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  7. Indian Railway Finance Corporation Ltd
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HomeStocksFinancial InstitutionIndian Railway Finance Corporation Ltd

Indian Railway Finance Corporation Ltd Stock Price Today (NSE: IRFC)

Indian Railway Finance Corporation Ltd

IRFCFinancial Institution
₹87.23₹2.79 (2.93%)↓
As on 30 Mar 2026, 12:06 pm ISTMarket Closed

Fundamental Score

...

Indian Railway Finance Corporation Ltd Share Price — Live NSE/BSE Price, Fundamentals & Analysis

Indian Railway Finance Corporation Ltd share price today is ₹87.23, down 2.93% on NSE/BSE as of 30 March 2026. Indian Railway Finance Corporation Ltd (IRFC) is a Large-cap company in the Financial Institution sector with a market capitalisation of ₹1.53L (Cr). The 52-week high for IRFC share price is ₹148.95 and the 52-week low is ₹89.20. At a P/E ratio of 22.38x, IRFC is currently trading above its industry average P/E of 22.38x. The company has a Return on Equity (ROE) of 12.77% and a debt-to-equity ratio of 7.25.

Indian Railway Finance Corporation Ltd Share Price Chart — NSE/BSE Historical Performance

No data
High
₹0.00
Low
₹0.00
Volume
0
Change
-2.93%

Returns & Performance

Poor

ROE

12.77%
Poor

ROCE

5.83%
Excellent

OPM (5Y)

99.42%
Good

Div Yield

1.37%

Indian Railway Finance Corporation Ltd Valuation Check

Average

P/E Ratio

22.38x
Poor

Industry P/E

22.38x
Market-cap Classification
Large-cap
Established & liquid; typically steadier returns.

Market Cap

1.53L (Cr)

Growth Engine

Poor

Profit Growth (Q)

10.19%
Poor

Sales Growth (Q)

-7.65%
Excellent

Sales Growth (5Y)

15.13%
Excellent

EPS Growth (5Y)

13.11%
Excellent

Profit Growth (5Y)

15.29%

Balance Sheet Health

Poor

Debt to Equity

7.25x
Poor

Int. Coverage

1.35x

Free Cash Flow (5Y)

-1.67L (Cr)

Shareholding

Excellent

Promoter

86.36%
Poor

FII

0.97%
Poor

DII

1.48%
Excellent

Pledged

0.00%

Institutional Deep-Dive

Bull Run Research Hub

Indian Railway Finance Share Price: A ROCE-Focused Analysis

The Indian financial institution sector faces a unique challenge: balancing government-mandated social objectives with the need for shareholder value creation. This is particularly relevant when analyzing the Indian Railway Finance share price, currently observed at ₹114.529999, with a Price-to-Earnings (PE) ratio of 22.38. A crucial metric for assessing its efficiency is its Return on Capital Employed (ROCE), currently at 5.83%. This analysis delves into the implications of this ROCE figure, especially in comparison to its peers.

ROCE offers a glimpse into how effectively Indian Railway Finance Corporation Ltd (IRFC) is utilizing its capital to generate profits. A 5.83% ROCE, while positive, warrants further investigation. It suggests that for every ₹100 invested, the company is generating ₹5.83 in profit. This performance needs to be contextualized against its sector peers. For instance, the management quality differential between IRFC and Gujarat State Financial Corporation could be reflected in their respective ROCE figures. A lower ROCE might indicate inefficiencies in capital allocation or higher operational costs.

The 5.83% ROCE directly impacts the company’s competitive moat. A higher ROCE generally signifies a stronger economic moat, suggesting the company has a durable advantage that protects its profitability. However, in IRFC's case, the ROCE indicates a potentially weaker moat. While the company benefits from government backing and a captive market in railway infrastructure financing, the relatively lower ROCE compared to potentially more agile private sector players like Tourism Finance Corporation of India Ltd or companies with diverse portfolios such as Rec Ltd, could present challenges to its long-term sustainable competitive advantage.

Ultimately, the Indian Railway Finance share price reflects investor sentiment about the company's future earnings potential. A sustained improvement in ROCE could positively influence this sentiment. This analysis is part of a comprehensive 80-parameter fundamental audit verified by Sweta Mishra. It is observational in nature and does not constitute financial advice.

SM
Analysis by Sweta Mishra
SEBI Registered Research Analyst

Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice

Indian Railway Finance Corporation Ltd Fundamental Analysis & Valuation Benchmarking

Educational evaluation of IRFC across key market metrics for learning purposes.

Positive Indicators

4 factors identified

Strong Operating Margins (99.42%)

Observation: Healthy 5-year operating margins indicate pricing power and cost control.

Analysis: OPM >15% suggests operational efficiency and competitive advantages.

Consistent Growth Track Record (15.13% CAGR)

Observation: Strong 5-year sales compound annual growth rate.

Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model.

Strong Profit Growth Track Record (15.29% CAGR)

Observation: Consistent 5-year profit compound annual growth rate.

Analysis: Profit CAGR >15% demonstrates scalable business model.

Zero Share Pledging Risk

Observation: No promoter shares pledged as collateral.

Analysis: Absence of share pledging eliminates potential forced-selling pressure.

Risk Factors

7 factors identified

Suboptimal ROCE (5.83%)

Observation: Returns on capital employed are below expectations.

Analysis: ROCE <10% suggests potential inefficiencies in capital allocation.

Revenue Contraction (-7.65%)

Observation: Sales decline may indicate market challenges or competitive pressures.

Analysis: Negative revenue growth requires analysis of market conditions.

Elevated Debt Levels (D/E: 7.25)

Observation: High leverage increases financial risk and interest burden.

Analysis: High debt-to-equity ratios require monitoring of debt servicing capability.

Weak Interest Coverage (1.35x)

Observation: Limited ability to service debt obligations from earnings.

Analysis: Low interest coverage raises concerns about financial stability.

Negative Free Cash Flow (₹-166776.46 Cr over 5Y)

Observation: Cash outflows exceed inflows.

Analysis: Negative FCF requires analysis of capital expenditure cycle.

Limited Public Float (86.36% Promoter Holding)

Observation: High promoter holding may restrict liquidity and price discovery.

Analysis: Very high promoter holding can limit trading liquidity.

Limited Institutional Interest (FII+DII: 2.45%)

Observation: Low institutional participation may affect liquidity.

Analysis: Limited institutional interest may indicate size constraints or visibility issues.

Indian Railway Finance Corporation Ltd Financial Statements

Comprehensive financial data for Indian Railway Finance Corporation Ltd including income statement, balance sheet and cash flow

About IRFC (Indian Railway Finance Corporation Ltd)

Indian Railway Finance Corporation Ltd is the dedicated financial arm of the Indian Railways, playing a pivotal role in facilitating the expansion and modernization of India's vast... railway network. Established as a public sector undertaking, IRFC operates as a specialized financial institution focused on mobilizing funds from both domestic and international markets to finance the acquisition of rolling stock assets like locomotives, coaches, and wagons, as well as the development of crucial railway infrastructure projects. The company's core function lies in providing lease financing solutions, enabling the Indian Railways to procure essential assets without incurring substantial upfront capital expenditure, thereby optimizing its resource allocation and enhancing operational efficiency. IRFC's business model revolves around a symbiotic relationship with the Indian Railways, acting as a crucial intermediary in securing financial resources and channeling them into the railway sector. By borrowing funds from diverse sources, including banks, financial institutions, and capital markets, IRFC effectively bridges the funding gap for railway infrastructure development. These funds are then utilized to procure assets that are subsequently leased to the Indian Railways under long-term lease agreements. This arrangement provides the Railways with predictable lease payments, while IRFC generates revenue through lease rentals, ensuring a sustainable and mutually beneficial financial ecosystem that supports the growth and modernization of the Indian railway network. Headquartered in New Delhi, IRFC's operations are intrinsically linked to the performance and expansion plans of the Indian Railways. As the primary financing arm, IRFC's financial stability and operational effectiveness are critical to ensuring the timely acquisition of essential railway assets and the successful execution of infrastructure projects. The company's success hinges on its ability to maintain strong relationships with both lenders and the Indian Railways, navigate the complexities of the financial markets, and effectively manage its assets and liabilities. By fulfilling its mandate, IRFC contributes significantly to the strengthening of India's railway infrastructure, a vital component of the nation's economic growth and connectivity.

Company Details

Symbol:IRFC
Industry:Financial Institution
Sector:Financial Institution
Website:https://irfc.co.in

Key Leadership

Mr. Manoj Kumar Dubey
MD, CEO & Chairman
Mr. Vijay Babulal Shirode
Joint GM of Law & Company Secretary
Mr. Randhir Sahay
CFO & Director

Corporate Events

Upcoming
Earnings Date
2025-10-15
Recent
Ex-Dividend Date
2025-10-24

Latest News

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livemint.com• 5/18/2024

IRFC Share Price: Frequently Asked Questions

What is the current share price of Indian Railway Finance Corporation Ltd (IRFC)?

As of 30 Mar 2026, 12:06 pm IST, Indian Railway Finance Corporation Ltd share price is ₹87.23. The IRFC stock has a market capitalisation of ₹1.53L (Cr) on NSE/BSE.

Is IRFC share price Overvalued or Undervalued?

IRFC share price is currently trading at a P/E ratio of 22.38x, compared to the industry average of 22.38x. Based on this relative valuation, the Indian Railway Finance Corporation Ltd stock appears to be Overvalued against its sector peers.

