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.

When is the next results date for I R F C?

I R F C will declare its results on 22 July 2025.

I R F C will declare its results on 22 July 2025.

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.

Are I R F C latest results good or bad?

IRFC's latest results show a record net profit of ₹1,776.98 crores, up 10.19% year-on-year, but a concerning 7.67% decline in net sales, raising sustainability questions. Overall, the results are mixed, leading to a "SELL" rating and caution for investors.

IRFC's latest results present a mixed picture. On one hand, the company achieved a record net profit of ₹1,776.98 crores for Q2 FY26, reflecting a modest increase of 1.79% quarter-on-quarter and a significant year-on-year growth of 10.19%. This translates to an impressive net profit margin of 27.89%, which is a positive indicator of profitability.<BR><BR>However, the top-line growth is concerning, as net sales declined by 7.67% quarter-on-quarter and 7.65% year-on-year, marking the lowest revenue figure in the past eight quarters. This decline raises questions about the sustainability of the company's profitability, especially in light of decreasing demand for railway financing.<BR><BR>Overall, while IRFC's profitability metrics are strong, the significant drop in revenue and concerns over its high valuation and technical momentum suggest that the results are not entirely favorable. The company currently holds a "SELL" rating with a score of 37 out of 100, indicating that investors should approach with caution.

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.

Should I buy, sell or hold I R F C?

Has I R F C declared dividend?

Yes, Indian Railway Finance Corporation Ltd has declared a 10% dividend, with an ex-date of October 24, 2025. While recent short-term returns have been negative, longer-term returns over 2 to 4 years show significant growth.

Indian Railway Finance Corporation Ltd has declared a 10% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 10%<BR>- Ex-date: 24 Oct 25<BR><BR>Dividend Yield: 1.28%.<BR><BR>Total Returns by Period:<BR>In the 3 Months period, the price return was -8.01%, the dividend return was 0.75%, resulting in a total return of -7.26%.<BR><BR>In the 6 Months period, the price return was -3.41%, the dividend return was 0.76%, leading to a total return of -2.65%.<BR><BR>In the 1 Year period, the price return was -17.29%, the dividend return was 1.80%, culminating in a total return of -15.49%.<BR><BR>In the 2 Years period, the price return was 63.39%, the dividend return was 5.70%, which resulted in a total return of 69.09%.<BR><BR>In the 3 Years period, the price return was 483.84%, the dividend return was 24.83%, giving a total return of 508.67%.<BR><BR>In the 4 Years period, the price return was 427.06%, the dividend return was 27.17%, resulting in a total return of 454.23%.<BR><BR>In the 5 Years period, the price return was 0%, the dividend return was 0%, leading to a total return of 0.0%.<BR><BR>Overall, the company has declared a dividend, and while recent returns over shorter periods have been negative, longer-term returns show significant growth, particularly in the 2 to 4-year periods.

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.

Why is I R F C falling/rising?

As of 12-Dec, the stock price of Indian Railway Finance Corporation Ltd (IRFC) is at 113.80, reflecting a recent increase but significant underperformance over the past year with a decline of 30.06%. Despite a slight recent rise, the stock struggles with disappointing financial results and remains below key moving averages.

As of 12-Dec, the stock price of Indian Railway Finance Corporation Ltd (IRFC) is currently at 113.80, reflecting a change of 0.6 (0.53%) increase. This rise can be attributed to a recent trend where the stock has gained for the last two days, resulting in a total return of 1.38% during this period. However, despite this short-term gain, the stock has significantly underperformed over longer periods, with a year-to-date decline of 23.62% and a one-year drop of 30.06%. <BR><BR>The stock's performance today is noted to be below the sector average, underperforming by 0.59%. Additionally, while the stock is trading above its 5-day moving averages, it remains below the 20-day, 50-day, 100-day, and 200-day moving averages, indicating a mixed performance trend. <BR><BR>Investor participation has shown some positive signs, with a delivery volume of 7.5 lacs, which has remained stable compared to the 5-day average. However, the overall liquidity remains adequate for trading, with a value of Rs 1.76 crore based on 2% of the 5-day average traded value.<BR><BR>Financially, the company has a return on equity (ROE) of 12.2 and is trading at a price-to-book value of 2.6, which is a premium compared to its peers. Despite a 5.1% increase in profits over the past year, the stock's negative returns indicate a disconnect between profitability and stock performance. The recent flat results in September, with the lowest operating profit to net sales ratio at 99.23% and net sales at Rs 6,371.89 crore, further contribute to the stock's struggles.<BR><BR>In summary, while IRFC is experiencing a slight rise in price recently, the broader context shows significant underperformance over the past year, driven by disappointing financial results and a lack of momentum compared to the market.

Which are the latest news on I R F C?