Indian Railway Finance Corporation Ltd (IRFC)
₹83.20
Mkt cap
₹1.09L Cr
P/E ratio
15.20
P/B
1.92
Div yield
2.52%
ROE
12.80%
ROCE
5.64%
EPS (TTM)
₹5.47
Book value
₹43
52W range
82–134
Sector
Financial Services
Price history
Previous close
Incorporated in 1986, Indian Railway Finance Corporation borrows funds from the financial markets to finance the acquisition / creation of assets which are then leased out to the Indian Railways as finance lease [1]
NSE IRFCBSE 543257
Health check
Cautious
ValuationFair
ProfitabilityWeak
TechnicalsBearish
52-week range
−37.74% from high₹83
₹82+0.87% from low₹134
Current
₹83.20
Prev close
₹83.40
Day
−0.24%
Price performance
1D
−0.24%
1W
−0.17%
1M
−6.25%
3M
−13.34%
6M
−14.88%
1Y
−30.98%
YTD
−35.24%
Financials
Revenue, profit & margin
P/E ratio
15.2×
IRFC is 3% below the sector median of 15.7×
IRFC15.2×
Sector median15.7×
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Trend | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 6,679 | 6,761 | 6,737 | 6,475 | 6,766 | 6,900 | 6,763 | 6,723 | 6,915 | 6,372 | 6,661 | 7,336 | 8,261 | |
| Interest | 5,091 | 5,181 | 5,104 | 4,725 | 5,155 | 5,249 | 5,095 | 4,996 | 5,124 | 4,544 | 4,812 | 5,524 | 6,421 | |
| Expenses | 29 | 34 | 35 | 34 | 33 | 38 | 39 | 44 | 47 | 49 | 104 | 118 | 42 | |
| Financing Profit | 1,559 | 1,546 | 1,597 | 1,716 | 1,578 | 1,613 | 1,629 | 1,683 | 1,744 | 1,778 | 1,746 | 1,694 | 1,798 | |
| Financing Margin % | 23% | 23% | 24% | 26% | 23% | 23% | 24% | 25% | 25% | 28% | 26% | 23% | 22% | |
| Other Income | 2 | 1 | 3 | 3 | 0 | 1 | 3 | 1 | 3 | 0 | 58 | -7 | 130 | |
| Depreciation | 4 | 2 | 1 | 2 | 2 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 1 | |
| Profit before tax | 1,557 | 1,545 | 1,599 | 1,717 | 1,577 | 1,613 | 1,631 | 1,682 | 1,746 | 1,777 | 1,802 | 1,684 | 1,927 | |
| Tax % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | |
| Net Profit | 1,557 | 1,545 | 1,599 | 1,717 | 1,577 | 1,613 | 1,631 | 1,682 | 1,746 | 1,777 | 1,802 | 1,684 | 1,927 | |
| EPS in Rs | 1.19 | 1.18 | 1.22 | 1.31 | 1.21 | 1.23 | 1.25 | 1.29 | 1.34 | 1.36 | 1.38 | 1.29 | 1.47 | |
| Gross NPA % | ||||||||||||||
| Net NPA % | ||||||||||||||
| Raw PDF |
Earnings
Results dates & reactionsNo upcoming results date on calendar.
Fresh quarters land in the Financials table above, tagged NSE until screener catches up.
