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Data quality observations on this stock — see hidden fields below.
Reported as ticker: IRFC· We're continuously improving data quality. Contact support if this persists.
Indian Railway Finance Corporation Limited
IRFC · Regulated Utility · NSE
₹96
Current Market Price
Fair Value (DCF)
₹48
Discount to FV
-49.7%
Updated just now
YieldIQ Score
46/100
Piotroski F-Score
7/9
Economic Moat
Narrow
Confidence
75%
ROE
12.4%
Debt/Equity
7.69
WACC
9.8%
Market Cap
₹1.25 Lakh Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
1.4%
Return on capital employed
EV / EBITDA
77.7×
Enterprise multiple
Debt / EBITDA
—
Leverage vs earnings
Interest Coverage
—
EBIT covers interest
Current Ratio
28526.05×
Short-term liquidity
Asset Turnover
0.05×
Revenue per ₹ of assets
Revenue CAGR (3Y)
4.9%
3-year revenue growth
Revenue CAGR (5Y)
11.6%
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹95.89
Bear case
Margin of Safety —
Implied upside -165.0%
Base case
Margin of Safety -8076.3%
Implied upside -98.8%
Bull case
Margin of Safety -144.0%
Implied upside -59.0%
Ratio Trends
IRFC · last 6 annual periods
ROE
12.4%
ROCE
1.4%
Operating Margin
—
Debt / Equity
7.69×
PE
16.3×
EV / EBITDA
77.7×
Historical Financials
IRFC · Annual, last 5 years· amounts in ₹Cr unless noted
| Metric | 2022 NSE_XBRL | 2023 NSE_XBRL | 2024 NSE_XBRL | 2025 yfinance | 2026 yfinance | CAGR |
|---|---|---|---|---|---|---|
| Revenue | ₹20.3K Cr | ₹23.7K Cr | ₹26.5K Cr | ₹27.1K Cr | ₹27.3K Cr | +7.7% |
| EBITDA | ₹11.6K Cr | ₹11.3K Cr | ₹12.1K Cr | ₹6504 Cr | ₹7085 Cr | -11.5% |
| EBIT | ₹20.2K Cr | ₹23.8K Cr | ₹26.5K Cr | — | — | +7.1% |
| PAT | ₹6090 Cr | ₹6167 Cr | ₹6412 Cr | ₹6502 Cr | ₹7009 Cr | +3.6% |
| EPS (diluted) | ₹4.66 | ₹4.85 | ₹4.91 | — | — | +1.3% |
| CFO | ₹-64.4K Cr | ₹-28.6K Cr | ₹7914 Cr | ₹8230 Cr | ₹-27.0K Cr | — |
| CapEx | ₹-6.6 Cr | ₹-0.8 Cr | ₹-8.3 Cr | ₹-0.8 Cr | ₹-13.4 Cr | — |
| FCF | ₹-64.4K Cr | ₹-28.6K Cr | ₹7906 Cr | ₹8229 Cr | ₹-27.0K Cr | — |
| Total Assets | ₹449.4K Cr | ₹490.4K Cr | ₹485.1K Cr | ₹488.8K Cr | ₹516.7K Cr | +3.6% |
| Total Debt | ₹388.4K Cr | ₹418.9K Cr | ₹412.0K Cr | ₹412.1K Cr | ₹436.5K Cr | +3.0% |
| Shareholders' Equity | ₹40.4K Cr | ₹44.7K Cr | ₹49.2K Cr | ₹52.7K Cr | ₹56.7K Cr | +8.9% |
CAGR computed across the visible window. Signs reverse if start value is zero or negative.
Peer Comparison
IRFC vs 5 closest peers by market-cap band
| Peer | MoS | Score | Verdict | ROE | PE |
|---|---|---|---|---|---|
 CHOLAFIN CHOLAFIN | — | — | Pending | 17.2% | 22.1× |
 MUTHOOTFIN MUTHOOTFIN | — | — | Pending | 27.1% | — |
 PFC PFC | — | — | Pending | 14.8% | — |
 RECLTD RECLTD | — | — | Pending | 20.3% | — |
 SHRIRAMFIN SHRIRAMFIN | — | — | Pending | 16.9% | — |
Click a ticker to view its fair-value analysis.
Dividend History
11 ex-dividend events on file. Source: NSE corporate-actions feed.
Total paid (5Y)
₹8.10/sh
Last payout
2026-03-13
₹1.05
Peak payout
₹1.05
Trailing yield
2.19%
Amounts parsed from NSE subject lines. Percent-of-face-value declarations are converted using the per-ticker face value (defaults to ₹10).
AI Analysis Summary
Model-generated description of metrics. Not investment advice. Indian Railway Finance Corporation Limited (IRFC.NS) trades at 95.89 vs a model fair value of 48.24, a gap of -49.7%. Piotroski F-score: ...
Read full AI analysis →Reverse DCF
Market-implied growth
What FCF growth is priced in →
Risk Analysis
Volatility & drawdown
Risk profile of IRFC →
DuPont
ROE decomposition
Why ROE is what it is →
Technicals
RSI, MACD, MAs
Reference indicators →
News & Filings
Recent activity
BSE filings + news for IRFC →
Compare
Head-to-head with peers
Compare IRFC side by side →
Run Full Interactive Analysis
Interactive DCF sliders, sensitivity heatmap, peer comparison, and more.
Analyse IRFCNow →Model estimates using publicly available data. Not investment advice. YieldIQ is not registered with SEBI as an investment adviser or research analyst. Past performance does not guarantee future results.