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IRFC

IRFC - Indian Railway Finance Corporation Share Price

Finance

127.95+0.43(+0.34%)
Market Closed as of Aug 7, 2025, 15:30 IST

Valuation

Market Cap1.73 LCr
Price/Earnings (Trailing)25.84
Price/Sales (Trailing)6.32
EV/EBITDA6.15
Price/Free Cashflow20.97
MarketCap/EBT25.87
Enterprise Value1.67 LCr

Fundamentals

Revenue (TTM)27.31 kCr
Rev. Growth (Yr)2.2%
Earnings (TTM)6.67 kCr
Earnings Growth (Yr)10.7%

Profitability

Operating Margin24%
EBT Margin24%
Return on Equity12.67%
Return on Assets1.36%
Free Cashflow Yield4.77%

Price to Sales Ratio

Latest reported: 6

Revenue (Last 12 mths)

Latest reported: 27 kCr

Net Income (Last 12 mths)

Latest reported: 7 kCr

Growth & Returns

Price Change 1W-1.4%
Price Change 1M-5.4%
Price Change 6M-6.2%
Price Change 1Y-28.1%
3Y Cumulative Return86.4%

Cash Flow & Liquidity

Cash Flow from Investing (TTM)-10 L
Cash Flow from Operations (TTM)8.23 kCr
Cash Flow from Financing (TTM)-2.57 kCr
Cash & Equivalents5.68 kCr
Free Cash Flow (TTM)8.23 kCr
Free Cash Flow/Share (TTM)6.3

Balance Sheet

Total Assets4.89 LCr
Total Liabilities4.36 LCr
Shareholder Equity52.67 kCr
Net PPE13.8 Cr
Inventory0.00
Goodwill0.00

Capital Structure & Leverage

Debt Ratio0.00
Debt/Equity0.00
Interest Coverage-0.67
Interest/Cashflow Ops1.4

Dividend & Shareholder Returns

Dividend/Share (TTM)2.3
Dividend Yield1.74%
Shares Dilution (1Y)0.00%
Shares Dilution (3Y)0.00%

Risk & Volatility

Max Drawdown-32.1%
Drawdown Prob. (30d, 5Y)1.54%
Risk Level (5Y)31.4%
Pros

Size: It is among the top 200 market size companies of india.

Profitability: Very strong Profitability. One year profit margin are 24%.

Buy Backs: Company has bought back it's stock in the past which is a good thing.

Past Returns: Outperforming stock! In past three years, the stock has provided 86.4% return compared to 14.6% by NIFTY 50.

Smart Money: Smart money is taking extra interest in the stock as they increase their holdings.

Cons

Momentum: Stock is suffering a negative price momentum. Stock is down -5.4% in last 30 days.

The Good, Bad and Ugly
Growth
Measures how quickly a company is expanding through metrics like revenue growth, earnings growth, and cash flow growth over time. Strong growth can indicate future potential.
Profitability
Shows how efficiently a company turns business activities into profit, using metrics like profit margins, return on equity (ROE), and return on assets (ROA).
Size
Indicates the company's market presence through metrics like market capitalization, total assets, and revenue. Size can influence stability and market influence.
Dilution Rank
Tracks how much the company's shares have increased or decreased over time. Lower dilution means existing shareholders maintain stronger ownership stakes.
Balance Sheet
Evaluates the company's financial health by analyzing assets, debts, and equity. A strong balance sheet indicates financial stability and flexibility.
Momentum
Measures the strength and speed of price movements, showing whether the stock is gaining or losing market favor over different time periods.
Technicals
Analyzes price patterns, trading volumes, and other market indicators to identify potential trading opportunities and market trends.
Smart Money
Tracks the investment activities of institutional investors, hedge funds, and other large financial players who often have deep research capabilities.
Insider Trading
Monitors buying and selling of company shares by executives, directors, and other insiders who may have unique insights into the company's prospects.

