Stock Performance and Market Context
On 23 Feb 2026, Coral India Finance & Housing Ltd’s stock price touched Rs.33.74, its lowest level in the past year. This decline comes after three consecutive days of losses, during which the stock has fallen by 3.57%. Today’s trading session saw the stock underperform its sector by 1.9%, continuing a trend of subdued investor sentiment. The stock is currently trading below all major moving averages, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages, signalling sustained downward momentum.
In contrast, the broader market has shown resilience. The Sensex opened 92.12 points higher and climbed further by 298.33 points to close at 83,205.16, a gain of 0.47%. The index remains within 3.55% of its 52-week high of 86,159.02, supported by strong performances from mega-cap stocks. Despite this positive market environment, Coral India Finance & Housing Ltd has lagged significantly.
Financial Performance and Valuation Concerns
The company’s financial metrics highlight several areas of concern. Over the past year, Coral India Finance & Housing Ltd has delivered a negative return of 10.71%, while the Sensex has gained 10.48% over the same period. This divergence underscores the stock’s relative weakness.
Profitability has also deteriorated. The company reported a Profit After Tax (PAT) of Rs.12.09 crores for the nine months ending December 2025, representing a decline of 20.15% compared to the previous period. Net sales for the latest six months stood at Rs.7.77 crores, down 23.82%. Additionally, non-operating income constitutes 33.40% of the Profit Before Tax (PBT), indicating a significant portion of earnings is derived from sources outside core business activities.
Long-term growth has been modest, with net sales increasing at an annual rate of just 3.40%. The company’s average Return on Equity (ROE) is 10.24%, reflecting limited efficiency in generating shareholder returns. The latest reported ROE is 6.7%, which, combined with a Price to Book Value ratio of 0.6, suggests the stock is trading at a discount relative to its peers’ historical valuations but remains expensive given its earnings profile.
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Comparative Performance and Ratings
Coral India Finance & Housing Ltd’s performance over the last three years has been below par, with returns trailing the BSE500 index across one-year, three-month, and three-year periods. The stock’s Mojo Score stands at 17.0, accompanied by a Mojo Grade of Strong Sell, upgraded from Sell on 13 Oct 2025. This rating reflects the company’s weak long-term fundamentals and subdued growth prospects within the diversified commercial services sector.
The company’s market capitalisation grade is rated 4, indicating a relatively small market cap compared to larger peers. Despite the stock’s discounted valuation, the combination of declining profits, limited sales growth, and a significant proportion of income from non-operating sources weighs on its overall assessment.
Shareholding and Sector Overview
The majority ownership of Coral India Finance & Housing Ltd remains with its promoters, maintaining a stable shareholding structure. The company operates within the diversified commercial services sector, which has seen mixed performance amid evolving market dynamics. While the broader sector has experienced some positive momentum, Coral India Finance & Housing Ltd’s stock has not mirrored this trend, reflecting company-specific challenges.
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Summary of Key Metrics
To summarise, Coral India Finance & Housing Ltd’s stock has declined to Rs.33.74, its lowest level in 52 weeks, amid a backdrop of underwhelming financial results and valuation concerns. The stock’s one-year return of -10.71% contrasts sharply with the Sensex’s positive 10.48% gain. Profit after tax has contracted by over 20% in the latest nine-month period, while net sales have decreased by nearly 24% in the last six months. The company’s ROE and sales growth rates remain subdued, contributing to its current rating as a Strong Sell by MarketsMOJO.
Despite the broader market’s upward trajectory, led by mega-cap stocks, Coral India Finance & Housing Ltd continues to face headwinds that have pressured its share price to new lows. The stock’s discounted valuation relative to peers reflects these challenges, as well as investor caution regarding its near-term financial trajectory.
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