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Indian Railway Fin. share price

Indian Railway Finance Corporation Ltd.

NSE: IRFC BSE: 543257 SECTOR: Finance Term Lending  878k   5k   2k

116.50
-2.35 (-1.98%)
BSE: 09 May 04:01 PM

Price Summary

Today's High

₹ 117.8

Today's Low

₹ 114.3

52 Week High

₹ 229.05

52 Week Low

₹ 108.05

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

152248.09 Cr.

Advances

0 Cr.

No. of Shares

1306.85 Cr.

P/E

23.42

P/B

2.89

Face Value

₹ 10

Div. Yield

1.37 %

Book Value (TTM)

₹  40.3

Operating Revenue

26644.58 Cr.

Net Profit

6412.55 Cr.

Promoter Holding

86.36 %

EPS (TTM)

₹  4.98

Sales Growth

12.32

ROE

13.66 %

ROCE

5.73%

Profit Growth

3.97 %

* 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 30 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 Year12.32%
3 Year19.1%
5 Year19.07%

Profit Growth

1 Year3.97%
3 Year13.24%
5 Year23.25%

ROE%

1 Year13.66%
3 Year14.63%
5 Year13.75%

ROCE %

1 Year5.73%
3 Year5.38%
5 Year5.38%

ROA%

1.3147

PEG Ratio

5.9

PAT Margin (%)

24.0653

EPS Growth(%)

3.9711

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2025 86.36 0.00
Dec 2024 86.36 0.00
Sep 2024 86.36 0.00
Jun 2024 86.36 0.00
Mar 2024 86.36 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • Operating Income has grown well for the company over past 3 years: 3 years CAGR 19.1024373339069%.
  • The company has delivered substantial profit growth of 13.2364389617534% 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 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
Operating Revenue 6475.02 6765.63 6899.66 6763.43 6723.23
Other Income 2.97 0.39 0.54 2.96 0.57
Interest Expended 4724.72 5154.91 5248.74 5095.07 4996.37
Operating Expenses 34.22 32.69 37.72 39.32 44.27
Total Provisions 0 0 0 0 0
Depreciation 1.73 1.59 1.09 1.34 1.29
Profit Before Tax 1717.32 1576.83 1612.65 1630.66 1681.87
Tax 0 0 0 0 0
Net Profit 1717.32 1576.83 1612.65 1630.66 1681.87
Adjusted EPS (RS) 1.31 1.21 1.23 1.25 1.29

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

PARTICULARS Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Operating Income 13421.02 15770.47 20299.26 23721.42 26644.58
Other Income 0.07 0.39 2.33 44.26 15.26
Interest 10162.7 11237.05 14074.78 17447.21 20101.47
Operating Expenses 13.36 20.33 36.17 39.59 32.19
Total Provisions 52.93 97.35 100.49 111.73 114.08
Exceptional Items 0 0 0 0 0
Profit Before Tax 3192.1 4416.13 6090.16 6167.16 6412.1
Tax 0 0 0.32 0 0
Profit After Tax 3192.06 4416.13 6090.4 6167.76 6412.55
Adjusted EPS (Rs.) 2.69 3.38 4.66 4.72 4.91

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity and Liabilities
Share Capital 11880.46 13068.51 13068.51 13068.51 13068.51
Total Reserves 18419.29 22844.88 27927.83 31611.68 36110.06
Borrowings 230513.31 320213.65 388416.62 418929.26 412032.1
Other N/C liabilities 9.68 8.69 11.76 12.63 33.17
Current liabilities 17229.13 24994.56 20567.97 26736.68 23838.59
Total Liabilities 278051.87 381130.28 449992.69 490358.75 485082.43
Assets
Loans 0 0 0 0 0
Net Block 11.05 45.36 37.96 19.19 22.05
Capital WIP 0 0 0 0 0
Intangible WIP 0 0 0 0 3.78
Investments 11.51 11.98 10 13.66 53.6
Other Loans 2.84 19.13 19.09 46.62 56.45
Other N/C Assets 1803.4 625.84 1306.04 6880.71 5702.45
Current Assets 276223.08 380427.98 448619.59 483398.57 479244.11
Total Assets 278051.87 381130.28 449992.69 490358.75 485082.43
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Mar 2024% Jun 2024% Sep 2024% Dec 2024% Mar 2025%
promoters 86.36 86.36 86.36 86.36 86.36
president of india acting... - - - - 86.36
president of india acting... 86.36 86.36 86.36 86.36 -
PARTICULARS Jun 2022% Sep 2022% Dec 2022% Mar 2023% Mar 2025%
investors 13.64 13.64 13.64 13.64 13.64
life insurance corporatio... - - - - 1.05
hdfc trustee company limi... 1.62 1.60 1.36 1.27 -

