IRFC

Indian Railway Finance Corporation Ltd.

NSE: IRFC

BSE: 543257

Sector: Financial Services

Industry Group: Finance

Industry: Financial Institution

83.16-0.2 (-0.29%)

7 Sep, 2:00 PM

Overview

Analysis Statements Technicals Forecast Peers Resources News

Stock Scores

Quality Score

27.3 / 100

Value Score

59.0 / 100

Price Momentum Score

17.0 / 100

QVM Score

17.5 / 100

Key Metrics

Market Cap

1,08,991 Cr

P/E (TTM)

15.16

P/B

1.92

P/S (TTM)

3.81

EV/EBITDA

19.15

CAPE (5Y)

16.61

ROE (TTM)

12.81

ROCE (TTM)

5.65

ROA (TTM)

1.39

Avg 3Y ROE

13.04

Earnings 3Y CAGR

4.79

Sales 3Y CAGR

4.70

Sales 5Y CAGR

11.59

Debt/Equity

7.69

Consensus TP

60.00

Strong Buy %

Promoter Holding

82.90

Pledged %

0.00

Stock Analysis

Fundamental analysis overview of Indian Railway Finance Corporation Ltd. covering key investment insights, growth drivers, risk factors, and potential red flags.

Views

Red Flags

Positive

Stock is cheap and reasonably valued with respect to the industry

PB of 1.92 indicates that the stock is cheap on a standalone basis. Discount to industry median P/B is modest at 0.0%

What is P/B Ratio?

Median: 1.92

Value 1.92

0.245.37

High and stable operating margin

The company reported strong operating margin of 99.3% for 12-month ended 30 Jun 2026 and operating margin declined marginally by -10 bps from 1 year ago

What is Operating profit margin?

Consistently pays dividend

The company has not missed dividend payments once in the last 6 financial years

What is Dividend streak?

Negative

Weak price momentum

Price Momentum score of 17.0 indicates that the stock has weak price momentum. Research has shown that stocks with lower momentum continue to underperform in the near term

What is Price Momentum score?

17.0 / 100

Low revenue growth and lower than median growth of industry

The company delivered moderate revenue growth of 4.86% for 12-month ended 30 Jun 2026 and the growth was 9.91 percentage points lower than median growth of industry

What is Sales growth (1Y)?

Median: 14.77

Value 4.86

1.982327.73

Low EPS growth and in line with median growth of industry

The company delivered low EPS growth of 7.73% for 12-month ended 30 Jun 2026 and the growth was 0.19 percentage points higher than median growth of industry

What is EPS growth (1Y)?

High Debt to Equity, not much change from last year

The company has high Debt to Equity of 7.69 as on 30 Jun 2026 and Debt to Equity increased marginally by 0.25 in the last 1 year

What is Debt to Equity?

Neutral

Moderate and stable ROE

The company reported moderate ROE of 12.81% for 12-month ended 30 Jun 2026 and ROE improved marginally by 12 bps from 1 year ago

What is ROE (FY)?

Moderate dividend yield

The company has a moderate dividend yield of 2.52%

What is Dividend yield?

Financial Snapshot

See detailed analysis

Multi-year trends for Indian Railway Finance Corporation Ltd. covering revenue, net profit, ROE, and EBITDA for a quick view of financial health over time.

Net Revenue FY

Profit After Tax FY

ROE FY

ROA FY

Indian Railway Finance Corporation Ltd. Shareholding Pattern

Quarterly breakdown of Indian Railway Finance Corporation Ltd. ownership including promoter, FII, DII, mutual fund, and public holdings as disclosed to NSE/BSE.

