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.

Which are the latest news on I R F C?

Why is I R F C falling/rising?

As of 04-Dec, the stock price of Indian Railway Finance Corporation Ltd (IRFC) is slightly rising at 114.85, following five days of decline. However, it has underperformed significantly over the year, with a 22.92% decline, and faces ongoing challenges due to its high valuation and negative investor sentiment.

As of 04-Dec, the stock price of Indian Railway Finance Corporation Ltd (IRFC) is rising slightly, with a current price of 114.85, reflecting a change of 0.1 (0.09%) upwards. This increase comes after a trend reversal, as the stock has gained after five consecutive days of decline. Despite this recent uptick, the stock has shown a significant underperformance over the longer term, with a year-to-date decline of 22.92% compared to a 9.12% gain in the benchmark Sensex.<BR><BR>The stock's performance today is described as inline with the sector, but it is trading below its moving averages across various time frames, indicating a generally bearish trend. Additionally, while the stock has experienced a slight increase in investor participation, with a delivery volume that has remained stable, it still faces challenges due to its historical performance. Over the past year, the stock has generated a return of -23.99%, which is significantly lower than the market average return of 2.42%.<BR><BR>Financially, the company has shown a profit increase of 5.1% despite the stock's decline, but its high PEG ratio of 4.3 and a Price to Book Value of 2.7 suggest that it is trading at a premium compared to its peers. This valuation, combined with flat results in recent quarters, including the lowest operating profit to net sales ratio, contributes to the stock's volatility and overall negative sentiment among investors. Thus, while there is a minor rise in the stock price today, the broader context indicates ongoing challenges that may affect its future performance.