Stock Performance and Market Context
On 20 Feb 2026, Coral India Finance & Housing Ltd’s stock price touched Rs.33.85, its lowest level in the past year. This decline comes despite a broadly positive market environment, with the Sensex recovering sharply after a negative start to close at 82,851.91, up 0.43% for the day. The Sensex remains within 3.99% of its 52-week high of 86,159.02, supported by gains in mega-cap stocks. In contrast, Coral India Finance & Housing has lagged, underperforming its sector by 1.51% today and falling 2.89% over the last two trading sessions.
The stock’s downward trajectory is further highlighted by its position below all key moving averages, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages. This technical weakness underscores the sustained selling pressure and lack of upward momentum in the share price.
Financial Performance and Valuation Metrics
Coral India Finance & Housing Ltd operates within the Diversified Commercial Services sector and has been assigned a Mojo Score of 17.0, with a current Mojo Grade of Strong Sell as of 13 Oct 2025, an upgrade from the previous Sell rating. The company’s market capitalisation grade stands at 4, indicating a relatively modest market cap compared to peers.
Over the past year, the stock has delivered a negative return of 11.71%, significantly underperforming the Sensex’s positive 9.43% gain. The 52-week high for the stock was Rs.52.98, illustrating a substantial decline of approximately 36% from that peak.
Long-term financial indicators reveal subdued growth and profitability. The company’s average Return on Equity (ROE) is 10.24%, which is considered weak relative to industry standards. Net sales have expanded at a modest annual rate of 3.40%, reflecting limited top-line growth. More recently, the company reported flat results for the quarter ending December 2025, with a Profit After Tax (PAT) of Rs.12.09 crores over nine months, representing a decline of 20.15% year-on-year.
Net sales for the latest six-month period stood at Rs.7.77 crores, down 23.82% compared to the previous corresponding period. Additionally, non-operating income accounted for 33.40% of Profit Before Tax (PBT), indicating a significant portion of earnings derived from sources outside the core business operations.
Valuation metrics suggest the stock is trading at a discount relative to its peers, with a Price to Book Value ratio of 0.6 despite a lower ROE of 6.7%. This disparity points to an expensive valuation when considering the company’s profitability levels. Over the past year, profits have contracted by 34.4%, further weighing on investor sentiment.
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Comparative Performance and Market Position
Coral India Finance & Housing Ltd’s performance has been below par not only in the short term but also over longer horizons. The stock has underperformed the BSE500 index over the last three years, one year, and three months, reflecting persistent challenges in generating shareholder value. The company’s subdued growth and profitability metrics have contributed to this trend.
Majority ownership remains with promoters, which may influence strategic decisions and capital allocation. The company’s sector, Diversified Commercial Services, has seen mixed performance, with some peers exhibiting stronger growth and valuation metrics.
Technical and Market Sentiment Indicators
The stock’s recent decline to Rs.33.85 represents a critical technical level, marking the lowest price point in the past 52 weeks. This new low follows a two-day losing streak, with a cumulative return decline of 2.89%. The stock’s position below all major moving averages signals continued downward momentum and a lack of near-term technical support.
In contrast, the broader market has shown resilience, with the Sensex recovering from an early loss to close higher. Mega-cap stocks have led this recovery, highlighting a divergence between large-cap and mid-to-small-cap stock performance, including Coral India Finance & Housing Ltd.
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Summary of Key Financial and Market Metrics
To summarise, Coral India Finance & Housing Ltd’s stock has reached a 52-week low of Rs.33.85 amid a backdrop of subdued financial results and valuation concerns. The company’s average ROE of 10.24% and net sales growth of 3.40% annually indicate limited expansion. Recent quarterly results showed a decline in PAT by 20.15% and net sales by 23.82%, with a notable contribution of non-operating income to profits.
The stock’s valuation at a Price to Book Value of 0.6 contrasts with its relatively low ROE of 6.7%, suggesting a valuation discount compared to peers. Over the past year, the stock has generated a negative return of 11.71%, underperforming the Sensex and BSE500 indices consistently over multiple time frames.
Technically, the stock’s position below all major moving averages and its recent two-day decline reinforce the current downward trend. Despite a positive market environment led by mega-cap stocks, Coral India Finance & Housing Ltd has not participated in the broader market rally.
Majority promoter ownership remains a feature of the company’s shareholding structure, which may influence strategic direction. Overall, the stock’s recent price action and financial metrics reflect ongoing challenges within the company’s operational and market context.
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