Avg earnings-day move −0.47% · closed higher next day 10 of last 21
| Q2FY24 | Q3FY24 | Q4FY24 | Q1FY25 | Q2FY25 | Q3FY25 | Q4FY25 | Q1FY26 | Q2FY26† | Q3FY26 | Q4FY26 | Q1FY27† | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Broadcast | 2 Nov '23◦ | 9 Feb '24◦ | 20 May '24◦ | 12 Aug '24◦ | 4 Nov '24◦ | 20 Jan '25 | 28 Apr '25 | 22 Jul '25◦ | 15 Oct '25◦ | 19 Jan '26 | 14 May '26 | 30 Jul '26 |
| Earnings day | −1.23% | −13.50% | +3.58% | −1.58% | −1.17% | +0.35% | −1.27% | +3.12% | +0.29% | −1.06% | −1.27% | −0.24% |
| +1 day | −0.34% | −0.16% | +1.39% | −2.98% | +0.50% | −2.60% | −1.45% | +3.73% | +0.16% | −4.96% | −2.58% | +0.02% |
| +5 days | +1.44% | +3.22% | +4.04% | −2.18% | −5.17% | −6.25% | −6.55% | +0.48% | −0.63% | −6.20% | −3.26% | +0.18% |
| +15 days | +3.49% | −5.30% | +1.70% | −4.63% | +0.10% | −8.73% | +6.14% | −3.92% | −3.01% | −5.51% | −4.94% | −2.98% |
| +30 days | +37.03% | −7.06% | +1.86% | −14.97% | −0.26% | −23.98% | +12.76% | −5.59% | −5.97% | −20.01% | −10.71% | — |
| Filing | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL |
Corporate actions
Last 6 months| Kind | Value | Ex-date | Record |
|---|---|---|---|
| dividend Interim Dividend - Rs 1.05 Per Share | 1.05 | 13 Mar '26 | 13 Mar '26 |
Shareholding
as of Jun 202682.90%Promoter
Promoters82.90%1.75
FIIs1.17%0.01
DIIs3.98%1.09
Public11.94%0.65
Ownership trend
Peers
7 companiesValuation vs quality
P/E × ROCE · bubble = market cap| Name | CMP | P/E | Mkt Cap | Div Yld | NP Qtr | Qtr Profit Var | Sales Qtr | Qtr Sales Var | ROCE |
|---|---|---|---|---|---|---|---|---|---|
| PFC | ₹355.60 | 4.50 | 1,17,352 | 5.22% | 8,998 | +2.12% | 28,527 | −0.04% | 9.71% |
| IRFC | ₹83.40 | 15.16 | 1,08,991 | 2.52% | 1,927 | +10.40% | 8,261 | +19.46% | 5.64% |
| RECLTD | ₹318.70 | 5.23 | 83,921 | 5.82% | 4,193 | −6.11% | 14,435 | −2.05% | 9.71% |
| HUDCO | ₹180.52 | 8.49 | 36,138 | 3.35% | 851 | +35.05% | 3,717 | +26.55% | 8.41% |
| IREDA | ₹113.64 | 16.25 | 31,924 | 1.19% | 338 | +36.82% | 2,248 | +15.46% | 8.69% |
| IFCI | ₹101.38 | 152.30 | 27,315 | 0.00% | 60 | −17.40% | 327 | −19.68% | 4.90% |
| TFCILTD | ₹143.26 | 43.04 | 6,633 | 0.42% | 61 | +100.29% | 81 | +27.17% | 11.13% |
| Median: 8 Co. | ₹128.45 | 15.71 | 34,031 | 1.85% | 594 | +6.26% | 2,983 | +15.46% | 8.55% |
Filings
Annual reports6
Concall transcripts40
TranscriptJul 2026RECJul 2026TranscriptMay 2026PPTMay 2026RECMay 2026TranscriptJan 2026PPTJan 2026RECJan 2026TranscriptOct 2025PPTOct 2025TranscriptJul 2025PPTJul 2025RECJul 2025TranscriptMay 2025PPTMay 2025RECMay 2025TranscriptJan 2025PPTJan 2025RECJan 2025TranscriptNov 2024PPTNov 2024TranscriptMay 2024PPTMay 2024PPTNov 2023
Credit ratings6
Announcements5
Announcement under Regulation 30 (LODR)-Credit Rating 3 Sep - JCR revised IRFC’s long-term issuer rating to A-1 with Stable outlook on 3 Sept 2026.Disclosure Under Regulation 30 Of SEBI(LODR) Regulations, 2015 26 Aug - BSE and NSE levied Rs 13,72,340 fine each for board governance non-compliances; company seeks waiver.Announcement under Regulation 30 (LODR)-Newspaper Publication 26 Aug - Intimation of newspaper publication under regulation of 47 of SEBI (LODR) Regulations, 2015Shareholder Meeting / Postal Ballot-Scrutinizer''s Report 25 AugShareholder Meeting / Postal Ballot-Outcome of AGM 25 Aug