I R F C

Who are the peers of the I R F C?

Peers of I R F C include Power Fin. Corpn., REC Ltd, HUDCO, Indian Renewable, CreditAcc. Gram., IFCI, Muthoot Microfin, Tour. Fin. Corp., and Spandana Sphoort. I R F C has average management risk and growth, with a 1-year return of -25.11%, better than Muthoot Microfin but lower than IFCI's 8.82%.

Peers: The peers of I R F C are Power Fin.Corpn., REC Ltd, HUDCO, Indian Renewable, CreditAcc. Gram., IFCI, Muthoot Microfin, Tour. Fin. Corp., and Spandana Sphoort.<BR><BR>Quality Snapshot: Excellent management risk is observed at Power Fin.Corpn. and REC Ltd, while Average management risk is found at I R F C, HUDCO, Indian Renewable, Muthoot Microfin, and Spandana Sphoort, and Below Average management risk is noted at IFCI and Tour. Fin. Corp. Good growth is seen at Indian Renewable and CreditAcc. Gram., while Average growth is present at I R F C, Power Fin.Corpn., and Muthoot Microfin, and Below Average growth is noted at HUDCO, IFCI, Tour. Fin. Corp., and Spandana Sphoort. Capital Structure is rated Excellent for REC Ltd, HUDCO, CreditAcc. Gram., and Muthoot Microfin, while Average is seen at I R F C, Power Fin.Corpn., and Indian Renewable, and Below Average at IFCI, Tour. Fin. Corp., and Spandana Sphoort.<BR><BR>Return Snapshot: The peer with the highest 1-year return is IFCI at 8.82%, while the lowest is Muthoot Microfin at -40.46%. I R F C's own 1-year return is -25.11%, which is higher than Muthoot Microfin's but lower than IFCI's. Additionally, peers such as REC Ltd, Muthoot Microfin, Spandana Sphoort, and Satin Creditcare have negative six-month returns.

Who are in the management team of I R F C?

As of March 2023, the management team of I R F C includes Shelly Verma (Chairman & Managing Director), Baldeo Purushartha, Bhaskar Choradia (both Non-Executive Directors), and independent directors Vallabhbhai Maneklal Patel and Sheela Pandit. They are responsible for the company's governance and strategic direction.

As of March 2023, the management team of I R F C includes:<BR><BR>1. Shelly Verma - Chairman & Managing Director<BR>2. Baldeo Purushartha - Non Executive Director / Nomin<BR>3. Bhaskar Choradia - Non Executive Director / Nomin<BR>4. Vallabhbhai Maneklal Patel - Independent Director<BR>5. Sheela Pandit - Independent Director<BR><BR>These individuals play key roles in the governance and strategic direction of the company.

What does I R F C do?

Indian Railway Finance Corporation Limited (IRFC) provides financial services to the Indian Railways and was incorporated in 1986. As of March 2025, it reported net sales of ₹67,239 crore and a net profit of ₹16,819 crore, with a market cap of ₹177,078 crore.

Overview: <BR>Indian Railway Finance Corporation Limited is a large-cap company in the finance industry that primarily provides financial services to the Indian Railways.<BR><BR>History: <BR>The company was incorporated on December 12, 1986, as a Public Limited Company and received its Certificate of Commencement of Business on December 23, 1986. The latest quarterly results reported are for March 2025, showing net sales and profit figures.<BR><BR>Financial Snapshot: <BR>Net Sales: 67,239 Cr (Quarterly Results - Mar 2025) <BR>Net Profit: 16,819 Cr (Quarterly Results - Mar 2025) <BR>Market Cap: INR 177,078 Cr (Large Cap) <BR><BR>Key Metrics: <BR>P/E: 27.00 <BR>Industry P/E: 23 <BR>Dividend Yield: 1.70% <BR>Debt Equity: 7.83 <BR>Return on Equity: 12.35% <BR>Price to Book: 3.36 <BR><BR>Contact Details: <BR>Registrar Address: Not available. <BR>Phone: N/A <BR>Email: N/A <BR>Website: N/A

Who are the top shareholders of the I R F C?

The top shareholders of I R F C are the President of India with 86.36%, Life Insurance Corporation of India at 1.05%, and individual investors holding 10.68%. Additionally, 20 mutual fund schemes own 0.21%, and 122 foreign institutional investors have a combined stake of 0.98%.

The top shareholders of I R F C include the President of India, who holds the highest stake at 86.36%. This significant holding reflects the government's involvement in the company. Other notable shareholders include Life Insurance Corporation of India, which holds 1.05%, and individual investors, who collectively own 10.68%. Additionally, the company has 20 mutual fund schemes holding a total of 0.21% and 122 foreign institutional investors (FIIs) with a combined holding of 0.98%.

How big is I R F C?

As of 24th July, Indian Railway Finance Corporation Ltd has a market capitalization of 176,425.00 Cr, with Net Sales of 27,283.29 Cr and a Net Profit of 6,670.87 Cr reported in the latest four quarters. Shareholder's Funds are 49,178.57 Cr and Total Assets are 485,082.43 Cr for the annual period ending March 2024.

