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₹87.05 - ₹148.90
Previous CloseN/A
Volume16.30M
Average Volume (3M)706.29K
Market Cap
₹1.14T
Enterprise Value₹5.38T
Total Cash (Recent Filing)₹6.83B
Total Debt (Recent Filing)₹4.18T
Price to Earnings (P/E)22.6
Beta1.70
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)6.9
Revenue Forecast (FY)₹91.87B
Bulls Say, Bears Say
Bulls Say
Captive Business Model: Dedicated Financier To Indian RailwaysIRFC’s exclusive role as the dedicated financing vehicle for Indian Railways yields contract-backed, long-duration lease and finance cash flows. That structural alignment with a sovereign-owned counterparty supports predictable demand, low counterparty credit risk, and stable long-term asset deployment.
High And Resilient Profitability MarginsSustained high EBIT and net margins, along with rising net income across reported years, indicate IRFC captures a meaningful spread between funding costs and lease/finance returns. Strong margins enhance internal cash generation, enabling reinvestment and supporting dividend capacity over the medium term.
Improved Cash Generation With FCF Closely Tracking EarningsThe recent swing to strongly positive operating and free cash flow, and FCF alignment with net income, improves IRFC’s cash conversion and its ability to service debt from operations. This enhances medium-term liquidity resilience and reduces reliance on short-term refinancing when sustained.
Bears Say
Very High Leverage And Refinancing SensitivityExtremely high debt relative to equity materially increases funding and refinancing risk, and makes earnings and cash flows sensitive to interest-rate moves. Such leverage constrains flexibility, amplifies funding costs in stress, and limits capacity to expand financing without fresh capital support.
Revenue Decline And Concentration RiskA notable TTM revenue decline combined with heavy concentration in financing Indian Railways limits diversification. Timing of asset deployments or changes in rail capex plans can materially affect top-line growth, reducing resilience to sector-specific slowdowns or policy shifts.
Historic Cash-flow Volatility Despite Recent ImprovementPrior multi-year negative operating and free cash flow point to structural timing or funding mismatches between fundraising and disbursements. Even with recent improvement, the legacy volatility suggests reliance on external funding in weaker periods and raises questions about consistency of internal coverage for debt service.
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 ₹87.05 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 ₹1.14T.
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 55 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 -1.269%.
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.
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