Indian Railway Finance Corporation Ltd.

NSE: IRFC BSE: 543257 SECTOR: Finance Term Lending  154k   2k   934

32.80
-2.50 (-7.08%)
NSE: Today, 03:59 PM

Price Summary

Today's High

₹ 37.1

Today's Low

₹ 32.5

52 Week High

₹ 36.3

52 Week Low

₹ 19.3

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyPoor
The company seems highly inefficient in case of asset management.
FinancialsVery Stable
The company possesses stable growth history and sound margins.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

42864.7 Cr.

Advances

0 Cr.

No. of Shares

1306.85 Cr.

P/E

6.63

P/B

0.98

Face Value

₹ 10

Div. Yield

3.97 %

Book Value (TTM)

₹  33.32

Operating Revenue

20299.26 Cr.

Net Profit

6089.84 Cr.

Promoter Holding

86.36 %

EPS (TTM)

₹  4.94

Sales Growth

28.72

ROE

15.84 %

ROCE

5.12%

Profit Growth

37.9 %

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

Your Added Ratios

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Index Presence

The company is present in 22 Indices.

Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.
* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

View Full Peer Comparison
* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

Track the companies of Group.

Ratios

Income Growth

1 Year28.72%
3 Year22.17%
5 Year17.54%

Profit Growth

1 Year37.9%
3 Year39.26%
5 Year45.5%

ROE%

1 Year15.84%
3 Year13.57%
5 Year13.62%

ROCE %

1 Year5.12%
3 Year5.3%
5 Year6.1%

ROA%

1.46544765314547

PEG Ratio

0.18

PAT Margin (%)

30.0002798131006

EPS Growth(%)

37.8997729234543

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Sep 2022 86.36 0
Jun 2022 86.36 0
Mar 2022 86.36 0
Dec 2021 86.36 0
Sep 2021 86.36 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • The company is trading at 0.683767023348913 times the book value
  • Operating Income has grown well for the company over past 3 years: 3 years CAGR 22.1651786381312%.
  • The company has delivered substantial profit growth of 0% over past 3 years.
  • Promoters shareholding is 86.36%.

 Limitations

 Looks like the company does not have any serious limitations.

Quarterly Result (All Figures in Cr.)

PARTICULARS Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022
Operating Revenue 4690.02 5095.96 5931.72 5627.44 5809.8
Other Income 0.02 1.19 1.08 0.03 0.59
Interest Expended 3157.13 3491.34 4352.83 3939.64 4058.54
Operating Expenses 28.33 8.8 82.45 22.74 34.07
Total Provisions 0 0 0 0 0
Depreciation 3.11 3.1 4.72 3.51 3.51
Profit Before Tax 1501.48 1593.91 1492.81 1661.58 1714.28
Tax 0 0 0.32 0 0
Net Profit 1501.48 1593.91 1492.5 1661.58 1714.28

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
Operating Income 11018.51 11133.59 13421.02 15770.47 20299.26
Other Income 1.72 0 0.07 0.39 2.33
Interest 8436.87 8183.1 10162.7 11237.05 14074.78
Operating Expenses 13.05 11.79 13.36 20.33 36.17
Total Provisions 25.16 37.13 52.93 97.35 100.49
Exceptional Items 0 0 0 0 0
Profit Before Tax 2545.15 2901.59 3192.1 4416.13 6090.16
Tax 537.84 646.84 0 0 0.32
Profit After Tax 2007.31 2254.75 3192.1 4416.13 6089.84
Adjusted EPS (Rs.) 3.08 2.4 2.69 3.38 4.66

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
Equity and Liabilities
Share Capital 6526.46 9380.46 11880.46 13068.51 13068.51
Total Reserves 7038.75 15648.19 18419.29 22844.88 27927.83
Borrowings 114854.13 120611.92 151427.05 320213.65 388416.62
Other N/C liabilities 8441.71 8.12 2557.48 361.59 568.63
Current liabilities 25471.08 60954.91 93767.6 24641.66 20011.1
Total Liabilities 162332.13 206603.61 278051.87 381130.28 449992.69
Assets
Loans 0 0 0 0 0
Net Block 11.29 11.28 11.05 45.36 37.96
Capital WIP 0 0 0 0 0
Intangible WIP 0 0 0 0 0
Investments 5.33 13.15 11.51 11.98 10
Other Loans 42385.08 3.07 3181.28 17041.4 10190.92
Other N/C Assets 105824.23 46.69 0 625.84 1306.04
Current Assets 14106.19 206529.43 274848.03 363405.7 438447.76
Total Assets 162332.13 206603.61 278051.87 381130.28 449992.69
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Sep 2021% Dec 2021% Mar 2022% Jun 2022% Sep 2022%
Promoters 86.36 86.36 86.36 86.36 86.36
president of india... 86.36 86.36 - - 86.36
president of india... - - 86.36 86.36 -
PARTICULARS Sep 2021% Dec 2021% Mar 2022% Jun 2022% Sep 2022%
Investors 13.64 13.64 13.64 13.64 13.64
hdfc trustee compa... 1.66 - 1.65 1.62 1.60
hdfc trustee compa... - 1.65 - - -