	Sep 2013	Mar 2014	Mar 2015	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Total Promoter	0.00	0.00	100.00	86.36	86.36	86.36	86.36	86.36	86.36	86.36	86.36	86.36	86.36	86.36	86.36	86.36	86.36	86.36	86.36	86.36	86.36	86.36	86.36	84.65	82.90
Indian Promoter	0.00	0.00	100.00	86.36	86.36	86.36	86.36	86.36	86.36	86.36	86.36	86.36	86.36	86.36	86.36	86.36	86.36	86.36	86.36	86.36	86.36	86.36	86.36	84.65	82.90
Foreign Promoter	0.00	0.00	0.00	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Institutions	100.00	100.00	0.00	5.67	4.60	4.24	4.29	4.30	4.27	4.44	3.97	3.76	3.16	2.76	2.31	1.97	2.18	2.17	2.25	2.32	2.39	2.46	2.53	4.05	5.16
Mutual Funds / UTI	0.00	0.00	0.00	3.02	2.62	2.08	2.04	2.02	2.04	2.17	1.76	1.37	0.77	0.50	0.40	0.18	0.55	0.15	0.24	0.21	0.25	0.31	0.36	0.27	0.30
FI/Bank/Insurance	0.00	0.00	0.00	1.22	1.13	1.11	1.16	1.16	1.22	1.22	1.20	1.25	1.25	1.12	0.75	0.71	0.53	0.89	0.95	1.08	1.15	1.12	1.12	2.56	3.63
Govt	100.00	100.00	0.00	0.00	-	0.00	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
FII	0.00	0.00	0.00	1.44	0.86	1.06	1.09	1.12	1.02	1.05	1.01	1.15	1.14	1.14	1.15	1.08	1.11	1.09	1.01	0.98	0.93	0.97	0.98	1.16	1.18
Other Institutions	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.01	0.00	0.00	0.01	0.00	0.00	0.00	0.04	0.05	0.05	0.05	0.05	0.06	0.06	0.05
Non-Institution	0.00	0.00	0.00	7.97	9.03	9.40	9.34	9.33	9.36	9.19	9.67	9.87	10.48	10.87	11.33	11.67	11.45	11.46	11.39	11.32	11.24	11.18	11.11	11.29	11.95
Bodies Corporate	0.00	0.00	0.00	0.29	0.28	0.35	0.38	0.39	0.42	0.43	0.42	0.39	0.40	0.29	0.28	0.23	0.18	0.16	0.14	0.14	0.15	0.14	0.12	0.13	0.18
Others (incl. Retail) No. of shareholders	0.00 0	0.00 0	0.00 0	7.68 13,51,673	8.75 14,48,410	9.05 14,76,429	8.96 15,18,617	8.94 15,14,354	8.94 14,89,394	8.76 14,58,495	9.25 16,04,560	9.48 16,33,797	10.08 18,04,409	10.58 27,01,445	11.05 32,50,180	11.44 45,24,331	11.27 51,06,552	11.30 54,97,796	11.25 55,38,593	11.18 56,33,688	11.09 54,49,033	11.04 53,15,895	10.99 51,67,412	11.16 51,11,691	11.77 50,84,605

Holdings and Presence

Indices and prominent investors with a stake in this stock.

Index Presence

#	Index	Weight	Rank
1	SHI: Railway	15.12%	2 / 11
2	Nifty 100 Equal Weight	0.94%	78 / 100
3	Nifty Next 50	0.71%	49 / 50
4	Nifty Div Opps 50	0.45%	47 / 50
5	Nifty 100	0.13%	98 / 100
6	Nifty 500	0.09%	205 / 499
7	Nifty Total Market	0.09%	217 / 749
8	NIFTY Large Midcap 250	0.07%	245 / 250

Bulk, Block and Insider Trades

Recent bulk deals, block deals, and insider trading activity in Indian Railway Finance Corporation Ltd. shares as reported to NSE and BSE.

No bulk, block or insider trade data available.

Corporate Actions

History of Indian Railway Finance Corporation Ltd. dividends, bonus issues, stock splits, rights issues, and other corporate events.

Dividend₹ 1.05/share
Record date: 13th Mar 2026Ex-date: 13th Mar 2026
Announced on: 26th Feb 2026
Dividend₹ 1.05/share
Record date: 24th Oct 2025Ex-date: 24th Oct 2025
Announced on: 7th Oct 2025
Dividend₹ 0.80/share
Record date: 21st Mar 2025Ex-date: 21st Mar 2025
Announced on: 10th Mar 2025
Dividend₹ 0.80/share
Record date: 12th Nov 2024Ex-date: 12th Nov 2024
Announced on: 22nd Oct 2024
Dividend₹ 0.70/share
Record date: 22nd Aug 2024Ex-date: 22nd Aug 2024
Announced on: 20th May 2024

Company Profile

Overview of Indian Railway Finance Corporation Ltd. covering business description, industry classification, key management, financial ratios, and listed exchange details.

