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Indian Railway Finance Corporation Limited (IRFC.NS)
INR88.12
+0.62 (+0.71%)
IN NSE Financial Services Financial - Credit Services
Address
Hotel The Ashok 110021
New Delhi, IN
New Delhi, IN
CEO
Manoj Kumar Dubey
Website
irfc.nic.in
IPO
2021-01-29
ISIN INE053F01010
Also trades on
Bombay Stock Exchange · IRFC.BO (INR)
National Stock Exchange of India · IRFC.NS (INR)
Description
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.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
INR88.12
+0.62 (+0.71%)
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Volume Profile
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Liquidity & share structure
Average Volume
15M
Beta
0.34
Float Shares
2.00B
Free Float %
15.3%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -1.39% | -6.04% | -5.76% | -12.56% | -19.35% | -20.72% | -30.17% | +190.59% | +328.63% | +298.39% | +298.39% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From
To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
88.12
DCF (Unlevered)
172.26
+95.5%
Ratings Trend (MoM)
0% Bullish
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 0 | 0 |
| Hold | 0 | 0 |
| Sell | 1 | 0 |
| Strong Sell | 0 | 0 |
Quality scores
Altman Z-Score
1.16
Distress
Piotroski F-Score
3 / 9
Average
MOAT Score
6 / 10
Developing
Composite Rating
B-
Overall Score
2 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
4 / 5
High
ROA Score
4 / 5
High
D/E Score
1 / 5
Low
P/E Score
2 / 5
Medium
P/Book Score
2 / 5
Medium
Operational MOAT
✗ Below peers
-
Revenue growth+2.0% Q1'26: +10.4% (vs Q1'25)
-
EPS growth+1.4% Q1'26: +0.0% (vs Q1'25)
-
FCF margin+30.2% Q1'26: -29.3% (vs Q1'25)
-
EBIT margin+53.6% Q1'26: +23.0% (vs Q1'25)
-
ROIC+3.2% Q1'26: +1.4% (vs Q1'25)
-
Share dilution-0.1% Q1'26: +0.1% (vs Q1'25)
-
Debt / EBITDA28.43× Q1'26: 64.71× (vs Q1'25)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Consensus Estimates
| Metric |
Mar 2022 actual |
Mar 2023 actual |
Mar 2024 actual |
Mar 2025 actual |
Mar 2026 1 Rev. Ana. 1 EPS Ana. |
Mar 2027 1 Rev. Ana. 1 EPS Ana. |
Mar 2028 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|
| Revenue |
202.80B
est: 53.24B (+281.0%)
|
236.51B
est: 62.03B (+281.3%)
|
265.30B
est: 67.67B (+292.1%)
|
270.65B
est: 66.33B (+308.0%)
|
78.52B
78.52B – 78.52B
+18.4% YoY
|
91.87B
91.87B – 91.87B
+17.0% YoY
|
97.73B
97.73B – 97.73B
+6.4% YoY
|
| EBITDA |
115.64B
est: 28.75B (+302.2%)
|
112.95B
est: 33.50B (+237.2%)
|
121.44B
est: 36.55B (+232.3%)
|
144.99B
est: 30.48B (+375.6%)
|
36.09B
36.09B – 36.09B
+18.4% YoY
|
42.22B
42.22B – 42.22B
+17.0% YoY
|
44.91B
44.91B – 44.91B
+6.4% YoY
|
| EBIT |
115.50B
est: 28.73B (+302.0%)
|
112.81B
est: 33.48B (+237.0%)
|
121.35B
est: 36.52B (+232.3%)
|
144.93B
est: 30.46B (+375.9%)
|
36.05B
36.05B – 36.05B
+18.4% YoY
|
42.18B
42.18B – 42.18B
+17.0% YoY
|
44.87B
44.87B – 44.87B
+6.4% YoY
|
| Net Income |
60.90B
est: 52.22B (+16.6%)
|
61.67B
est: 61.36B (+0.5%)
|
64.12B
est: 66.59B (-3.7%)
|
65.02B
est: 65.38B (-0.6%)
|
77.15B
77.15B – 77.15B
+18.0% YoY
|
90.23B
90.23B – 90.23B
+16.9% YoY
|
95.46B
95.46B – 95.46B
+5.8% YoY
|
| SGA |
143.26M
est: 11.78M (+1,116.1%)
|
169.15M
est: 13.73M (+1,132.2%)
|
154.20M
est: 14.97M (+929.7%)
|
175.70M
est: 35.18M (+399.4%)
|
41.65M
41.65M – 41.65M
+18.4% YoY
|
48.73M
48.73M – 48.73M
+17.0% YoY
|
51.83M
51.83M – 51.83M
+6.4% YoY
|
| EPS |
4.66
