Recent Price Movement and Market Context
On the day the 52-week low was recorded, Coral India Finance & Housing Ltd’s stock price fell by 1.91%, underperforming its sector by approximately 1%. The stock has experienced a cumulative loss of 4.57% over the last four days, signalling sustained selling pressure. Notably, the share price is trading below all key moving averages — including the 5-day, 20-day, 50-day, 100-day, and 200-day averages — underscoring a broad-based weakness in momentum.
In contrast, the broader market benchmark, the Sensex, also faced declines, closing 510.81 points lower at 82,541.73, down 0.9% on the day. Despite this, the Sensex remains within 4.38% of its 52-week high of 86,159.02, indicating that Coral India Finance & Housing Ltd’s performance is lagging behind the broader market recovery.
Financial Performance and Valuation Metrics
Coral India Finance & Housing Ltd’s financial indicators reveal challenges that have contributed to the stock’s subdued performance. Over the past year, the stock has delivered a negative return of 9.88%, while the Sensex has appreciated by 10.90% during the same period. This divergence highlights the stock’s relative underperformance.
The company’s return on equity (ROE) stands at 10.24% on average, which is considered weak for long-term fundamental strength. Furthermore, net sales have grown at a modest annual rate of 3.40%, reflecting limited top-line expansion. The latest six-month net sales figure is Rs.7.77 crores, which has declined by 23.82%, while the profit after tax (PAT) for the nine months ended December 2025 stood at Rs.12.09 crores, down 20.15% year-on-year.
Non-operating income constitutes a significant 33.40% of the company’s profit before tax (PBT), indicating a reliance on income sources outside core business operations. The ROE for the latest period has dipped to 6.7%, and the stock’s price-to-book value ratio is 0.6, suggesting that the market is pricing the stock at a discount relative to its book value. This valuation is lower than the average historical valuations of its peers, reflecting cautious investor sentiment.
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Long-Term and Recent Performance Trends
Over the last three years, Coral India Finance & Housing Ltd has underperformed the BSE500 index, with returns consistently below benchmark levels. The stock’s profits have also declined by 34.4% over the past year, signalling pressure on earnings quality. This underperformance extends to shorter time frames as well, with the stock lagging behind its sector and broader market indices over the last three months.
The stock’s 52-week high was Rs.52.98, which contrasts sharply with the current 52-week low of Rs.33.4, representing a decline of approximately 37%. This wide price range over the past year reflects volatility and investor caution.
Shareholding and Market Capitalisation
The majority ownership of Coral India Finance & Housing Ltd rests with promoters, which can influence strategic decisions and market perceptions. The company’s market capitalisation grade is rated at 4, indicating a relatively modest market cap within its sector. The Mojo Score assigned to the stock is 17.0, with a Mojo Grade of Strong Sell as of 13 Oct 2025, upgraded from a previous Sell rating. This grading reflects the stock’s current risk profile and valuation concerns.
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Sector and Industry Positioning
Coral India Finance & Housing Ltd operates within the Diversified Commercial Services sector, which has seen mixed performance in recent months. The stock’s underperformance relative to its sector peers is notable, especially given the broader market’s resilience. The company’s financial metrics and valuation multiples suggest that it is currently trading at a discount compared to its peer group’s historical averages.
Despite the broader market’s partial recovery, Coral India Finance & Housing Ltd’s share price remains under pressure, reflecting ongoing concerns about its growth trajectory and profitability metrics.
Summary of Key Metrics
To summarise, the stock’s key data points as of 24 Feb 2026 include:
- New 52-week low price: Rs.33.4
- 52-week high price: Rs.52.98
- One-year stock return: -9.88%
- Sensex one-year return: +10.90%
- Average ROE: 10.24%
- Latest ROE: 6.7%
- Net sales growth (annual): 3.40%
- Profit after tax (9 months): Rs.12.09 crores, down 20.15%
- Non-operating income as % of PBT: 33.40%
- Price to book value: 0.6
- Mojo Score: 17.0
- Mojo Grade: Strong Sell (upgraded from Sell on 13 Oct 2025)
Conclusion
The decline of Coral India Finance & Housing Ltd to a 52-week low of Rs.33.4 reflects a combination of subdued financial performance, valuation pressures, and relative underperformance against sector and market benchmarks. The stock’s trading below all major moving averages and its negative returns over multiple time frames underscore the challenges faced by the company in maintaining investor confidence and market momentum.
While the broader market has shown resilience, Coral India Finance & Housing Ltd’s share price trajectory highlights the importance of closely monitoring fundamental and valuation metrics within the Diversified Commercial Services sector.
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