As of 24th July, Indian Railway Finance Corporation Ltd has a market capitalization of 176,425.00 Cr, categorizing it as a Large Cap company.<BR><BR>In the latest four quarters, the company reported Net Sales of 27,283.29 Cr and a Net Profit of 6,670.87 Cr.<BR><BR>For the latest annual period ending in March 2024, the Shareholder's Funds amounted to 49,178.57 Cr, while the Total Assets were reported at 485,082.43 Cr.

How has been the historical performance of I R F C?

I R F C has shown consistent financial growth, with net sales increasing from 13,421.02 Cr in Mar'20 to 27,147.85 Cr in Mar'25, and profit after tax rising from 2,139.93 Cr to 6,502.00 Cr in the same period. Total assets grew from 2,75,504.13 Cr to 4,88,834.68 Cr, indicating a strengthening equity position and improved liquidity.

Answer:<BR>The historical performance of I R F C shows a consistent growth trend in net sales and profit over the years, with net sales increasing from 13,421.02 Cr in Mar'20 to 27,147.85 Cr in Mar'25. The total operating income also rose significantly, reaching 27,152.86 Cr in Mar'25, compared to 10,987.35 Cr in Mar'19. Operating profit, excluding other income, has shown a steady increase, from 2,755.76 Cr in Mar'19 to 6,503.76 Cr in Mar'25. Profit before tax has similarly grown, reaching 6,502.00 Cr in Mar'25 from 2,755.34 Cr in Mar'19. The profit after tax has followed this upward trajectory, amounting to 6,502.00 Cr in Mar'25, up from 2,139.93 Cr in Mar'19. <BR><BR>On the balance sheet side, total assets increased from 2,75,504.13 Cr in Mar'20 to 4,88,834.68 Cr in Mar'25, while total liabilities also rose, reaching 4,12,129.40 Cr in Mar'25. Shareholder's funds have grown from 30,299.75 Cr in Mar'20 to 52,667.77 Cr in Mar'25, indicating a strengthening equity position. The cash flow from operating activities improved significantly, with a cash flow of 8,229.00 Cr in Mar'25 compared to negative cash flows in previous years. The closing cash and cash equivalents also saw a notable increase, rising to 5,680.00 Cr in Mar'25 from just 1.00 Cr in Mar'20.<BR><BR>Breakdown:<BR>I R F C has demonstrated robust growth in its financial performance over the years, with net sales climbing from 13,421.02 Cr in Mar'20 to 27,147.85 Cr in Mar'25, reflecting a strong upward trend. The total operating income has similarly increased, reaching 27,152.86 Cr in Mar'25. Operating profit has shown consistent growth, rising from 2,755.76 Cr in Mar'19 to 6,503.76 Cr in Mar'25, while profit before tax has also improved significantly, reaching 6,502.00 Cr in the latest fiscal year. The profit after tax mirrors this growth, amounting to 6,502.00 Cr in Mar'25, indicating effective management and operational efficiency. <BR><BR>On the balance sheet, total assets have expanded from 2,75,504.13 Cr in Mar'20 to 4,88,834.68 Cr in Mar'25, with total liabilities increasing to 4,12,129.40 Cr. Shareholder's funds have strengthened from 30,299.75 Cr to 52,667.77 Cr, showcasing a solid equity base. The cash flow from operating activities has improved markedly, with a positive cash flow of 8,229.00 Cr in Mar'25, contrasting sharply with the negative cash flows recorded in earlier years. The closing cash and cash equivalents have also risen significantly, ending at 5,680.00 Cr in Mar'25, further highlighting the company's improved liquidity position.

Is I R F C overvalued or undervalued?

As of October 16, 2025, I R F C is considered an attractive investment opportunity with a PE ratio of 23.83, significantly lower than its peers, indicating it is undervalued despite a year-to-date return of -16.34%.

As of 16 October 2025, the valuation grade for I R F C has moved from fair to attractive, indicating a positive shift in its perceived value. The company is currently considered undervalued, with a PE ratio of 23.83, a Price to Book Value of 0.29, and an EV to EBITDA ratio of 14.18. These ratios suggest that the stock is trading at a discount compared to its earnings and asset value.<BR><BR>In comparison to its peers, I R F C's PE ratio is significantly lower than that of Bajaj Finance, which is at 38.01, and also lower than Bajaj Finserv at 34.99. Meanwhile, Life Insurance stands out with a very attractive valuation, boasting a PE ratio of 11.63. Despite recent underperformance against the Sensex, with a year-to-date return of -16.34% compared to the Sensex's 6.82%, the overall valuation metrics suggest that I R F C presents a compelling investment opportunity at its current price of 124.65.

Is I R F C technically bullish or bearish?

As of November 24, 2025, I R F C's technical trend has shifted to a moderate bearish stance, driven by bearish MACD, moving averages, and Bollinger Bands, despite a mildly bullish KST signal.

As of 24 November 2025, the technical trend for I R F C has changed from mildly bearish to bearish. The current stance is bearish with a moderate strength. Key indicators driving this assessment include the weekly MACD being bearish, the daily moving averages also indicating bearishness, and both weekly and monthly Bollinger Bands confirming a bearish trend. The KST shows a mildly bullish signal on the weekly timeframe, but this is overshadowed by the overall bearish indicators. The stock has underperformed significantly against the Sensex in the past month and year, further supporting the bearish outlook.