est: 4.00 (+16.5%)
|
4.72
est: 4.70 (+0.4%)
|
4.91
est: 5.10 (-3.7%)
|
4.98
est: 5.00 (-0.4%)
|
5.90
5.90 – 5.90
+18.0% YoY
|
6.90
6.90 – 6.90
+16.9% YoY
|
7.30
7.30 – 7.30
+5.8% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-15 | B- | 2/5 | 1/5 | 4/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-14 | C+ | 2/5 | 1/5 | 4/5 | 4/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-13 | C+ | 2/5 | 1/5 | 4/5 | 4/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-12 | C+ | 2/5 | 1/5 | 4/5 | 4/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-11 | C+ | 2/5 | 1/5 | 4/5 | 4/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-08 | C+ | 2/5 | 1/5 | 4/5 | 4/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-07 | C+ | 2/5 | 1/5 | 4/5 | 4/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-06 | C+ | 2/5 | 1/5 | 4/5 | 4/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-05 | C+ | 2/5 | 1/5 | 4/5 | 4/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-04 | C+ | 2/5 | 1/5 | 4/5 | 4/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-30 | C+ | 2/5 | 1/5 | 4/5 | 4/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-29 | C+ | 2/5 | 1/5 | 4/5 | 4/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-28 | C+ | 2/5 | 1/5 | 4/5 | 4/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-27 | C+ | 2/5 | 1/5 | 4/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-24 | C+ | 2/5 | 1/5 | 4/5 | 5/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-23 | B- | 2/5 | 1/5 | 4/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-22 | B- | 2/5 | 1/5 | 4/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-21 | B- | 2/5 | 1/5 | 4/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-20 | B- | 2/5 | 1/5 | 4/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-17 | B- | 2/5 | 1/5 | 4/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-16 | B- | 2/5 | 1/5 | 4/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-15 | B- | 2/5 | 1/5 | 4/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-13 | B- | 2/5 | 1/5 | 4/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-10 | B- | 2/5 | 1/5 | 4/5 | 5/5 | 1/5 | 2/5 | 1/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
21.44B
OE per share TTM
1.64
Owner's Yield
1.66%
Maintenance CapEx ratio
0.54%
Maint CapEx / Avg PPE
0.1%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
No recent insider transactions.
Executive team
Top executives
EBIT / Employee
1.67B
Shares Outstanding
13.07B
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
No proxy statements available for this company yet.
Recent SEC filings
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Vijay Babulal Shirode | Joint GM of Law & Company Secretary | 4M | male |
| Manoj Kumar Dubey | MD, Chief Executive Officer & Chairman | 4M | male |
| Pranav Kumar Mallick | Part-Time Chief Vigilance Officer | — | male |
| Ajoy Choudhury | Chief Risk Officer | — | male |
| Sanjay Jain | Chief Compliance Officer | — | male |
| Shwet Ketu Mishra | Chief General Manager of Technology | — | — |
| Randhir Sahay | Chief Financial Officer & Director | — | male |
| Manish Chandra | Executive Director of HR | — | male |
ESG Score History
No data available for this company.
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
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Community Opinion for IRFC.NS
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
