I R F C

Why is Indian Railway Finance Corporation Ltd falling/rising?

As of 22-Jun, the stock price of Indian Railway Finance Corporation Ltd is rising to 100.87, driven by short-term positive trends and increased investor participation. However, its longer-term decline of 19.04% year-to-date and reduced promoter stake may present challenges to sustained growth.

As of 22-Jun, the stock price of Indian Railway Finance Corporation Ltd is rising, currently at 100.87, with a change of 1.41 (1.42%) upward. This increase can be attributed to several factors. Firstly, the stock has outperformed its sector by 0.47% today, indicating a positive trend in comparison to its peers. Additionally, the stock has experienced a trend reversal, gaining after two consecutive days of decline, which may signal renewed investor interest.<BR><BR>Moreover, the stock's performance over the past week shows a gain of 3.91%, significantly higher than the Sensex's increase of 1.09% during the same period. This suggests that the stock is gaining traction among investors. The delivery volume has also seen a rise, indicating increased investor participation, which is a positive sign for the stock's liquidity and trading activity.<BR><BR>However, it is important to note that despite the recent rise, the stock has underperformed over the longer term, with a year-to-date decline of 19.04% and a one-year drop of 24.86%. This underperformance relative to the market may still weigh on investor sentiment. Additionally, the reduction in promoter stake by 1.71% could indicate a lack of confidence in the company's future, which may counterbalance the recent positive movements.<BR><BR>In summary, while the stock is currently rising due to short-term positive trends and increased investor participation, its longer-term performance and promoter confidence may still pose challenges.

Which are the latest news on I R F C?

What does I R F C do?

Indian Railway Finance Corporation Limited (IRFC) is the financing arm of Indian Railways, incorporated in 1986, with a market cap of INR 126,176 Cr and a net profit of INR 1,684 Cr for Q1 2026. Key metrics include a P/E ratio of 18.00 and a dividend yield of 2.08%.

Overview:<BR>Indian Railway Finance Corporation Limited is the dedicated funding arm of the Indian Railways, operating in the finance industry and categorized as a large-cap company.<BR><BR>History:<BR>The company was incorporated on December 12, 1986, and received its Certificate of Commencement of Business on December 23, 1986. The latest quarterly results reported net sales and profit for the period ending March 2026.<BR><BR>Financial Snapshot:<BR>Net Sales: 7,336 Cr (Quarterly Results - Mar 2026) <BR>Net Profit: 1,684 Cr (Quarterly Results - Mar 2026) <BR>Market Cap: INR 126,176 Cr (Large Cap)<BR><BR>Key Metrics:<BR>P/E: 18.00 <BR>Industry P/E: 20 <BR>Dividend Yield: 2.08% <BR>Debt-Equity: 7.69 <BR>Return on Equity: 12.35% <BR>Price to Book: 2.21 <BR><BR>Contact Details:<BR>Registrar Address: Not available. <BR>Phone: N/A <BR>Email: N/A <BR>Website: N/A

How big is I R F C?

As of 10th June, Indian Railway Finance Corporation Ltd has a market capitalization of 126,176.00 Cr and reported net sales of 27,266.37 Cr and net profit of 7,009.17 Cr over the latest four quarters.

As of 10th June, <BR><BR>Market Cap: Indian Railway Finance Corporation Ltd has a market capitalization of 126,176.00 Cr, categorized as Large Cap.<BR><BR>Recent Quarterly Performance: The sum of Net Sales for the latest 4 quarters is 27,266.37 Cr, while the sum of Net Profit for the same period is 7,009.17 Cr.<BR><BR>Balance Sheet Snapshot: The reporting period is March 2025, with Shareholder's Funds amounting to 52,667.77 Cr and Total Assets valued at 4,88,834.68 Cr.

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

The management team of I R F C includes Shelly Verma (Chairman & Managing Director), Baldeo Purushartha (Non-Executive Director), Bhaskar Choradia (Non-Executive Director), Vallabhbhai Maneklal Patel (Independent Director), and Sheela Pandit (Independent Director).

The management team of I R F C includes the following members:<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>If you need more details about their roles or contributions, feel free to ask!

Who are the peers of the I R F C?

I R F C's peers include Power Fin. Corpn., REC Ltd, HUDCO, Indian Renewable, CreditAcc. Gram., IFCI, Tour. Fin. Corp., Muthoot Microfin, and Fusion Finance, with varying management risks and growth rates. I R F C has an average management risk and growth, with a 1-year return of -35.64%, significantly lower than its peers.

Peers: The peers of I R F C are Power Fin.Corpn., REC Ltd, HUDCO, Indian Renewable, CreditAcc. Gram., IFCI, Tour. Fin. Corp., Muthoot Microfin, and Fusion Finance.<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 Fusion Finance, and the rest. Good management risk is seen at CreditAcc. Gram., while Below Average management risk is noted at IFCI and Tour. Fin. Corp. For Growth, Excellent growth is at REC Ltd, while Average growth is found at I R F C, Power Fin.Corpn., HUDCO, and the rest. Good growth is observed at Indian Renewable, while Below Average growth is noted at IFCI, Muthoot Microfin, Fusion Finance, and the rest. In terms of Capital Structure, Excellent capital structure is seen at CreditAcc. Gram., IFCI, Tour. Fin. Corp., Muthoot Microfin, and Fusion Finance, while Good capital structure is found at REC Ltd and HUDCO, and Average capital structure is noted at I R F C, Power Fin.Corpn., and Indian Renewable.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Tour. Fin. Corp. at 61.84%, while I R F C has the lowest at -35.64%. Compared to its peers, I R F C's 1-year return is significantly lower. Additionally, the six-month return is negative for I R F C, REC Ltd, HUDCO, Indian Renewable, and Fusion Finance.

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

The latest results for Indian Railway Finance Corporation Ltd show mixed performance: while interest income increased by 10.19%, net profit declined by 6.54%, and profit margins contracted due to rising interest expenses. Overall, the company's underperformance in the stock market and lower return on equity suggest a cautious outlook.

The latest results for Indian Railway Finance Corporation Ltd (IRFC) present a mixed picture. On one hand, the company reported a sequential increase in interest income, which rose by 10.19% to ₹7,336.05 crores, marking a year-on-year growth of 9.18%. This reflects the ongoing expansion of IRFC's loan book, primarily to Indian Railways, indicating continued demand for railway infrastructure financing.<BR><BR>However, the net profit for the quarter ended March 2026 was ₹1,684.31 crores, which represents a decline of 6.54% compared to the previous quarter. This decline raises concerns, especially as the profit margin has also contracted significantly, falling to 22.96% from 27.07% in the prior quarter. The primary reason for this margin compression is the sharp rise in interest expenses, which surged by 14.80% sequentially, outpacing the growth in interest income.<BR><BR>Additionally, IRFC's stock has underperformed significantly over the past year, declining by 22.88%, compared to a 7.29% decline in the Sensex. This underperformance, coupled with a return on equity (ROE) of 13.74% that lags behind peers, raises questions about the sustainability of its premium valuation.<BR><BR>In summary, while there are positive aspects such as growth in interest income, the overall results highlight challenges related to profitability and market performance, suggesting a cautious outlook for the company.

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

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.

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.

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.

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.

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.

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%.