Indian Railway Finance Corporation Limited is an India-based company, which is engaged in mobilizing funds from domestic and international markets for supporting infrastructure development of Indian Railways. The Companys main business is to provide leasing and financing to railway sector in India. ...

Key personnel

Shri. Vijay Babulal Shirode

Compliance Officer, Company Secretary

Shri. Manoj Kumar DubeyD

Chairman of the Board, Chief Executive Officer, Managing Director

Shri. Randhir SahayD

Chief Financial Officer, Director - Finance, Executive Director

Shri. Abhishek KumarD

Government Nominee Director

Ms. Laya MadduriD

Part-time Government Nominee Director

Pradeep AhlawatD

Non-Official Independent Director

Manjula MishraD

Non-Official Independent Director

Manjula MishraD

Non-Official Independent Director

Incorporated on

12 Dec 1986

Last Annual

31 Mar 2026

Last Interim

30 Jun 2026

No. of Employees

IPO date

29 Jan 2021

Free Float

2,23,48,54,236

Website

https://irfc.co.in/

Phone no.

+911124361480

Address

UG - Floor, East Tower, NBCC Place, Bhisham Pitamah Marg, Lodhi Rd, Pragati Vihar, NEW DELHI, 110003, India

Frequently Asked Questions

What is the current share price of Indian Railway Finance Corporation Ltd.?

The current share price of Indian Railway Finance Corporation Ltd. is ₹ 83.16 as of 7 Sep 2026.

What is the market capitalisation of Indian Railway Finance Corporation Ltd.?

The market capitalisation of Indian Railway Finance Corporation Ltd. stands at ₹ 1,08,991.00 Cr.

What is the PE ratio of Indian Railway Finance Corporation Ltd.?

The Price-to-Earnings (PE) ratio of Indian Railway Finance Corporation Ltd. is 15.16 as of the latest trailing twelve months data.

What is the ROE and ROCE of Indian Railway Finance Corporation Ltd.?

Indian Railway Finance Corporation Ltd. has a Return on Equity (ROE) of 12.81% and a Return on Capital Employed (ROCE) of 5.65% as per the latest financial reports.

What is the 52-week high and low of Indian Railway Finance Corporation Ltd.?

The 52-week high of Indian Railway Finance Corporation Ltd. is - and the 52-week low is -.

What is the dividend yield of Indian Railway Finance Corporation Ltd.?

The dividend yield of Indian Railway Finance Corporation Ltd. is 2.52% based on the current market price.

What is the FII and DII holding in Indian Railway Finance Corporation Ltd.?

Foreign Institutional Investors (FII) hold 1.18%, Domestic Institutional Investors (DII) hold 3.93% and retail/public investors hold 11.77% of Indian Railway Finance Corporation Ltd. shares.

What sector does Indian Railway Finance Corporation Ltd. belong to?

Indian Railway Finance Corporation Ltd. operates in the Financial Services sector.

What is the beta of Indian Railway Finance Corporation Ltd.?

The beta of Indian Railway Finance Corporation Ltd. is 1.31, indicating its price volatility relative to the broader market. Over the past 1 year, Indian Railway Finance Corporation Ltd. has delivered an absolute return of -29.38%.

What is the RSI of Indian Railway Finance Corporation Ltd.?

The 14-day Relative Strength Index (RSI) of Indian Railway Finance Corporation Ltd. is 34.33, placing it approaching oversold territory. An RSI above 70 is considered overbought and below 30 is considered oversold.

Indian Railway Finance Corporation Ltd.

Stock Scores

Key Metrics

Share Price

Stock Analysis

Financial Snapshot

Indian Railway Finance Corporation Ltd. Shareholding Pattern

Holdings and Presence

Bulk, Block and Insider Trades

Corporate Actions

Company Profile

Frequently Asked Questions

Stock Analysis

Company Profile

Holdings and Presence

Corporate Actions