I R F C

Why is Indian Railway Finance Corporation Ltd falling/rising?

As of 10-Jun, the stock price of Indian Railway Finance Corporation Ltd is declining due to significant underperformance compared to the market, reduced promoter confidence, and trading below key moving averages. These factors collectively indicate a lack of investor confidence and a bearish trend for the stock.

As of 10-Jun, the stock price of Indian Railway Finance Corporation Ltd is falling, currently at 94.75, reflecting a change of -1.29 (-1.34%). This decline can be attributed to several factors highlighted in the source data. <BR><BR>Firstly, the stock has underperformed significantly compared to the broader market, with a one-year return of -34.77%, while the market (BSE500) recorded a lesser decline of -5.03%. This stark contrast indicates a lack of investor confidence in the stock's performance relative to its peers.<BR><BR>Additionally, there are concerns regarding promoter confidence, as the promoters have reduced their stake in the company by -1.71% over the previous quarter, now holding 84.65%. This decrease in ownership may signal a lack of faith in the company's future prospects, further contributing to the stock's downward pressure.<BR><BR>Moreover, the stock is trading below its moving averages across various time frames, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages, which typically suggests a bearish trend. <BR><BR>Despite a rise in investor participation, with delivery volume increasing, the overall performance remains weak, as evidenced by the stock's significant decline over the past month (-10.66%) and year-to-date (-23.96%). <BR><BR>In summary, the combination of underperformance against the market, reduced promoter confidence, and trading below key moving averages are primary reasons for the falling stock price of Indian Railway Finance Corporation Ltd.

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

Which are the latest news on I R F C?

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.

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.

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%.

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.

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.