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Indian Railway Finance Corp. Ltd. (IN:IRFC)
:IRFC
IRFC Stock Chart & Stats
₹133.50
-₹2.23(-1.53%)
At close: 4:00 PM EST
₹133.50
-₹2.23(-1.53%)
Day’s Range― - ―
52-Week Range₹96.00 - ₹148.90
Previous CloseN/A
Volume16.30M
Average Volume (3M)706.29K
Market Cap
₹1.28T
Enterprise Value₹5.47T
Total Cash (Recent Filing)₹6.83B
Total Debt (Recent Filing)₹4.18T
Price to Earnings (P/E)22.6
Beta1.86
Next Earnings
May 27, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield1.52%
Share Statistics
EPS (TTM)1.38
Shares Outstanding13,068,506,000
10 Day Avg. Volume630,644
30 Day Avg. Volume706,290
Financial Highlights & Ratios
PEG Ratio17.52
Price to Book (P/B)3.08
Price to Sales (P/S)6.00
P/FCF Ratio19.73
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Strong ProfitabilityIRFC's TTM net margin (~25.6%) and EBIT margin (~55.7%) show durable cash profitability versus its financed asset book. Persistently healthy margins support internal cash generation, provide cushions against higher funding costs, and bolster the firm's ability to fund rail assets over the next several months.
Government-backed FranchiseAs the dedicated financing vehicle for Indian Railways, IRFC benefits from predictable, long-term lease/finance demand and close government linkage. This structural customer alignment reduces commercial cyclicality, enhances cashflow visibility, and supports sustained origination volumes over 2–6 months and beyond.
Improved Cash GenerationOperating and free cash flow swung strongly positive in FY2024–FY2025 and FCF closely tracks net income (~1.0x). This recent improvement strengthens liquidity and the company's capacity to fund asset deployments and service debt, reducing near-term refinancing strain materially.
Bears Say
Very High LeverageA debt-to-equity ratio around 7x indicates very high leverage, making IRFC highly sensitive to refinancing cycles and interest-rate moves. This capital structure limits financial flexibility, increases funding-cost volatility, and elevates the probability that macro funding headwinds will pressure spreads and cashflows.
Declining Revenue TrendTTM revenue fell ~16.6% and multi-year revenue growth is negative, indicating weaker deployment volumes or timing shifts. Continued top-line contraction would erode scale economics, reduce margin leverage on fixed funding costs, and constrain sustainable spread generation over the medium term.
Volatile Cash Flow HistoryCash flow has been inconsistent: large negative operating and free cash flow in FY2021–FY2023 before a sharp recovery. That volatility weakens confidence in steady internal funding, increases reliance on market financing for asset rollouts, and raises execution risk if funding conditions tighten.
Indian Railway Finance Corp. Ltd. News
IRFC FAQ
What was Indian Railway Finance Corp. Ltd.’s price range in the past 12 months?
Indian Railway Finance Corp. Ltd. lowest stock price was ₹96.00 and its highest was ₹148.90 in the past 12 months.
What is Indian Railway Finance Corp. Ltd.’s market cap?
Indian Railway Finance Corp. Ltd.’s market cap is ₹1.28T.
When is Indian Railway Finance Corp. Ltd.’s upcoming earnings report date?
Indian Railway Finance Corp. Ltd.’s upcoming earnings report date is May 27, 2026 which is in 81 days.
How were Indian Railway Finance Corp. Ltd.’s earnings last quarter?
Indian Railway Finance Corp. Ltd. released its earnings results on Jan 19, 2026. The company reported ₹1.379 earnings per share for the quarter, beating the consensus estimate of N/A by ₹1.379.
Is Indian Railway Finance Corp. Ltd. overvalued?
According to Wall Street analysts Indian Railway Finance Corp. Ltd.’s price is currently Overvalued.
Does Indian Railway Finance Corp. Ltd. pay dividends?
Indian Railway Finance Corp. Ltd. pays a Semiannually dividend of ₹1.05 which represents an annual dividend yield of 1.52%. See more information on Indian Railway Finance Corp. Ltd. dividends here
What is Indian Railway Finance Corp. Ltd.’s EPS estimate?
Indian Railway Finance Corp. Ltd.’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Indian Railway Finance Corp. Ltd. have?
Indian Railway Finance Corp. Ltd. has 13,068,506,000 shares outstanding.
What happened to Indian Railway Finance Corp. Ltd.’s price movement after its last earnings report?
Indian Railway Finance Corp. Ltd. reported an EPS of ₹1.379 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -1.268%.
Which hedge fund is a major shareholder of Indian Railway Finance Corp. Ltd.?
Currently, no hedge funds are holding shares in IN:IRFC
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
Indian Railway Finance Corp. Ltd.
Indian Railway Finance Corporation Limited operates as a financing company in India. The company engages in borrowing funds from the financial markets to finance the acquisition/creation of assets that are leased out to the Indian Railways as finance lease. It also operates as a non-deposit taking non-banking financial and infrastructure finance company. The company was incorporated in 1986 and is based in New Delhi, India.
Technical Analysis
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