WEBSITE BSE:543257 NSE: IRFC Inc. Year: 1986 Industry: Finance Term Lending
Last updated: 15:59
Indian Railway Finance Corporation Limited operates as a financing organisation in India. The corporation engages in borrowing funds from the monetary markets to finance the purchase/introduction of property which are leased out to the Indian Railways as finance lease. It additionally operates as a non-deposit taking non-banking monetary and infrastructure finance business enterprise. The business enterprise incorporated in 1986 and is primarily based in New Delhi, India.
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Market Cap ₹127026 Cr.
Stock P/E 19.5
P/B 2.2
Current Price ₹97.2
Book Value ₹ 43.3
Face Value 10
52W High ₹148.9
Dividend Yield 1.65%
52W Low ₹ 95.3
Price goes above X
Price falls below X
PE goes above X
PE falls below X
₹ | |
| #(Fig in Cr.) | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 6761 | 6737 | 6475 | 6766 | 6900 | 6763 | 6723 | 6915 | 6372 | 6661 |
| Other Income | 1 | 3 | 3 | 0 | 1 | 3 | 1 | 3 | 0 | 58 |
| Total Income | 6762 | 6740 | 6478 | 6766 | 6900 | 6766 | 6724 | 6918 | 6372 | 6719 |
| Total Expenditure | 34 | 35 | 34 | 33 | 38 | 39 | 44 | 47 | 49 | 104 |
| Operating Profit | 6728 | 6705 | 6444 | 6733 | 6862 | 6727 | 6680 | 6871 | 6323 | 6616 |
| Interest Expense | 5181 | 5104 | 4725 | 5155 | 5249 | 5095 | 4996 | 5124 | 4544 | 4812 |
| Depreciation | 2 | 1 | 2 | 2 | 1 | 1 | 1 | 1 | 1 | 1 |
| Profit Before Tax | 1545 | 1599 | 1717 | 1577 | 1613 | 1631 | 1682 | 1746 | 1777 | 1802 |
| Provision for Tax | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Tax | 1545 | 1599 | 1717 | 1577 | 1613 | 1631 | 1682 | 1746 | 1777 | 1802 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 1545 | 1599 | 1717 | 1577 | 1613 | 1631 | 1682 | 1746 | 1777 | 1802 |
| Adjusted Earnings Per Share | 1.2 | 1.2 | 1.3 | 1.2 | 1.2 | 1.2 | 1.3 | 1.3 | 1.4 | 1.4 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 6939 | 7506 | 9047 | 11019 | 11134 | 13421 | 15770 | 20299 | 23721 | 26649 | 27152 | 26671 |
| Other Income | 1 | 1 | 1 | 2 | 0 | 0 | 0 | 2 | 44 | 11 | 4 | 62 |
| Total Income | 6940 | 7507 | 9048 | 11020 | 11134 | 13421 | 15771 | 20302 | 23766 | 26660 | 27156 | 26733 |
| Total Expenditure | 34 | 38 | 26 | 38 | 48 | 66 | 113 | 123 | 137 | 137 | 154 | 244 |
| Operating Profit | 6906 | 7469 | 9022 | 10982 | 11085 | 13355 | 15658 | 20179 | 23628 | 26523 | 27002 | 26490 |
| Interest Expense | 4992 | 5519 | 6888 | 8437 | 8183 | 10163 | 11237 | 14075 | 17447 | 20101 | 20495 | 19476 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 4 | 14 | 14 | 9 | 5 | 4 |
| Profit Before Tax | 1914 | 1950 | 2133 | 2545 | 2902 | 3192 | 4416 | 6090 | 6167 | 6412 | 6502 | 7007 |
