Indian Railway Finance Corporation
Indian Railway Finance Corporation Limited valuation: P/E, P/B and sector benchmarks.
Twelve years of multiples investors have paid for Indian Railway Finance Corporation Limited, framed against the sector median so the premium or discount is obvious at a glance.
Indian Railway Finance Corporation Limited trades at a P/E of 16.30× and P/B of 2.01×, against the Financial Services sector median P/E of 18.38×.
Valuation
Profitability
Growth
Financial Health
Indian Railway Finance Corporation Limited chart patterns: breakouts, tops and bottoms.
Auto-detected classical chart patterns for Indian Railway Finance Corporation Limited — Double Top/Bottom, Head & Shoulders, Triple Bottom and more — with break levels, targets and quality scores across Intraday, Daily and Weekly timeframes.
Indian Railway Finance Corporation Limited financials: P&L, balance sheet, cash flow, ratios.
Twelve years of audited numbers for Indian Railway Finance Corporation Limited, switchable between annual and quarterly views, consolidated or standalone.
Indian Railway Finance Corporation Limited reports its full P&L, balance sheet, cash flow and ratios on this page — current market capitalisation of ₹1,22,451.9 Cr and reported EPS of ₹5.36.
Indian Railway Finance Corporation segment analysis: revenue and profit mix.
Disclosed business segments at Indian Railway Finance Corporation with their share of revenue and profit, switchable between consolidated and standalone reporting.
Indian Railway Finance Corporation discloses revenue and profit across multiple business segments — toggle between consolidated and standalone views to see the mix.
Segment-wise Financial Analysis
Indian Railway Finance Corporation Limited investment thesis: bull case, bear case, and the flip lines.
Why someone would buy Indian Railway Finance Corporation Limited, why someone wouldn't, and the quantitative tripwires that would force the call to flip.
Indian Railway Finance Corporation Limited's investment case rests on 8 positive markers and 9 flagged concerns drawn from the latest reported filings.
What you're getting.
IRFC boasts a very strong promoter holding of 86.4%, indicating significant confidence in the company's future prospects and stability, which can reassure investors about long-term commitment.
The company demonstrates a healthy Return on Equity (ROE) of 12.80%, suggesting efficient utilization of shareholder funds and strong profitability, which is attractive for equity investors.
IRFC maintains an impressive Operating Profit Margin (OPM) of 99.30%, showcasing its robust operational efficiency and ability to generate substantial profits from its core activities.
The current P/E ratio of 23.90, combined with a 10.20% quarterly profit growth, suggests a reasonable valuation for its earnings potential, appealing to growth-oriented investors.
As a key financier for Indian Railways, IRFC is well-positioned to benefit from the government's significant infrastructure spending and expansion plans in the railway sector.
What can break it.
IRFC carries a substantial debt burden, with a high debt-to-equity ratio of 7.25. This elevated leverage increases financial risk and vulnerability to interest rate fluctuations.
The relatively low Return on Capital Employed (ROCE) of 5.83% suggests that the company may not be efficiently utilizing its capital to generate returns, lagging behind some industry peers.
Quarterly sales have seen a decline of -7.65% to ₹6372 Cr, which could signal challenges in revenue generation or market demand, warranting close monitoring by investors.
The stock has experienced significant volatility, with a 52-week high of ₹167 and a low of ₹108, indicating considerable market risk and potential for sharp price fluctuations.
Low FII (0.97%) and DII (1.48%) shareholding, alongside public (11.17%), could lead to limited liquidity and higher price volatility, posing a risk for investors.
What would change my mind.
Trim if P/E re-rates above 21 (~1.1× the sector multiple of 18.4). The valuation cushion thins from there.
Reassess if quarterly profit growth prints below 0% for two consecutive quarters. The bull case relies on compounding earnings.
Watch interest coverage if debt-to-equity climbs above 773.85. Balance sheet risk re-prices growth multiples fast.
Exit if ROE slips below 8%. The operating engine is no longer compounding capital efficiently.
Indian Railway Finance Corporation Limited peer comparison — same-sector benchmarks.
Same-sector listed peers ranked on P/E, market cap, dividend yield and growth — Indian Railway Finance Corporation Limited is highlighted for quick read-across.
Quick Compare
Indian Railway Finance Corporation Limited technical analysis: indicators, pivots and CPR.