Investor Care

Dividend Yield1.74%
Dividend/Share (TTM)2.3
Shares Dilution (1Y)0.00%
Earnings/Share (TTM)5.11

Financial Health

Debt/Equity0.00

Technical Indicators

RSI (14d)33.73
RSI (5d)42.83
RSI (21d)34.34
MACD SignalSell
Stochastic Oscillator SignalHold
Grufity SignalSell
RSI SignalHold
RSI5 SignalHold
RSI21 SignalHold
SMA 5 SignalSell
SMA 10 SignalSell
SMA 20 SignalSell
SMA 50 SignalSell
SMA 100 SignalSell

Latest News and Updates from Indian Railway Finance Corp

Updated Jul 27, 2025

This information is AI-generated and may contain inaccuracies. Please verify from multiple sources.

Summary of Latest Earnings Report from Indian Railway Finance Corp

Summary of Indian Railway Finance Corp's latest earnings call, featuring management's outlook on business performance, financial results, and analyst Q&A sessions that highlight key strategic initiatives and market challenges.

Last updated:

In the earnings conference call held on April 29, 2025, the management of Indian Railway Finance Corporation (IRFC) provided an optimistic outlook for the future, highlighting several key forward-looking points.

The profit after tax, net worth, earnings per share (EPS), and debt-equity ratio all showed steady improvement, while the Assets Under Management (AUM) stood at INR 4.6 lakh crores. Management announced a significant shift in business strategy, moving from servicing a single client"”Indian Railways"”to expanding services to multiple clients within the railway ecosystem. This change is expected to drive growth through lower overhead costs and access to less expensive funding sources.

For FY '26, the company has received an initial sanction for INR 60,000 crores in borrowing and has already completed loan transactions exceeding INR 14,000 crores in the first four months of FY '26. Management emphasized that their approach focuses on securing high-quality, A-plus rated assets, minimizing Non-Performing Assets (NPA) risk.

The management is also eager to engage in Public-Private Partnership (PPP) projects as budget announcements point to new opportunities in this space. There's an expectation that their diversified business model will yield significant growth, with the company poised to leverage a market size estimated at INR 2.5 lakh crores associated with linked projects.

Additionally, management indicated that while the AUM may fluctuate due to repayments (estimates range between INR 10,000 crore to INR 20,000 crore annually), the focus remains on disbursements and loan sanctions as key growth indicators. Management remains confident that the new direction heralds a future of risk-free business expansion, which aligns with their strategic vision as they aim to achieve Maharatna status in the near future.

Last updated:

Questions and Answers from the Earnings Transcript

Question 1: "For FY '26, how should we look at our disbursement number as well as AUM growth? Can we go into non-rail link financing?"

Answer: We are currently bound by our Memorandum of Association, which allows financing only to projects with rail linkages"”this market is worth INR 2.5 lakh crores. For FY '26, our board has approved an initial borrowing of INR 60,000 crores. In April alone, we've disbursed INR 5,000 crores. We will clarify our growth outlook in Q2 or Q3. Ultimately, if we reach INR 30,000 crores disbursed, it rivals what we would achieve solely through Indian Railways.


Question 2: "Do we expect our AUM to increase next year, or will it decline because of rundown from existing loans?"

Answer: The critical indicator is disbursements and sanctions. Increased disbursement will positively impact AUM. If we continue sanctioning and disbursing loans effectively, AUM should show improvement. Thus, our focus remains on these metrics rather than just AUM, which is a culmination of both.


Question 3: "What enables us to win projects? Is it just our access to cheaper rates?"

Answer: We have multiple competitive advantages. Our operational costs are exceptionally low, less than 0.1%, and we maintain a high capital adequacy ratio. Having a single client gives us exposure flexibility. Combined with rapid turnaround times, these factors contribute to our competitive edge, not just low rates.


Question 4: "What refinancing opportunities are we exploring, and how much are we looking at?"

Answer: We're excited about refinancing possibilities, as winning bids leads to instant disbursements. While I can't disclose specific project names yet, many refinancing opportunities are in the pipeline. Given our competitive lending costs, we expect to achieve better margins than with Indian Railways.


Question 5: "Have you completed any refinancing in Q4?"

Answer: Not yet; refinancing projects are in progress. There's interest in several bids, but we won't discuss specifics until agreements are in place. The disbursements will commence instantly once we've won those bids.