| Provision for Tax | 1156 | 1101 | 1199 | 538 | 647 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Tax | 758 | 849 | 934 | 2007 | 2255 | 3192 | 4416 | 6090 | 6167 | 6412 | 6502 | 7007 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | -0 | 0 | 1 | 1 | 0 | -0 | 0 |
| Profit After Adjustments | 758 | 849 | 934 | 2007 | 2255 | 3192 | 4416 | 6090 | 6168 | 6413 | 6502 | 7007 |
| Adjusted Earnings Per Share | 2.1 | 1.9 | 0 | 3.1 | 2.4 | 2.7 | 3.4 | 4.7 | 4.7 | 4.9 | 5 | 5.4 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 2% | 10% | 15% | 15% |
| Operating Profit CAGR | 2% | 10% | 15% | 15% |
| PAT CAGR | 1% | 2% | 15% | 24% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | -17% | 53% | 32% | NA% |
| ROE Average | 13% | 14% | 14% | 12% |
| ROCE Average | 6% | 6% | 5% | 7% |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 8682 | 11525 | 12010 | 13565 | 25029 | 30300 | 35913 | 40996 | 44680 | 49179 | 52668 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Borrowings | 61784 | 75892 | 96710 | 114854 | 170947 | 230513 | 320214 | 388417 | 418929 | 399383 | 394467 |
| Current Liability | 12218 | 14824 | 12797 | 25471 | 13165 | 17229 | 24995 | 20568 | 26737 | 34502 | 40200 |
| Other Liabilities & Provisions | 4963 | 6159 | 8132 | 8442 | 8 | 10 | 9 | 12 | 13 | 2019 | 1500 |
| Total Liabilities | 87647 | 108400 | 129650 | 162332 | 209148 | 278052 | 381130 | 449993 | 490359 | 485082 | 488835 |
| Loans | 2053 | 2127 | 1945 | 4997 | 5895 | 6423 | 6970 | 6825 | 5933 | 4945 | 5172 |
| Investments | 9 | 8 | 7 | 5 | 13 | 12 | 12 | 10 | 14 | 54 | 38 |
| Fixed Assets | 12 | 12 | 12 | 11 | 11 | 11 | 45 | 38 | 19 | 22 | 18 |
| Other Loans | 2158 | 9452 | 22613 | 37388 | 3 | 3 | 19 | 19 | 47 | 0 | 0 |
| Other Non Current Assets | 76483 | 86307 | 93986 | 105824 | 125073 | 150383 | 166195 | 201999 | 250238 | 446955 | 440715 |
| Current Assets | 6932 | 10494 | 11087 | 14106 | 78152 | 121220 | 207889 | 241102 | 234109 | 33108 | 42892 |
| Total Assets | 87647 | 108400 | 129650 | 162332 | 209148 | 278052 | 381130 | 449993 | 490359 | 485082 | 488835 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 237 | 5 | 1211 | 8 | 1 | 4 | 1 | 297 | 106 | 163 | 23 |
| Cash Flow from Operating Activities | -1292 | -16377 | -19455 | -27936 | -41748 | -62701 | -89907 | -64412 | -28588 | 7914 | 8230 |
| Cash Flow from Investing Activities | 2 | 2 | 2 | 2 | 1 | 1 | 0 | -5 | 0 | -8 | -0 |
| Cash Flow from Financing Activities | 1058 | 17582 | 18250 | 28027 | 41749 | 62697 | 90202 | 64266 | 28644 | -8046 | -2572 |
| Net Cash Inflow / Outflow | -232 | 1206 | -1204 | 92 | 3 | -2 | 296 | -151 | 56 | -140 | 5658 |
| Closing Cash & Cash Equivalent | 5 | 1211 | 8 | 100 | 4 | 1 | 297 | 146 | 163 | 23 | 5680 |
| # | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 2.12 | 1.88 | 0.01 | 3.08 | 2.4 | 2.69 | 3.38 | 4.66 | 4.72 | 4.91 | 4.98 |