Live RSI, MACD and moving-average signals plus today's pivot and Central Pivot Range levels for Indian Railway Finance Corporation Limited — derived from the live tape, not yesterday's close.
Indian Railway Finance Corporation Limited last traded at ₹93.35 with an intraday range of ₹92.92–₹94.75 — live indicator, pivot and CPR signals below.
Pivot points
Standard pivot — most widely referenced.
Pivot levels · Classic
Live: ₹93.35| Level | Price (₹) | Distance | % Δ |
|---|---|---|---|
| R4 | 98.09 | +4.74 | +5.07% |
| R3 | 96.26 | +2.91 | +3.11% |
| R2 | 95.50 | +2.15 | +2.31% |
| R1 | 94.43 | +1.08 | +1.15% |
| PIVOT | 93.67 | 0.32 | 0.35% |
| CURRENT | 93.35 | — | — |
| S1 | 88.94 | -4.41 | -4.73% |
| S2 | 90.77 | -2.58 | -2.77% |
| S3 | 91.84 | -1.51 | -1.61% |
| S4 | 92.60 | -0.75 | -0.81% |
IRFC is trading Below CPR, indicating Bearishness
CPR is Average
Day's range: 93.6 ~ 94.28
Trading Below opening range, showing Bearishness
Indian Railway Finance Corporation Limited delivery volume — last 20 sessions of conviction.
Daily traded volume and delivery percentage for Indian Railway Finance Corporation Limited over 20 sessions — the gap between intraday flipping and genuine accumulation.
Latest session delivery in Indian Railway Finance Corporation Limited stood at 38.3% of traded volume, against a 20-day average of 34.6%.
Indian Railway Finance Corporation announcements: results, concalls, ratings, M&A.
Filings Indian Railway Finance Corporation sent to the exchanges, sequenced as they hit the tape — concall transcripts, results, credit ratings and presentations.
Indian Railway Finance Corporation files concall transcripts, results, credit ratings and corporate-action notices on the NSE and BSE exchange portals — latest 130 documents below.
Press Release
Indian Railway Finance Corporation Limited has informed the Exchange regarding a press release dated May 25, 2026, titled "IRFC signs Rs 13,527 cr…
Updates
Indian Railway Finance Corporation Limited has informed the Exchange regarding 'Annual Secretarial Compliance Report for the year ended 31st March…
Analysts/Institutional Investor Meet/Con. Call Updates
Indian Railway Finance Corporation Limited has informed the Exchange about Link of Recording
Copy of Newspaper Publication
Indian Railway Finance Corporation Limited has informed the Exchange about Copy of Newspaper Publication
Press Release
Indian Railway Finance Corporation Limited has informed the Exchange regarding a press release dated May 14, 2026, titled "Press Release: Results for…
Investor decks & rating reports.
Indian Railway Finance Corporation dividend history, splits and bonus issues.
Every dividend, stock split and bonus issue Indian Railway Finance Corporation has declared, sequenced by announce and record date.
Indian Railway Finance Corporation corporate-action history below covers all declared dividends, stock splits and bonus issues recorded with NSE and BSE.
About Indian Railway Finance Corporation Limited: business, sector, key facts.
What Indian Railway Finance Corporation Limited does, where it operates, the people running it, and the numbers that describe the entity behind the ticker.
Indian Railway Finance Corporation Limited operates in the Financial Services, listed as NSE: IRFC, BSE: 543257.
Indian Railway Finance Corporation Limited (IRFC) is a specialized financial institution primarily focused on financing the Indian Railways' rolling stock and infrastructure assets. Its core business model revolves around leasing assets to the Indian Railways, a significant and consistent client. This leasing arrangement allows the railways to access necessary equipment without the burden of outright purchase, while IRFC generates revenue through lease payments. IRFC essentially acts as a bridge between the need for railway assets and the capital required to procure them.
The company's operations are built upon a two-pronged approach: acquisition and leasing. IRFC borrows funds from various financial markets, both domestically and potentially internationally, to finance the purchase or creation of railway assets. These assets, ranging from locomotives and passenger coaches to track and signaling equipment, are then leased out to Indian Railways under pre-determined agreements. This structure allows IRFC to manage its risk profile effectively while providing crucial financial support to the development of India's extensive rail network.