Question 6: "Can you quantify cumulative sanctions received apart from Indian Railways?"

Answer: Over the past 40 years, we've worked primarily with Indian Railways. Since diversifying began in Q4 last FY, we've successfully sanctioned INR 14,000 crores.


Question 7: "When can we expect disbursements from these sanctioned amounts?"

Answer: We expect most disbursements to happen this FY. The turnaround for project financing is swift, especially with the renewals we've done, despite some agreements allowing for up to two years for complete disbursement.


Question 8: "What should we expect in terms of AUM repayments for FY '26 and FY '27?"

Answer: AUM repayments will be stable, mainly due to our 15-year repayment structure with Indian Railways. You can expect around INR 10,000 to 20,000 crores annually in repayments during this timeframe.

Share Holdings

Understand Indian Railway Finance Corp ownership landscape with insights into key distribution patterns, offering investors a clear view of stakeholder dynamics.

Holding Pattern

Share Holding Details

Shareholder NameHolding %
PRESIDENT OF INDIA ACTING THROUGH MoR86.36%
Life Insurance Corporation Of India1.1%

Overall Distribution

Distribution across major stakeholders

Ownership Distribution

Distribution across major institutional holders

Is Indian Railway Finance Corp Better than it's peers?

Detailed comparison of Indian Railway Finance Corp against industry peers, highlighting key financial metrics, valuation ratios, and performance indicators to provide competitive context within the sector.

Ticker
Name
Mkt Cap
Revenue
Price %, 1M
Returns, 1Y
P/E
P/S
Rev 1-Yr
Inc 1-Yr
PFCPower Finance Corp1.37 LCr1.07 LCr+0.50%-20.90%5.961.29--
RECLTDREC1.06 LCr58.17 kCr+0.60%-34.10%6.261.81--
HUDCOHousing &Urban Development Corp43.77 kCr10.35 kCr-8.80%-31.00%16.154.23--
IREDAIndian Renewable Energy Development Agency43.05 kCr7.2 kCr-10.70%-41.30%26.425.98--
LICHSGFINLic Housing Finance33.38 kCr28.11 kCr-0.50%-20.90%6.131.19--

Sector Comparison: IRFC vs Finance

Comprehensive comparison against sector averages

Comparative Metrics

IRFC metrics compared to Finance

CategoryIRFCFinance
PE25.8417.57
PS6.323.26
Growth2.1 %10.7 %
67% metrics above sector average

Performance Comparison

IRFC vs Finance (2022 - 2025)

IRFC is underperforming relative to the broader Finance sector and has declined by 76.5% compared to the previous year.

Key Insights
  • 1. IRFC is among the Top 5 Finance companies by market cap.
  • 2. The company holds a market share of 2.8% in Finance.
  • 3. In last one year, the company has had a below average growth that other Finance companies.

Income Statement for Indian Railway Finance Corp

Standalone figures (in Rs. Crores)

Balance Sheet for Indian Railway Finance Corp

Standalone figures (in Rs. Crores)

Cash Flow for Indian Railway Finance Corp

Standalone figures (in Rs. Crores)

What does Indian Railway Finance Corporation do?

Indian Railway Finance Corporation (IRFC) is a prominent financial institution specializing in the leasing of rolling stock and railway infrastructure assets within India.

With a market capitalization of Rs. 167,394.4 Crores, the company plays a vital role in the financial landscape by engaging in lending activities and sourcing funds from financial markets to facilitate the acquisition and creation of assets that are leased to the Indian Railways.

Established in 1986 and headquartered in New Delhi, IRFC operates as a non-deposit taking non-banking financial institution focused on infrastructure finance.

In the last 12 months, IRFC reported a revenue of Rs. 27,156.4 Crores, demonstrating significant profitability with a net profit of Rs. 6,502 Crores over the past four quarters. The company also rewards its investors through dividends, offering a yield of 1.8% per year, with a recent distribution of Rs. 2.3 per share.

Notably, IRFC has experienced robust revenue growth of 33.7% over the past three years, solidifying its status as a key player in India's financial and railway sector.

Industry Group:Finance
Employees:42
Website:irfc.co.in