| CEPS(Rs) | 2.12 | 1.88 | 0.01 | 3.08 | 2.4 | 2.69 | 3.38 | 4.67 | 4.73 | 4.91 | 4.98 |
| DPS(Rs) | 0.42 | 0.75 | 0.01 | 0.57 | 0.4 | 0.42 | 1.05 | 1.4 | 1.5 | 1.5 | 1.6 |
| Book NAV/Share(Rs) | 22.71 | 21.04 | 0.18 | 20.78 | 26.68 | 25.5 | 27.48 | 31.37 | 34.19 | 37.63 | 40.3 |
| Net Profit Margin | 10.93 | 11.31 | 10.32 | 18.22 | 20.25 | 23.78 | 28 | 30 | 26 | 24.06 | 23.95 |
| Operating Margin | 99.53 | 99.5 | 99.72 | 99.67 | 99.56 | 99.51 | 99.26 | 99.34 | 99.55 | 99.49 | 99.43 |
| PBT Margin | 27.59 | 25.98 | 23.58 | 23.1 | 26.06 | 23.78 | 28 | 30 | 26 | 24.06 | 23.95 |
| ROA(%) | 0.88 | 0.87 | 0.78 | 1.38 | 1.21 | 1.31 | 1.34 | 1.47 | 1.31 | 1.31 | 1.34 |
| ROE(%) | 9.8 | 9.61 | 8.67 | 15.7 | 11.68 | 11.54 | 13.34 | 15.84 | 14.4 | 13.66 | 12.77 |
| ROCE(%) | 8.77 | 8.35 | 8.3 | 8.23 | 6.38 | 5.76 | 5.02 | 5.12 | 5.29 | 5.73 | 5.83 |
| Price/Earnings(x) | 0 | 0 | 0 | 0 | 0 | 0 | 6.79 | 4.6 | 5.64 | 29.02 | 24.99 |
| Price/Book(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0.84 | 0.68 | 0.78 | 3.78 | 3.09 |
| Dividend Yield(%) | 0 | 0 | 0 | 0 | 0 | 0 | 4.58 | 6.53 | 5.64 | 1.05 | 1.29 |
| EV/Net Sales(x) | 10.79 | 12.1 | 12.48 | 12.83 | 16.46 | 18.34 | 22.36 | 20.5 | 19.1 | 22.43 | 20.94 |
| EV/Core EBITDA(x) | 10.84 | 12.16 | 12.52 | 12.87 | 16.53 | 18.43 | 22.52 | 20.62 | 19.18 | 22.53 | 21.05 |
| Interest Earned Growth(%) | 12.15 | 8.18 | 20.52 | 21.79 | 1.04 | 20.55 | 17.51 | 28.72 | 16.86 | 12.34 | 1.89 |
| Net Profit Growth | 8.22 | 11.92 | 10.03 | 114.96 | 12.33 | 41.57 | 38.35 | 37.9 | 1.27 | 3.97 | 1.4 |
| EPS Growth(%) | 1.22 | -11.38 | -99.24 | 0 | -21.85 | 11.78 | 25.77 | 37.9 | 1.27 | 3.97 | 1.4 |
| Interest Coverage(x) % | 1.38 | 1.35 | 1.31 | 1.3 | 1.35 | 1.31 | 1.39 | 1.43 | 1.35 | 1.32 | 1.32 |
| # | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 86.36 | 86.36 | 86.36 | 86.36 | 86.36 | 86.36 | 86.36 | 86.36 | 86.36 | 86.36 |
| FII | 1.13 | 1.15 | 1.08 | 1.11 | 1.09 | 1.01 | 0.98 | 0.93 | 0.97 | 0.98 |
| DII | 1.63 | 1.16 | 0.89 | 1.08 | 1.08 | 1.24 | 1.34 | 1.46 | 1.49 | 1.55 |
| Public | 10.87 | 11.33 | 11.67 | 11.45 | 11.46 | 11.39 | 11.32 | 11.24 | 11.18 | 11.11 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 1128.64 | 1128.64 | 1128.64 | 1128.64 | 1128.64 | 1128.64 | 1128.64 | 1128.64 | 1128.64 | 1128.64 |
| FII | 14.82 | 15 | 14.16 | 14.5 | 14.27 | 13.18 | 12.78 | 12.21 | 12.7 | 12.82 |
| DII | 21.3 | 15.12 | 11.59 | 14.05 | 14.13 | 16.19 | 17.5 | 19.07 | 19.43 | 20.26 |
| Public | 142.09 | 148.09 | 152.45 | 149.66 | 149.81 | 148.84 | 147.93 | 146.93 | 146.07 | 145.13 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 1306.85 | 1306.85 | 1306.85 | 1306.85 | 1306.85 | 1306.85 | 1306.85 | 1306.85 | 1306.85 | 1306.85 |
* The pros and cons are machine generated.
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