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IRFC Stock Chart & Stats
₹87.62
₹0.51(0.58%)
At close: 4:00 PM EDT
₹87.62
₹0.51(0.58%)
Day’s Range― - ―
52-Week Range₹86.09 - ₹137.10
Previous CloseN/A
Volume5.13M
Average Volume (3M)706.29K
Market Cap
₹1.17T
Enterprise Value₹5.50M
Total Cash (Recent Filing)₹9.78B
Total Debt (Recent Filing)₹4.36T
Price to Earnings (P/E)16.2
Beta1.58
Next Earnings
Nov 04, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.35%
Share Statistics
EPS (TTM)5.37
Shares Outstanding13,068,506,000
10 Day Avg. Volume630,644
30 Day Avg. Volume706,290
Financial Highlights & Ratios
PEG Ratio2.13
Price to Book (P/B)2.01
Price to Sales (P/S)4.17
P/FCF Ratio28.22
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
State-backed Counterparty And Demand VisibilityIRFC's role as the Government of India's dedicated market-borrowing arm for Indian Railways provides a effectively captive, sovereign-backed counterparty and predictable long-term financing mandate. That structural relationship supports steady loan demand and reduces commercial counterparty risk over the medium term.
Consistent Profitability And Solid ROEReported ROE near 12–15% over 2022–2025 indicates durable ability to earn attractive spreads as a specialized financier. Sustained profitability supports internal capital generation, helps absorb cyclical stresses and underpins longer-term solvency even with constrained equity growth.
Steady Revenue Growth TrendConsistent revenue growth from 2022–2025 reflects ongoing lending and leasing activity tied to railway asset financing. This steady origination and contractual interest/lease income provide a predictable revenue base that supports covering funding costs and planning over the medium term.
Bears Say
Very High Leverage And Rising DebtDebt-to-equity in the ~7.8x–9.5x range and increasing absolute debt (≈3.2T to 4.36T) create structural refinancing and interest-rate sensitivity. High leverage limits balance-sheet flexibility, raises cost-of-capital exposure, and makes the business more vulnerable to funding-market stress over the medium term.
Volatile Cash Generation / FCF VariabilityMulti-year swings from deep negative cash flow to strong positives and a sharp 2026 decline (FCF down ~25%) signal inconsistent cash conversion. For a funding-dependent lender, such variability impairs reliable debt servicing, liquidity planning and increases the need for market refinancing or government support in stressed periods.
Margin Compression And 2026 Profit DeclineA step-down in gross and operating profit in 2026, despite flat revenue, indicates margin compression likely from higher funding or operating costs. Sustained margin pressure would erode the spread-driven business model's cushions, weaken ROE and increase funding strain for a highly leveraged issuer.
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 ₹86.09 and its highest was ₹137.10 in the past 12 months.
What is Indian Railway Finance Corp. Ltd.’s market cap?
Indian Railway Finance Corp. Ltd.’s market cap is ₹1.17T.
When is Indian Railway Finance Corp. Ltd.’s upcoming earnings report date?
Indian Railway Finance Corp. Ltd.’s upcoming earnings report date is Nov 04, 2026 which is in 93 days.
How were Indian Railway Finance Corp. Ltd.’s earnings last quarter?
Indian Railway Finance Corp. Ltd. released its earnings results on Jul 30, 2026. The company reported ₹1.475 earnings per share for the quarter, missing the consensus estimate of N/A by N/A.
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 2.35%. 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 ₹1.475 in its last earnings report, missing expectations of N/A. Following the earnings report the stock price went down -0.124%.
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 is an Indian financial institution that secures capital from financial markets. Its primary purpose is to fund the procurement and development of critical assets, which are subsequently leased to Indian Railways under finance lease arrangements. Additionally, IRFC operates as a non-deposit-taking non-banking financial company specifically focused on infrastructure finance. The corporation was founded in 1986 and maintains its headquarters in New Delhi, India.
Technical Analysis
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