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Indian Railway Finance Corporation Limited IRFC NSEFINANCIALPSU

Financial Services · Credit Services · India
https://irfc.co.in
Company Profile ↓
₹76.80
-37.40% 1Y
Mkt Cap₹1.00 L Cr
P/E13.96
P/B1.72
Div. Yield2.76%
52W High₹132.24
52W Low₹74.30
Book Value₹43.46
EPS (TTM)₹5.50

Company Overview

Indian Railway Finance Corporation Limited engages in leasing of rolling stock and railway infrastructure assets in India. The company also engages in lending business to other entities under the Ministry of Railways; and borrowing funds from commercial markets, financial markets to finance the acquisition/creation of assets that are leased out to the Indian Railways. Indian Railway Finance Corporation Limited was incorporated in 1986 and is based in New Delhi, India.

Why Investors Should Care

Reasonable Valuation

Trades at a P/E of 14.0, below the sector median of 15.4.

Healthy Margins

Maintains a net profit margin of 97.3%.

Dividend Income

Offers a dividend yield of 2.76%.

Recent Developments

  • Mar 2026 Revenue of ₹27,265.83 Cr (+0.4% YoY); net profit ₹7,009.17 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +10.3%, earnings +9.7%.
  • 5-Year Trend Long-term compounding — revenue CAGR 4.9%, profit CAGR 4.4%.

Growth & Price Performance

Compounded Sales Growth

5 Years:4.86%
1 Year:10.30%

Compounded Profit Growth

5 Years:4.36%
1 Year:9.70%

Stock Price Performance

1 Year:-37.40%
6 Months:-27.25%
3 Months:-11.75%
1 Month:-4.26%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bearish
52-Week Range 4% of range
₹74.30 ₹132.24
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMABelow
  • RSI (14)42.12 · Neutral
Price Performance
1M-4.26%
3M-11.75%
6M-27.25%
1Y-37.40%
Valuation vs Sector

P/E of 13.96 is below the sector median of 15.36 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 97.3%.
  • Attractive dividend yield of 2.76%.

CONS

  • Trading 41.9% below its 52-week high.
  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
13.96
Industry PE
15.36
Forward P/E
10.52
PEG Ratio
-
Book Value
₹43.46
Price to Book
1.72
P/S
13.21
EV/EBITDA
78.04
Dividend Yield
2.76%

Growth (CAGR)

Revenue 5Y
4.86%
Profit 5Y
4.36%
Revenue (YoY)
10.30%
Earnings (YoY)
9.70%

Profitability & Returns

ROCE
1.37%
ROE
12.35%
ROA
1.36%
Profit Margin
97.27%
Op Margin
97.76%
Gross Margin
100.00%
EPS (Latest Qtr)
₹1.47
EPS (TTM)
₹5.50

Balance Sheet & Liquidity

Debt/Equity
7.73
Quick Ratio
-
Current Ratio
28,526.05
Debt
₹4.39 L Cr
Total Assets
₹5.17 L Cr
Current Assets
₹4.21 L Cr
Working Capital
₹4.21 L Cr

Ownership

Promoter Holding
82.90%
Chg in Prom Hold
-1.75%
FII / Inst Holding
4.82%
Chg in FII Hold
0.02%

Financial Snapshot

Enterprise Value
₹1.00 L Cr
Total Revenue (TTM)
₹7,392.41 Cr
EBITDA
₹7,085.34 Cr
Free Cash Flow
₹-27,039.81 Cr
Operating Cash Flow
₹-27,026.41 Cr
Shares Outstanding
₹1,306.85 Cr
Gross Margin
100.00%
Payout Ratio
38.18%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 IRFC Indian Railway Finance Corporation Limited NSEFINANCIALPSU 76.80 13.96 ₹1.00 L Cr 2.76% 1.37% 12.35% 4.86% 4.36%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 706.95 15.45 ₹10.90 L Cr 1.88% - 13.84% 16.90% 12.47%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,385.00 17.90 ₹9.94 L Cr 0.89% - 16.07% 18.11% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 963.00 10.32 ₹8.89 L Cr 1.82% - 15.18% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 926.00 28.43 ₹5.77 L Cr 0.56% - 16.68% 22.58% 18.23%
6 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 437.80 21.46 ₹4.36 L Cr 0.15% - 10.64% 13.48% 8.92%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,210.00 13.61 ₹3.77 L Cr 0.08% - 13.35% 12.16% 34.61%
8 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,690.00 26.83 ₹2.70 L Cr 0.07% - 12.58% 22.92% 15.16%
9 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 392.05 8.26 ₹2.48 L Cr 2.59% - 32.53% 7.26% 16.86%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Dec 2024Mar 2025Jun 2025Dec 2025Mar 2026Jun 2026
Revenue 6,763.43 Cr6,718.73 Cr6,901.07 Cr6,657.12 Cr7,335.75 Cr8,242.03 Cr
Cost of Revenue 5,098.71 Cr5,000.70 Cr5,128.09 Cr4,817.31 Cr5,531.14 Cr6,426.11 Cr
Gross Profit 1,664.72 Cr1,718.03 Cr1,772.98 Cr1,839.81 Cr1,804.61 Cr1,815.92 Cr
Operating Expenses 37.02 Cr33.75 Cr30.15 Cr36.58 Cr58.46 Cr20.03 Cr
Operating Income 1,627.70 Cr1,684.28 Cr1,742.83 Cr1,803.23 Cr1,746.15 Cr1,795.89 Cr
EBITDA 1,629.04 Cr1,685.57 Cr1,744.16 Cr1,805.06 Cr1,748.09 Cr1,797.04 Cr
Interest Expense ------
Pretax Income 1,630.66 Cr1,681.87 Cr1,745.69 Cr1,802.19 Cr1,684.31 Cr1,927.21 Cr
Tax Provision 000000
Net Income 1,630.66 Cr1,681.87 Cr1,745.69 Cr1,802.19 Cr1,684.31 Cr1,927.21 Cr
Diluted EPS 1.251.291.341.381.291.47