Ratings & Research Reports

Company Presentations

Company News

Indian Railway Finance Corporation informs about outcome of board meeting 28 Apr, 4:14 PM Indian Railway Fin. - Quaterly Results 28 Apr, 2:22 PM Indian Railway Fin. - Quaterly Results 28 Apr, 2:22 PM Indian Railway Fin. - Quaterly Results 28 Apr, 2:22 PM Indian Railway Finance Corporation informs about disclosure 25 Apr, 5:26 PM Indian Railway Finance Corporation emerges as lowest bidder for Rs 5000 crore term loan to NTPC 25 Apr, 3:30 PM Indian Railway Finance Corporation informs about disclosure 8 Apr, 5:26 PM IRFC secures ‘Navratna Status’ from Government of India 4 Mar, 10:16 AM IRFC reports marginal rise in Q3 net profit 20 Jan, 5:44 PM Indian Railway Finance - Quaterly Results 20 Jan, 2:20 PM Indian Railway Finance - Quaterly Results 20 Jan, 2:20 PM Indian Railway Finance - Quaterly Results 20 Jan, 2:20 PM IRFC emerges as lowest bidder to finance Rs 3,167 crore for Jharkhand mine 15 Jan, 10:21 AM Indian Railway Finance Corporation informs about certificate 14 Jan, 5:11 PM IRFC signs MoU with REMCL 3 Jan, 9:30 AM Indian Railway Finance - Quaterly Results 4 Nov, 3:07 PM Indian Railway Finance - Quaterly Results 4 Nov, 3:07 PM Indian Railway Finance - Quaterly Results 4 Nov, 3:07 PM Indian Railway Finance - Quaterly Results 12 Aug, 5:22 PM Indian Railway Finance - Quaterly Results 12 Aug, 5:22 PM Indian Railway Finance - Quaterly Results 12 Aug, 5:22 PM Indian Railway Finance Corporation informs about AGM 6 Aug, 2:59 PM Indian Railway Finance Corporation informs about BRSR 6 Aug, 1:07 PM Indian Railway Finance Corporation reports 34% rise in Q4 net profit 21 May, 4:43 PM Indian Railway Finance - Quaterly Results 20 May, 5:14 PM Indian Railway Finance - Quaterly Results 20 May, 5:14 PM Indian Railway Finance - Quaterly Results 20 May, 5:14 PM Indian Railway Finance - Quaterly Results 9 Feb, 5:01 PM Indian Railway Finance - Quaterly Results 9 Feb, 5:01 PM Indian Railway Finance - Quaterly Results 9 Feb, 5:01 PM Indian Railway Finance Corporation reports 10% fall in Q2 net profit 3 Nov, 2:07 PM Indian Railway Finance - Quaterly Results 2 Nov, 5:19 PM Indian Railway Finance - Quaterly Results 2 Nov, 5:19 PM Indian Railway Finance - Quaterly Results 2 Nov, 5:19 PM Indian Railway Finance Corporation informs about newspaper publication 23 Sep, 11:46 AM Indian Railway Finance Corporation informs about disclosure 18 Sep, 4:44 PM Indian Railway Finance Corporation informs about newspaper clipping 24 Aug, 3:04 PM Indian Railway Finance Corporation informs about notice of 36th AGM 23 Aug, 4:30 PM Indian Railway Finance - Quaterly Results 11 Aug, 5:38 PM Indian Railway Finance - Quaterly Results 11 Aug, 5:38 PM Indian Railway Finance Corporation signs MoU with RITES 28 Jul, 10:07 AM Indian Railway Finance - Quaterly Results 25 May, 12:36 PM Indian Railway Finance - Quaterly Results 25 May, 12:36 PM Indian Railway Finance - Quaterly Results 25 May, 12:36 PM Indian Railway Finance Corporation informs about pre-mature termination of CMD 6 May, 3:31 PM Indian Railway Finance - Quaterly Results 13 Feb, 2:05 PM Indian Railway Finance - Quaterly Results 13 Feb, 2:05 PM Indian Railway Finance - Quaterly Results 13 Feb, 2:05 PM Indian Railway Finance - Quaterly Results 10 Nov, 6:55 PM Indian Railway Finance - Quaterly Results 10 Nov, 6:55 PM

Indian Railway Fin. Stock Price Analysis and Quick Research Report. Is Indian Railway Fin. 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.

Indian Railway Fin. stock price today is Rs 116.42. To understand the functions of the Indian Railway Fin. 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 6412.104 Cr and the compounded growth of profit in the past 3 years is 13.2362982000843 %. The PAT margin of Indian Railway Fin. is 24.0653 %.

