Indian Railway Finance Corporation Limited
IRFC · General/Diversified · NSE
₹103
Current Market Price
Fair Value (DCF)
₹123
Margin of Safety
+19.0%
Updated just now
YieldIQ Score
55/100
Piotroski F-Score
6/9
Economic Moat
Narrow
Confidence
15%
ROE
12.3%
Debt/Equity
0.00
WACC
9.8%
Market Cap
₹1.35 Lakh Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
320.0%
Return on capital employed
EV / EBITDA
38.1×
Enterprise multiple
Debt / EBITDA
28.8×
Leverage vs earnings
Interest Coverage
1.8×
EBIT covers interest
Current Ratio
1.08×
Short-term liquidity
Asset Turnover
0.05×
Revenue per ₹ of assets
Revenue CAGR (3Y)
10.1%
3-year revenue growth
Revenue CAGR (5Y)
—
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹102.99
Bear case
₹0
MoS -Infinity%
Base case
₹122.59
MoS +16.0%
Bull case
₹128.72
MoS +20.0%
Ratio Trends
IRFC · last 5 annual periods
ROE
12.3%
ROCE
3.1%
Operating Margin
—
Debt / Equity
7.83×
PE
26.2×
EV / EBITDA
21.0×
Historical Financials
IRFC · Annual, last 5 years· amounts in ₹Cr unless noted
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR |
|---|---|---|---|---|---|---|
| Revenue | ₹15.8K Cr | ₹20.3K Cr | ₹6236 Cr | ₹6474 Cr | ₹27.1K Cr | +14.5% |
| EBITDA | — | ₹11.6K Cr | ₹11.3K Cr | ₹12.1K Cr | ₹14.5K Cr | +5.8% |
| EBIT | ₹15.7K Cr | ₹20.2K Cr | ₹6222 Cr | ₹6442 Cr | — | -19.9% |
| PAT | ₹4416 Cr | ₹6090 Cr | ₹1328 Cr | ₹1717 Cr | ₹6502 Cr | +10.2% |
| EPS (diluted) | ₹3.66 | ₹4.66 | ₹1.02 | ₹1.32 | — | -22.5% |
| CFO | ₹-89.9K Cr | ₹-64.4K Cr | ₹-28.6K Cr | ₹7914 Cr | ₹8230 Cr | — |
| CapEx | — | — | — | — | ₹-0.8 Cr | — |
| FCF | — | — | — | — | ₹8229 Cr | +0.0% |
| Total Assets | — | ₹449.4K Cr | ₹491.1K Cr | ₹485.1K Cr | ₹488.8K Cr | +2.1% |
| Total Debt | ₹144.5K Cr | ₹194.2K Cr | ₹202.8K Cr | ₹186.9K Cr | ₹412.1K Cr | +29.9% |
| Shareholders' Equity | — | — | ₹45.5K Cr | ₹49.2K Cr | ₹52.7K Cr | +3.7% |
CAGR computed across the visible window. Signs reverse if start value is zero or negative.
Peer Comparison
IRFC vs 5 closest peers by market-cap band
| Peer | MoS | Score | Verdict | ROE | PE |
|---|---|---|---|---|---|
| CHOLAFIN Cholamandalam Investment and Finance Company Limited | +10.5% | 47 | Fairly valued | 18.0% | — |
| MUTHOOTFIN Muthoot Finance Limited | +88.0% | 55 | Undervalued | 17.8% | — |
| PFC Power Finance Corporation Limited | -100.0% | 17 | Data Limited | 14.8% | — |
| RECLTD REC Limited | -100.0% | 20 | Data Limited | 20.3% | — |
| SHRIRAMFIN Shriram Finance Limited | +24.3% | 47 | Undervalued | 16.9% | — |
Click a ticker to view its fair-value analysis.
Dividend History
11 ex-dividend events on file. Source: NSE corporate-actions feed.
Total paid (5Y)
₹8.10/sh
Last payout
2026-03-13
₹1.05
Peak payout
₹1.05
Trailing yield
2.04%
Amounts parsed from NSE subject lines; percent-of-face-value declarations are not converted and shown as missing.
AI Analysis Summary
Model-generated description of metrics. Not investment advice. Indian Railway Finance Corporation Limited (IRFC.NS) trades at 102.99 vs a model fair value of 122.59, a gap of 19.0%. Piotroski F-score:...
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Market-implied growth
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Risk Analysis
Volatility & drawdown
Risk profile of IRFC →
DuPont
ROE decomposition
Why ROE is what it is →
Technicals
RSI, MACD, MAs
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News & Filings
Recent activity
BSE filings + news for IRFC →
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Analyse IRFCNow →Model estimates using publicly available data. Not investment advice. YieldIQ is not registered with SEBI as an investment adviser or research analyst. Past performance does not guarantee future results.