IRFC’s role is vital for the expansion and modernization of the Indian Railways. By providing a dedicated and reliable source of funding, IRFC allows the railways to focus on operational efficiency and service improvements rather than being hampered by protracted acquisition processes. The long-term nature of the lease agreements provides IRFC with a stable revenue stream, supporting its continued lending capacity and contributing to the sustained growth of the Indian railway infrastructure.
As a non-deposit taking non-banking financial company (NBFC) and an infrastructure finance company, IRFC operates under specific regulatory frameworks. It manages its financial resources carefully, balancing the needs of its borrowing and lending activities. The company's long history, starting in 1986, reflects its consistent role in supporting the Indian Railways and its contribution to the country's economic development. Its success is intrinsically linked to the performance and growth of the Indian Railways.
Questions investors ask about Indian Railway Finance Corporation Limited (IRFC).
Quick answers grounded in this page's data — price action, fundamentals, ratios and ownership.
01What is the current share price of Indian Railway Finance Corporation Limited (IRFC)?
The current share price of Indian Railway Finance Corporation Limited (IRFC) is ₹93.35. Today, the stock has declined by ₹5.32 (5.39%), trading in a range of ₹92.92 to ₹94.75. The stock opened at ₹94 with a trading volume of 5,42,52,776 shares.
02Is Indian Railway Finance Corporation Limited stock a good investment for long-term?
Indian Railway Finance Corporation Limited can be considered for long-term investment based on several factors. The company has a market capitalization of ₹1,22,451.9 crores, P/E ratio of 16.30, ROE of 12.81%, and ROCE of 5.83%. The dividend yield stands at 2.13%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
03What is the 52-week high and low price of Indian Railway Finance Corporation Limited stock?
The 52-week high price of Indian Railway Finance Corporation Limited (IRFC) is ₹143.15, while the 52-week low is ₹87. Currently trading at ₹93.35, the stock is 11.3% away from its 52-week low and 34.8% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
04Should I buy Indian Railway Finance Corporation Limited stock at the current price?
Whether to buy Indian Railway Finance Corporation Limited stock at ₹93.35 depends on multiple factors. The stock is currently trading with a P/E ratio of 16.30 and P/B ratio of 2.01. Today's performance shows a loss of 5.39%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
05What is the dividend yield of Indian Railway Finance Corporation Limited and when is the next dividend?
Indian Railway Finance Corporation Limited offers a dividend yield of 2.13%, which means for every ₹100 invested at the current price of ₹93.35, you can expect to receive approximately ₹2.13 annually as dividends. The face value of the stock is ₹10.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
06What are the key financial ratios and metrics of Indian Railway Finance Corporation Limited?
Indian Railway Finance Corporation Limited's key financial metrics include: P/E Ratio: 16.30, P/B Ratio: 2.01, ROE: 12.81%, ROCE: 5.83%, Dividend Yield: 2.13%, EPS: ₹5.36, Book Value: ₹43.46, and Debt-to-Equity: 773.35. The company's market cap stands at ₹1,22,451.9 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
07How is Indian Railway Finance Corporation Limited stock performing today in the market?
Indian Railway Finance Corporation Limited stock opened at ₹94 and is currently trading at ₹93.35, showing a decline of ₹5.32 (5.39%). The intraday high is ₹94.75 and low is ₹92.92. The trading volume stands at 5,42,52,776 shares, indicating strong market participation today.
08What is the P/E ratio of Indian Railway Finance Corporation Limited and what does it indicate?
Indian Railway Finance Corporation Limited has a Price-to-Earnings (P/E) ratio of 16.30, which means investors are willing to pay ₹16.30 for every ₹1 of earnings. With an EPS of ₹5.36, this P/E ratio indicates moderate valuation in line with market standards. Compare this with industry peers and historical P/E ratios for better context.
The data, ratios and commentary about Indian Railway Finance Corporation Limited (IRFC) on this page are published for educational and informational purposes only and are not investment, legal or tax advice. StockeZee is not a SEBI-registered investment adviser, research analyst or portfolio manager, and no content here should be construed as a recommendation to buy, hold or sell any security. Live and historical market data may be delayed, revised by the exchanges, or contain errors; figures sourced from third-party feeds and corporate disclosures may not always be current. Past performance is not indicative of future results, and equity investments carry the risk of capital loss. Before acting on anything you read here, please consult a SEBI-registered financial advisor and read all scheme-related documents carefully.
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