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Consolidated Standalone

Indian Railway Fin.

₹121.4 1.1 | 0.9%

Market Cap ₹158599 Cr.

Stock P/E 24.4

P/B 2.8

Current Price ₹121.4

Book Value ₹ 43

Face Value 10

52W High ₹166.9

Dividend Yield 1.32%

52W Low ₹ 108.1

Edit Ratio

Indian Railway Fin. Research see more...

Overview Inc. Year: 1986Industry: Finance Term Lending

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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Indian Railway Fin. Share Price

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Peer Comparison

Indian Railway Fin. Quarterly Results

#(Fig in Cr.) Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025
Operating Revenue 6674 6761 6737 6475 6766 6900 6763 6723 6915 6372
Other Income 2 1 3 3 0 1 3 1 3 0
Total Income 6676 6762 6740 6478 6766 6900 6766 6724 6918 6372
Total Expenditure 29 34 35 34 33 38 39 44 47 49
Operating Profit 6646 6728 6705 6444 6733 6862 6727 6680 6871 6323
Interest Expense 5091 5181 5104 4725 5155 5249 5095 4996 5124 4544
Depreciation 4 2 1 2 2 1 1 1 1 1
Profit Before Tax 1551 1545 1599 1717 1577 1613 1631 1682 1746 1777
Provision for Tax 0 0 0 0 0 0 0 0 0 0
Profit After Tax 1551 1545 1599 1717 1577 1613 1631 1682 1746 1777
Adjustments 0 0 0 0 0 0 0 0 0 0
Profit After Adjustments 1551 1545 1599 1717 1577 1613 1631 1682 1746 1777
Adjusted Earnings Per Share 1.2 1.2 1.2 1.3 1.2 1.2 1.2 1.3 1.3 1.4

Indian Railway Fin. Profit & Loss

#(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 26773
Other Income 1 1 1 2 0 0 0 2 44 11 4 7
Total Income 6940 7507 9048 11020 11134 13421 15771 20302 23766 26660 27156 26780
Total Expenditure 34 38 26 38 48 66 113 123 137 137 154 179
Operating Profit 6906 7469 9022 10982 11085 13355 15658 20179 23628 26523 27002 26601
Interest Expense 4992 5519 6888 8437 8183 10163 11237 14075 17447 20101 20495 19759
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 6836
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 6836
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 6836
Adjusted Earnings Per Share 2.1 1.9 0 3.1 2.4 2.7 3.4 4.7 4.7 4.9 5 5.2

Growth Rates

# 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 -21% 70% NA% NA%
ROE Average 13% 14% 14% 12%
ROCE Average 6% 6% 5% 7%

Indian Railway Fin. Balance Sheet

#(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

Indian Railway Fin. Cash Flow

#(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

Indian Railway Fin. Ratios

# 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

Indian Railway Fin. Shareholding Pattern

# Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 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 1.13 1.15 1.08 1.11 1.09 1.01 0.98 0.93 0.97
DII 2.03 1.63 1.16 0.89 1.08 1.08 1.24 1.34 1.46 1.49
Public 10.48 10.87 11.33 11.67 11.45 11.46 11.39 11.32 11.24 11.18
Others 0 0 0 0 0 0 0 0 0 0
Total 100 100 100 100 100 100 100 100 100 100

Pros

  • Company has reduced debt.

Cons

  • Company has a low return on equity of 14% over the last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Indian Railway Fin. News

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