1 |
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| PARTICULARS | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income | 14 | 19 | 12 | 14 | 23 | 15 | 13 | 21 | 28 | 31 |
| Interest Income | 11 | 16 | 12 | 14 | 22 | 14 | 12 | 20 | 27 | 30 |
| Other Income ⓘ | 3 | 3 | 0 | 0 | 1 | 0 | 1 | 1 | 0 | 1 |
| Expenditure ⓘ | 5 | 6 | 4 | 4 | 6 | 4 | 4 | 5 | 6 | 8 |
| Interest Expense ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Operating Expenses ⓘ | 5 | 6 | 4 | 3 | 6 | 4 | 3 | 4 | 5 | 8 |
| Provisions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 0 |
| Exceptional Items ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax ⓘ | 8 | 13 | 8 | 10 | 17 | 10 | 10 | 16 | 22 | 22 |
| Taxes ⓘ | 2 | 3 | 2 | 2 | 3 | 2 | 2 | 3 | 5 | 4 |
| Profit After Tax | 7 | 10 | 6 | 8 | 13 | 8 | 8 | 13 | 17 | 18 |
| Adjusted EPS (₹) | 1.3 | 2.1 | 1.3 | 1.6 | 2.7 | 1.7 | 1.6 | 3.2 | 4.3 | 4.6 |
| Dividend Payout Ratio (%) | 15% | 10% | 16% | 12% | 7% | 12% | 12% | 16% | 7% | 7% |
| PARTICULARS | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 |
|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | ||||||||||
| Equity Capital | 63 | 72 | 78 | 145 | 144 | 127 | 117 | 127 | 142 | 150 |
| Share Capital ⓘ | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 8 | 8 | 8 |
| Reserves ⓘ | 53 | 62 | 67 | 135 | 134 | 118 | 107 | 119 | 134 | 142 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long Term Borrowings | 2 | 3 | 4 | 3 | 4 | 5 | 5 | 4 | 6 | 10 |
| Current Liabilities | 5 | 7 | 8 | 3 | 1 | 1 | 3 | 4 | 4 | 5 |
| Trade Payables | 0 | 0 | 0 | 1 | 1 | 0 | 0 | 1 | 0 | 0 |
| Short term borrowings | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | 0 | 0 | 0 | -1 | -1 | 0 | 0 | -1 | 0 | 0 |
| Total Liabilities ⓘ | 70 | 83 | 90 | 151 | 149 | 133 | 125 | 135 | 153 | 164 |
Assets | ||||||||||
| Non Current Asset | 46 | 60 | 72 | 135 | 130 | 116 | 106 | 63 | 70 | 65 |
| Loan Asset | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non Current Asset ⓘ | 46 | 60 | 72 | 135 | 130 | 116 | 106 | 63 | 70 | 65 |
| Current Asset | 24 | 23 | 18 | 16 | 19 | 18 | 19 | 72 | 82 | 99 |
| Current Investment | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 54 | 58 | 67 |
| Other Current Asset | 24 | 23 | 18 | 16 | 19 | 18 | 19 | 18 | 25 | 32 |
| Total Assets ⓘ | 70 | 83 | 90 | 151 | 149 | 133 | 125 | 135 | 153 | 164 |
| PARTICULARS | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 |
|---|---|---|---|---|---|---|---|---|---|---|
Operational & Financial Ratios |
||||||||||
| EPS (₹) | 7 | 10 | 6 | 8 | 3 | 2 | 2 | 3 | 4 | 5 |
| DPS (₹) | 1 | 1 | 1 | 1 | 0 | 0 | 0 | 1 | 0 | 0 |
| BVPS (₹) | 63 | 72 | 77 | 145 | 29 | 26 | 23 | 32 | 35 | 37 |
Performance Ratios | ||||||||||
| ROA (%) | 9.9 | 13.5 | 7.4 | 6.7 | 9.0 | 5.8 | 6.2 | 10.0 | 12.1 | 11.6 |
| ROE (%) | 11.1 | 15.3 | 8.5 | 7.3 | 9.3 | 6.1 | 6.6 | 10.6 | 12.9 | 12.6 |
| ROCE (%) | 13.9 | 19.2 | 10.5 | 9.1 | 11.8 | 7.5 | 7.9 | 12.9 | 16.3 | 15.3 |
Valuation Parameters | ||||||||||
| Price/Book(x) | 0.4 | 0.7 | 0.7 | 1.3 | 1.1 | 0.7 | 0.6 | 0.7 | 1.1 | 0.7 |
Coral India Housing, earlier known as Coral India Finance & Housing was incorporated on January 04, 1995. The company operates in the three segments of finance, resort and construction. It went into agreement with Standard Fireworks to acquire 14,700 sq. ft. of land in Thane valued at Rs 3.11 crore for its project Coral Orchids. In 2010 -the company has changed his name from Coral India Finance & Housing Limited to Coral India Housing Limited.
The company had acquired 12,500 sq. ft. of land valued at Rs 0.45 crore for its project Coral Gardens in Deolali, Nasik. It went into agreement with Kelani Builders & Developers for 435 sq. m. of prime land valued at Rs 0.19 crore for its project Coral Plaza in Chembur, Mumbai.
In FY07, the company started construction of the residential-cum-commercial project at Ghodbunder Road, Thane, Maharashtra.
The registered office of the company is located at Dalamal House, 4th Floor, Mumbai-400021.
Business area of the company:
The company is engaged in financial and construction activities.
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Funds ranking in screeners: Performance Consistency and Quality are two parameters used for ranking funds for SIP. The ranking as follows GG, GO, GR, OG, OO, OR, RG, RO and RR.
With the same color-coded funds, the one with the higher Average 3-year rolling returns (over 5 to 10 years), the number that appears in the Performance tag, ranks higher.
Here is the summary:
The third tag Upside Potential is not relevant for SIP. It is relevant for lumpsum investments in Mutual Funds.
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