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Model Note · CORAL INDIA FIN & HOUS LT · 29 October 2026Page 1 of 2
Model Note
Prepared by the reader · not a MarketPing document
CORAL INDIA FIN & HOUS LT Discounted cash flow · base FY26
CORAL INDIA FIN & HOUS LT
Value per share, this model₹31
CMP, 28 Oct 2026₹27.20
Difference15.6%
Growth the CMP implies(8.8)%/yr
This note states the assumptions and the arithmetic of one model of CORAL INDIA FIN & HOUS LT, built on its filed FY26 standalone statements. The value is the outcome of the assumptions below and nothing else; it is not a fair value, a target or a recommendation.
Assumptions
Input
This model
Filed reference
Revenue growth, 5 years
-5% a year
FY26 (27.2)% · 5-yr CAGR (5.3)%
EBITDA margin
79.4%
FY26 79.4% · 5-yr average 77.0%
Depreciation · capex, % of revenue
0.4% · 0%, fading to 1.2× depreciation
FY26 0.4% · 0.0%
Working capital, % of added revenue · tax
38.8% · 14.2%
142 working-capital days · effective 14.2%
Discount rate
11.00%
1-yr beta 1.25
After FY31
5% flat · mid-year discounting
—
Net debt · non-controlling interest · non-operating investments
₹(4) · ₹0 · ₹0 cr
FY26 net debt ₹(4) cr
Shares
4.03 crore
4.03 crore today
Source: SEBI results XBRL as filed with BSE/NSE, exchange prices; the reader's assumptions.
Projected cash flow to the firm
₹ crore
FY26
FY27
FY28
FY29
FY30
FY31
Revenue
15
15
14
13
13
12
growth %
(27.2)
(5.0)
(5.0)
(5.0)
(5.0)
(5.0)
EBITDA
12
12
11
10
10
9
Depreciation
(0)
(0)
(0)
(0)
(0)
(0)
NOPAT
10
10
9
9
9
8
less capex
0
0
(0)
(0)
(0)
(0)
less working-capital build
—
0
0
0
0
0
Free cash flow to firm
—
10
10
9
9
8
Present value
10
8
7
6
5
Source: the model; base year as filed.
Every figure is the reader's model over filed numbers · No rating, target or fair value is expressedmarketping.in
Model Note · CORAL INDIA FIN & HOUS LT · 29 October 2026Page 2 of 2
From enterprise to equity
PV of the 5 explicit years
36
PV of the terminal value (70% of EV)
86
Enterprise value
123
less net debt
4
less non-controlling interest
0
add non-operating investments
0
Equity value
127
÷ 4.03 crore shares
₹31
Source: the model.
Sensitivity, ₹ per share
WACC ↓ · terminal growth →
4.0%
4.5%
5.0%
5.5%
6.0%
10.0%
32
35
37
40
44
10.5%
30
32
34
37
40
11.0%
28
30
31
34
36
11.5%
27
28
29
31
33
12.0%
25
26
27
29
31
Source: the model; n/a where terminal growth reaches the discount rate.
Statement
This note is the reader's own model over publicly filed information: SEBI results XBRL filed with BSE and NSE and exchange price data, assembled by MarketPing software; every assumption above is the reader's. It contains no research recommendation, no price target and no opinion by MarketPing on the merits of any security, and is not a research report within the meaning of the SEBI (Research Analysts) Regulations, 2014, Regulation 2(1)(w)(vii). Historical per-share figures are on the current share count. Where a figure is unavailable the table shows a dash rather than an estimate. Nothing here constitutes investment advice, an offer or a solicitation.
Every figure is the reader's model over filed numbers · No rating, target or fair value is expressedmarketping.in