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue -23,650.70 Cr26,530.42 Cr27,147.13 Cr27,265.83 Cr
Cost of Revenue -12,324.20 Cr14,329.82 Cr20,508.60 Cr20,026.54 Cr
Gross Profit -11,326.50 Cr12,200.60 Cr6,638.53 Cr7,239.29 Cr
Operating Expenses -137.88 Cr137.00 Cr140.12 Cr160.00 Cr
Operating Income -11,185.71 Cr12,063.60 Cr6,498.41 Cr7,079.29 Cr
EBITDA -11,295.36 Cr12,144.13 Cr6,503.72 Cr7,085.34 Cr
Interest Expense 5,459.85 Cr5,114.14 Cr5,722.58 Cr7,991.46 Cr-
Pretax Income -6,167.16 Cr6,412.11 Cr6,502.00 Cr7,009.17 Cr
Tax Provision -0000
Net Income -6,167.16 Cr6,412.11 Cr6,502.00 Cr7,009.17 Cr
Diluted EPS -4.724.914.985.36

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets -4.90 L Cr4.85 L Cr4.89 L Cr5.17 L Cr
Current Assets -35,013.11 Cr33,579.61 Cr43,394.92 Cr4.21 L Cr
Cash & Equivalents -162.64 Cr22.77 Cr5,680.29 Cr211.31 Cr
Inventory -----
Receivables -----
Total Liabilities -4.46 L Cr4.36 L Cr4.36 L Cr4.60 L Cr
Current Liabilities -49,712.93 Cr34,501.94 Cr40,199.82 Cr14.76 Cr
Long Term Debt -3.95 L Cr3.99 L Cr3.94 L Cr4.36 L Cr
Total Debt -4.19 L Cr4.12 L Cr4.12 L Cr4.36 L Cr
Total Equity -44,680.18 Cr49,178.57 Cr52,667.85 Cr56,748.76 Cr
Shares Outstanding -1,306.85 Cr1,306.85 Cr1,306.85 Cr1,306.85 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow --28,588.36 Cr7,914.10 Cr8,229.57 Cr-27,026.41 Cr
Investing Cash Flow -9.10 L-7.54 Cr-10.00 L-2.64 Cr
Financing Cash Flow -28,644.48 Cr-8,046.43 Cr-2,571.95 Cr21,560.07 Cr
Capital Expenditure --77.50 L-8.33 Cr-82.00 L-13.40 Cr
Free Cash Flow --28,589.14 Cr7,905.77 Cr8,228.75 Cr-27,039.81 Cr
Net Change in Cash -56.21 Cr-139.87 Cr5,657.52 Cr-5,468.98 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % -47.9%46.0%24.5%26.6%
Operating Margin % -47.3%45.5%23.9%26.0%
Net Margin % -26.1%24.2%24.0%25.7%
ROE % -13.8%13.0%12.3%12.4%
ROCE % -2.5%2.7%1.4%1.4%

Shareholding Pattern

Insiders
82.90%
Institutions
4.82%
Public Float
28.18%

Analyst View

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Latest News

Recent headlines for IRFC

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IRFC H1 FY2027 slides: revenue up 21%, diversification gains traction - Investing.com

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Google News Sun, 18 Oct 2026

Stock split, bonus, dividend, buyback record date in 19-25Oct week: Angel One, JSW, IRFC, Tech Mahindra, Modison, others - TradingView

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Google News Mon, 12 Oct 2026

IRFC to announce interim dividend in Q2 results on Oct 15; stock rises 4% - Business Standard

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Google News hu, 22 Oct 2026

Tech Mahindra, HDB Financial Services, IRFC, Oberoi Realty dividend record date on Oct 23: Last day to buy for payout - Upstox

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Google News hu, 22 Oct 2026

IRFC, RVNL, IRCON, RITES, BEML, Jupitar Wagons, IRCTC, Concor: Are Railway Stocks Attractive Before Q1 Results - Goodreturns

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Google News Wed, 24 Jun 2026

IRFC Shares decline 5% - Reasons explained - India Infoline

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IRFC — Frequently Asked Questions

What is the current share price of Indian Railway Finance Corporation Limited (IRFC)?

As of 2026-10-23 04:58 IST, Indian Railway Finance Corporation Limited (IRFC) trades at ₹76.80 on NSE. Its 52-week range is ₹74.30 to ₹132.24.

What is the market capitalisation of IRFC?

Indian Railway Finance Corporation Limited (IRFC) has a market capitalisation of ₹1.00 L Cr on NSE.

What is the P/E ratio of IRFC?

IRFC trades at a trailing price-to-earnings (P/E) ratio of 13.96. The industry average P/E is 15.36. Its price-to-book (P/B) ratio is 1.72.

Does IRFC pay a dividend?

Indian Railway Finance Corporation Limited (IRFC) currently offers a dividend yield of 2.76%.

What is the return on equity (ROE) of IRFC?

IRFC has a return on equity (ROE) of 12.35%. Its return on capital employed (ROCE) is 1.37%.

Is IRFC a good stock to buy?

This page provides a data-driven analysis of Indian Railway Finance Corporation Limited (IRFC), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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