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

Indian Railway Finance - Quaterly Results10 Nov 2022, 6:55PM Indian Railway Finance - Quaterly Results10 Nov 2022, 6:55PM Indian Railway Finance Corporation informs about newspaper clipping5 Nov 2022, 2:26PM Indian Railway Finance Corporation inks MoU with IIFCL 12 Oct 2022, 9:27AM Indian Railway Finance Corporation informs about investor presentation16 Aug 2022, 4:33PM IRFC’s board approves Rs 1500 crore funding for Haryana Orbital Rail Corridor Project 10 Aug 2022, 4:42PM Indian Railway Finance - Quaterly Results10 Aug 2022, 1:59PM Indian Railway Finance - Quaterly Results10 Aug 2022, 1:59PM Indian Railway Finance - Quaterly Results10 Aug 2022, 1:59PM Indian Railway Finance Corporation informs about investor presentation24 May 2022, 4:41PM Indian Railway Finance - Quaterly Results20 May 2022, 2:26PM Indian Railway Finance - Quaterly Results20 May 2022, 2:26PM Indian Railway Finance - Quaterly Results20 May 2022, 2:26PM Indian Railway Finance Corporation informs about board meeting intimation9 May 2022, 2:16PM Indian Railway Finance Corporation informs about analyst meet11 Feb 2022, 12:09PM Indian Railway Finance - Quaterly Results10 Feb 2022, 2:26PM Indian Railway Finance - Quaterly Results10 Feb 2022, 2:26PM Indian Railway Finance - Quaterly Results10 Feb 2022, 2:26PM IRFC raises $500 million via green notes issuance 21 Jan 2022, 3:08PM IRFC raises $500 million via green offshore bonds18 Jan 2022, 9:43AM Indian Railway Finance - Quaterly Results1 Nov 2021, 1:44PM Indian Railway Finance Corporation informs about cessation of director21 Jul 2021, 1:20PM Indian Railway Finance Corporation informs about outcome of board meeting19 May 2021, 4:44PM IRFC sells $750 million worth of dollar-denominated bonds5 Feb 2021, 1:07PM Indian Railway Finance Corporation coming with an IPO to raise Rs 4633 crore15 Jan 2021, 3:41PM

Indian Railway Finance Stock Price Analysis and Quick Research Report. Is Indian Railway Finance an attractive stock to invest in?

 

Around 2% of India's total population invests in financial assets. The penetration of the mutual fund industry in India is close to 7% (Based on the number of PAN cardholders). This under penetration of the mutual fund industry offers a huge opportunity for the industry to grow.

Migration to financial savings, wider distribution and sustainable performance are expected to enable growth in the industry.

Also, increasing financial literacy among investors, digitization and the number of mediums available tend to attract more investors to invest in the financial markets.

To understand the functions of the Indian Railway Finance better, you must go through the following points:

Key Financials –

  • Profitability: Profit margin (PAT margin) of the company shows how well a company controls its cost. It is one of the important indicators to show the financial health of the company. Net profit of the company is Rs 6089.836 Cr and the compounded growth of profit in the past 3 years is 39.26255530553 %. The PAT margin of Indian Railway Finance is 30.0002798131006 %.

  • EPS growth: Investors should ensure the EPS figure is growing faster than revenue numbers because it indicates company management is increasing the efficiency with which it runs the company. In Indian Railway Finance , the EPS grew by 37.8995028409091 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): The Company has a average ROE track record. The ROE of Indian Railway Finance is at 15.8363230073826 % for the latest year.

  • P/E Ratio: Relative valuation metrics like the P/E ratio can be used to see if the stock of Indian Railway Finance is worth at the current levels at Rs 33.05. The stock is trading at a current P/E ratio of 4.60307065247734 and the average historical P/E for the last 5 years was 2.27893027326718.

  • P/B ratio can be one of the best metrics to value such companies. Currently, Indian Railway Finance is trading at a P/B of 0.9918 . The average historical P/B for the last 5 years was 0.303778728377809. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

Brief about Indian Railway Finance

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