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Indian Railway Finance Corporation (IRFC) had a P/E of 14.3× on 6 Nov 2026, and the shares are 41% below their 52-week high. Its ROE of 13% is the lowest among the 7 largest Credit Services peers, and net profit grew 4.4% a year over 3 years. For banks and lenders, ROCE and debt-to-equity are not used; it trades at 1.73× book value and its dividend yield is 2.7%. It is a large-cap company with a market cap of ₹1.1 lakh crore, ranked 7th of 193 Credit Services companies by market cap; the shares fell 34% over the past year.

As of 6 Nov 2026Prices are delayed about 15 minutes; fundamentals are from the quarter ended Sep 2026.How we calculate this

past year
Open
₹79.90
Day high
₹80.43
Day low
₹78.51
Prev. close
₹80.13
Volume
76.7 L

Health check

1 good · 1 fair · 4 to check
  • ReturnsBehind

    −34.4% over a year, better than 0 of 7 peers.

  • Price tagCheaper

    P/B 1.73 vs peer median 2.62.

  • GrowthSlow

    Profit +4.4% a year over 3 years.

  • ProfitabilityWeak

    ROE 12.6% vs peer median 18.7%.

  • Balance sheetFair

    Return on assets 1.43%. Bad-loan data isn’t covered.

  • Red flags2 to check

    41% below its 52-week high.

Compared with 7 industry peers. Computed from reported figures. Educational, not a recommendation.

Credit Services

192 listed peers. Screen the industry

Large cap

₹1.1L Cr, #7 of 193 in its industry by size.

Defensive

Beta 0.34 vs the NIFTY 50: moves less than the market.

Key metrics

Last 12 months to Sep 2026: sales ₹7,595 Cr · profit ₹7,372 Cr
Market cap
₹1.1L Cr
Large cap
P/E
14.3
Industry 15.5
Price to book
1.73
Peers 2.62
Dividend yield
2.74%
ROE
12.6%
Peers 18.7%
ROCE
n/m
Not meaningful for lenders
Debt to equity
n/m
Not meaningful for lenders
EPS (TTM)
₹5.64
Face value ₹10
OPM (TTM)
24.1%
Net margin 97.1%
Sales growth
n/m
Not meaningful for lenders
Profit growth
+10.3%
Latest quarter vs a year ago
Price to sales
13.84

Strengths and risks

Strengths

  • Dividend yield of 2.74%.

Risks to check

  • 41% below its 52-week high.
  • Promoter stake down from 86.4% to 82.9%.

Derived automatically from reported figures. Not a recommendation.

About Indian Railway Finance Corporation

Indian Railway Finance Corporation Limited engages in leasing of rolling stock and railway infrastructure assets in India. The company also engages in lending business to other entities under the Ministry of Railways; and borrowing funds from commercial markets, financial markets to finance the acquisition/creation of assets that are leased out to the Indian Railways. Indian Railway Finance Corporation Limited was incorporated in 1986 and is based in New…

Headquarters
New Delhi
Employees
59
Sector
Financial Services
ISIN
INE053F01010
Website
irfc.co.in

Price range

52 weeks

₹73.05₹137.17

Today

₹78.51₹80.43
Avg volume (3M)
88.1 L
1-year return
minus 34.4%
From 52-week high
minus 41.4%

Peers · Credit Services

Bank and NBFC columns

Compare with peersScreen the whole industry
Company
BAJFINANCEBajaj Finance1,087.75plus 1.66%6,77,00531.35.4919.0%3.8%18.2%0.50%plus 1.2%
SHRIRAMFINShriram Finance961.15minus 0.30%2,26,16716.02.0314.8%3.9%18.6%1.80%plus 21.0%
CHOLAFINCholamandalam Investment and Finance Company1,785.00plus 1.42%1,53,10324.54.4120.6%2.6%25.2%0.11%plus 0.8%
TATACAPTata Capital358.05plus 2.93%1,50,97925.43.1014.1%2.2%–0.16%plus 5.6%
MUTHOOTFINMuthoot Finance2,869.00plus 1.06%1,15,1819.42.6231.6%6.3%43.1%1.05%minus 11.0%
PFCPower Finance Corporation328.80minus 0.18%1,08,5074.10.7418.7%2.7%17.7%4.99%minus 16.9%
IRFCIndian Railway Finance Corporation80.43plus 0.37%1,05,11014.31.7312.6%1.4%4.4%2.74%minus 34.4%
RECLTDREC296.65plus 0.30%78,1155.20.8216.9%2.3%13.5%4.72%minus 20.2%
Median of 7 peers–1.06%1,50,97916.02.6218.7%2.7%18.4%1.05%0.8%

Quarterly results

Consolidated, ₹ crore
SalesSelect a row below to chart it
₹ CrJun 25Dec 25Mar 26Jun 26Sep 26
6,9016,6577,3368,2427,866
5,1574,8525,5886,4455,964
1,7441,8051,7481,7971,902
25.3%27.1%23.8%21.8%24.2%
2.958.1−7.113058.1
1.31.81.91.22.1
–−59.1−54.81.10.4
1,7461,8021,6841,9271,958
1,7461,8021,6841,9271,958
1.341.381.291.471.50

Sep 25 not reported by the data source.

Profit & loss

Yearly, ₹ crore
Profit CAGR 3Y
+4.4%
EPS CAGR 3Y
+4.3%
ROE
12.6%
Net profitSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
23,65126,53027,06027,075
–+12.2%+2.0%+0.1%
12,45114,45712,6019,514
11,20012,07314,45917,561
47.4%45.5%53.4%64.9%
95.663.240.1191
5,1145,7237,99110,613
14.19.45.36.1
−07.9−0.5−124
6,1676,4126,5027,009
6,1676,4126,5027,009
–+4.0%+1.4%+7.8%
4.724.914.985.36

Forecast

Your assumptions, not a prediction

Balance sheet

At each financial year end, ₹ crore
Total assetsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
13,06913,06913,06913,069
31,61236,11039,59943,680
4,18,9354,12,0394,12,1334,36,471
26,74423,86524,03423,457
4,90,3594,85,0824,88,8355,16,676
17.921.116.918
2,24,7772,06,7311,77,81375,470
6746008,7657,807
2,64,8902,77,7303,02,2404,33,382
4,90,3594,85,0824,88,8355,16,676

Cash flow

Yearly, ₹ crore
Cash from operationsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
−28,5887,9148,230−27,026
0.1−7.5−0.1−2.6
28,644−8,046−2,57221,560
56.2−1405,658−5,469
−0.8−8.3−0.8−13.4
−28,5897,9068,229−27,040
−1,869−1,960−3,006−2,744

Shareholding pattern

Source: NSE filings
82.9%
promoters
  • Promoters82.90%
  • Public17.10%
  • As of 30 Sep 2026
QuarterSplitPromotersPublicPromoter change
30 Sep 202682.90%17.10%0.00
30 Jun 202682.90%17.10%minus 1.75
31 Mar 202684.65%15.35%minus 1.71
31 Dec 202586.36%13.64%0.00
30 Sep 202586.36%13.64%–

Major shareholders

NSE filing

Filings & events

News

No recent news coverage found.

My notes

Private to you