What is the 52-week high and low of IRFC share price?

The 52-week high of IRFC share price is ₹148.95 and the 52-week low is ₹89.20. These values are updated daily from NSE/BSE price data.

What factors affect the Indian Railway Finance Corporation Ltd share price?

Key factors influencing IRFC share price include quarterly earnings growth (Sales Growth: -7.65%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).

Is Indian Railway Finance Corporation Ltd a good stock for long-term investment?

Indian Railway Finance Corporation Ltd shows a 5-year Profit Growth of 15.29% and an ROE of 12.77%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 7.25 before investing in IRFC shares.

How does Indian Railway Finance Corporation Ltd compare with its industry peers?

Indian Railway Finance Corporation Ltd competes with major peers in the Financial Institution. Investors should compare IRFC share price P/E of 22.38x and ROE of 12.77% against the industry averages to determine competitive standing.

What is the P/E ratio of IRFC and what does it mean?

IRFC share price has a P/E ratio of 22.38x compared to the industry average of 22.38x. Investors pay ₹22 for every ₹1 of annual earnings.

How is IRFC performing according to Bull Run's analysis?

IRFC has a Bull Run fundamental score of 39.6/100, indicating concerns requiring careful analysis. This comprehensive rating is based on 15+ financial parameters.

What sector and industry does IRFC belong to?

IRFC operates in the Financial Institution industry. This classification helps understand the competitive landscape and sector-specific trends affecting Indian Railway Finance Corporation Ltd share price.

What is Return on Equity (ROE) and why is it important for IRFC?

IRFC has an ROE of 12.77%, which shows decent profitability but room for improvement. ROE measures how efficiently Indian Railway Finance Corporation Ltd generates profits from shareholders capital.

How is IRFC debt-to-equity ratio and what does it indicate?

IRFC has a debt-to-equity ratio of 7.25, which indicates high leverage that increases financial risk.

What is IRFC dividend yield and is it a good dividend stock?

IRFC offers a dividend yield of 1.37%, meaning you receive ₹1.37 annual dividend for every ₹100 invested in Indian Railway Finance Corporation Ltd shares.

How has IRFC share price grown over the past 5 years?

IRFC has achieved 5-year growth rates of: Sales Growth 15.13%, Profit Growth 15.29%, and EPS Growth 13.11%.

What is the promoter holding in IRFC and why does it matter?

Promoters hold 86.36% of IRFC shares, with 0.00% pledged. High promoter holding often indicates strong management confidence in Indian Railway Finance Corporation Ltd.

What is IRFC market capitalisation category?

IRFC has a market capitalisation of ₹152980 crores, placing it in the Large-cap category.

How volatile is IRFC stock?

IRFC has a beta of N/A. A beta > 1 suggests the Indian Railway Finance Corporation Ltd stock is more volatile than the market, while a beta < 1 suggests it is less volatile.

What is IRFC operating profit margin trend?

IRFC has a 5-year average Operating Profit Margin (OPM) of 99.42%, indicating the company's operational efficiency.

How is IRFC quarterly performance?

Recent quarterly performance shows Indian Railway Finance Corporation Ltd YoY Sales Growth of -7.65% and YoY Profit Growth of 10.19%.

What is the institutional holding pattern in IRFC?

IRFC has FII holding of 0.97% and DII holding of 1.48%. Significant institutional holding often suggests professional confidence in the Indian Railway Finance Corporation Ltd stock.

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Frequently Asked Questions about Indian Railway Finance Corporation Ltd

What is the current share price of Indian Railway Finance Corporation Ltd?

Indian Railway Finance Corporation Ltd (IRFC) trades at ₹87.23 on NSE and BSE. Market cap ₹1.53L (Cr). Educational data only.

What is the P/E ratio of Indian Railway Finance Corporation Ltd?

Indian Railway Finance Corporation Ltd has a P/E of 22.38x vs industry average 22.38x.

What is the Bull Run score for Indian Railway Finance Corporation Ltd?

Indian Railway Finance Corporation Ltd has a Bull Run score of 39.6/100 based on 25+ financial parameters.

Does Indian Railway Finance Corporation Ltd pay dividends?

Indian Railway Finance Corporation Ltd has a dividend yield of 1.37%. Past dividends don't guarantee future payments.

What is the ROE of Indian Railway Finance Corporation Ltd?

Indian Railway Finance Corporation Ltd has ROE of 12.77%. Higher ROE indicates better use of shareholder equity.

What is the debt-to-equity ratio of Indian Railway Finance Corporation Ltd?

Indian Railway Finance Corporation Ltd has debt-to-equity of 7.25.

Is Indian Railway Finance Corporation Ltd a good investment?

Bull Run gives Indian Railway Finance Corporation Ltd a score of 39.6/100. This is not investment advice — consult a SEBI-registered advisor.