Are Indian Railway Finance Corporation Ltd latest results good or bad?

The latest results for Indian Railway Finance Corporation Ltd show a mixed performance, with a net profit increase of 10.52% year-on-year but a decline in year-on-year interest income and a reduced profit margin. While profitability remains strong, potential challenges may affect future growth.

The latest results for Indian Railway Finance Corporation Ltd (IRFC) present a mixed picture. In Q3 FY26, the company reported a net profit of ₹1,802 crore, which is a 1.42% increase quarter-on-quarter and a notable 10.52% increase year-on-year. This indicates that IRFC is maintaining profitability and showing growth compared to the same period last year.<BR><BR>Interest income also saw a sequential growth of 4.48%, reaching ₹6,657 crore, although it was slightly down by 1.57% year-on-year. This suggests that while the company is generating more income compared to the previous quarter, it faces challenges in sustaining growth compared to the same period last year.<BR><BR>The profit after tax (PAT) margin stands at 27.07%, which is a decrease of 82 basis points from the previous quarter. This margin compression could raise concerns about the sustainability of profitability moving forward.<BR><BR>Overall, while the net profit growth is a positive sign, the decline in interest income year-on-year and the reduction in PAT margin indicate potential challenges ahead. The company remains a crucial player in financing railway infrastructure, backed by strong government ownership, but investors may need to consider these mixed signals when evaluating its performance.

Should I buy, sell or hold Indian Railway Finance Corporation Ltd?

Has Indian Railway Finance Corporation Ltd declared dividend?

Yes, Indian Railway Finance Corporation Ltd has declared a 10% dividend with an ex-date of March 13, 2026. While recent total returns over shorter periods have been negative, longer-term returns indicate significant growth.

Indian Railway Finance Corporation Ltd has declared a 10% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 10%<BR>- Ex-date: 13 Mar 26<BR><BR>Dividend Yield: 1.84%.<BR><BR>Total Returns by Period:<BR>In the last 3 months, the price return was -10.29%, the dividend return was 0.89%, resulting in a total return of -9.4%.<BR><BR>Over the last 6 months, the price return was -20.21%, the dividend return was 1.59%, leading to a total return of -18.62%.<BR><BR>For the 1-year period, the price return was -15.94%, the dividend return was 2.36%, culminating in a total return of -13.58%.<BR><BR>In the 2-year period, the price return was -29.92%, the dividend return was 3.23%, which resulted in a total return of -26.69%.<BR><BR>During the 3-year period, the price return was 259.13%, the dividend return was 22.34%, producing a total return of 281.47%.<BR><BR>Over the last 4 years, the price return was 361.93%, the dividend return was 33.57%, leading to a total return of 395.5%.<BR><BR>In the 5-year period, the price return was 304.42%, the dividend return was 35.11%, resulting in a total return of 339.53%.<BR><BR>Overall, while the company has declared a dividend, the recent total returns over shorter periods have been negative, indicating challenges in price performance. However, the longer-term returns show significant growth, suggesting a potential recovery or strong performance over time.

Why is Indian Railway Finance Corporation Ltd falling/rising?

As of 07-May, the stock price of Indian Railway Finance Corporation Ltd is at 106.70, showing a slight decline after three days of gains and underperforming its sector. Despite strong long-term returns, short-term challenges and waning investor confidence are contributing to its current price drop.

As of 07-May, the stock price of Indian Railway Finance Corporation Ltd is currently at 106.70, reflecting a slight decline of 0.05 (-0.05%). This decrease follows a trend reversal after three consecutive days of gains, indicating a potential shift in market sentiment. The stock has underperformed its sector by 0.66% today, which may contribute to the downward pressure on its price.<BR><BR>Despite a strong long-term performance with a three-year return of 206.26% and a five-year return of 405.69%, the stock has faced challenges in the short term. Year-to-date, it has declined by 14.37%, significantly underperforming the broader market, which has only seen an 8.66% decline. Additionally, the stock's one-year performance shows a negative return of 12.04%, contrasting sharply with the market's positive return of 4.64% during the same period.<BR><BR>Investor confidence appears to be waning, as evidenced by the promoters reducing their stake by 1.71% in the last quarter, which may signal a lack of confidence in the company's future prospects. Furthermore, while the company has shown a profit increase of 7.2% over the past year, the stock's price has not reflected this growth, leading to a high PEG ratio of 2.8 and suggesting that it may be trading at a premium compared to its peers.<BR><BR>Overall, the combination of recent price declines, underperformance relative to the market, and decreasing promoter confidence are contributing factors to the current fall in the stock price of Indian Railway Finance Corporation Ltd.

Which are the latest news on I R F C?

When is the next results date for Indian Railway Finance Corporation Ltd?

The next results date for Indian Railway Finance Corporation Ltd is 14 May 2026.

The next results date for Indian Railway Finance Corporation Ltd is scheduled for 14 May 2026.