  • 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 Fin. , the EPS grew by 3.9711 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): The Company has a average ROE track record. The ROE of Indian Railway Fin. is at 13.6633 % 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 Fin. is worth at the current levels at Rs 116.42. The stock is trading at a current P/E ratio of 29.0227 and the average historical P/E for the last 5 years was 9.21081027326718.

  • Share Price: - The current share price of Indian Railway Fin. is Rs 116.42. One can use valuation calculators of ticker to know if Indian Railway Fin. share price is undervalued or overvalued.

  • P/B ratio can be one of the best metrics to value such companies. Currently, Indian Railway Fin. is trading at a P/B of 2.8944 . The average historical P/B for the last 5 years was 1.21619872837781. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

Last Updated on:
Brief about Indian Railway Fin.

Current Indian Railway Finance Corporation Share Price

As of 8th May 2025, 13:20:48 IST, the Indian Railway Finance Corporation Share Price (IRFC Share Price) on the NSE was trading at Rs 121.11. The Indian Railway Finance Corporation Stock Price Today showed a marginal decrease of -0.12% compared to its opening price for the session. Investors tracking the IRFC NSE (IRFC) and IRFC BSE (543257) symbols have noted this price movement. For the most current, regularly updated Indian Railway Finance Corporation share price, please refer to the live ticker section located above on this page. That section provides a real-time IRFC share price summary, including the day's high/low and the 52-week high/low.

Indian Railway Finance Corporation Share Returns Performance

The historical returns for Indian Railway Finance Corporation highlight its performance over various timeframes (as of 7th May 2025):

  • 1 Week: -5.07%
  • 1 Month: -3.48%
  • 3 Months: -11.61%
  • 1 Year: -22.59%
  • 3 Years: +455.25%

An analysis of Indian Railway Finance Corporation Returns (IRFC Returns) shows negative returns in the short to medium term (1 week, 1 month, 3 months, and 1 year). However, the IRFC historical returns indicate a very strong performance over the last three years. It is important to note IRFC was listed in January 2021. As detailed in the interactive charts and data section above on this webpage, you can explore the share price chart and analyse its returns generated over various specific time frames, such as one week, one month, six months, one year, and three years.  

Latest News Impacting Indian Railway Finance Corporation Share Price

Several recent developments are influencing the Indian Railway Finance Corporation share price:

  1. Q4 FY25 Results and Fundraising Approval: Indian Railway Finance Corporation announced its Q4 FY25 results on 28th April 2025. The company reported a net profit of Rs 1,681.87 crore, a decrease of 2.1% year-on-year. However, revenue from operations saw an increase of 3.8% year-on-year, reaching Rs 6,722.83 crore. Significantly, the IRFC board approved a substantial fundraising plan of up to Rs 60,000 crore for the financial year 2025-26 through various domestic and international market instruments. This fundraising is aimed at meeting the funding requirements of Indian Railways, new business activities, and other corporate purposes. The announcement of such a large borrowing programme is a key factor for the IRFC Share Price outlook.  
     
  2. Strategic Diversification of Lending Portfolio: IRFC is actively pursuing a strategy to diversify its lending portfolio beyond its traditional financing for the Ministry of Railways. This includes funding projects that have forward and backward linkages with the railways, such as financing for NTPC's rakes, a term loan to NTPC Renewable Energy Limited, and a loan for Patratu Vidyut Utpadan Nigam Ltd's (PVUNL) Banhardih Coal Block. IRFC has also signed MoUs with REMCL (Railway Energy Management Company Ltd) for renewable energy projects and with MMRDA (Mumbai Metropolitan Region Development Authority) for infrastructure development. This diversification is a significant business development as Indian Railways has reportedly not sought fresh funding from IRFC since FY24. These new avenues could impact the Factors Affecting Indian Railway Finance Corporation Share Price.  
     
  3. Dividend History: While no new dividend was announced with the Q4 FY25 results, IRFC has a track record of paying dividends. The most recent interim dividend was Rs 0.8 per share, with an ex-date of 21st March 2025.  

The market reaction to the Q4 results, the large fundraising plan, and the ongoing diversification strategy will be crucial for the Indian Railway Finance Corporation stock price movements in the near term.

Conclusion on Indian Railway Finance Corporation Stock Price

The Indian Railway Finance Corporation stock price (IRFC stock price) has seen a downturn in the shorter to medium term but has delivered strong returns over a three-year period since its listing. The recent Q4 FY25 results showed a mixed performance with a dip in net profit but a rise in revenue, coupled with a significant fundraising approval for FY26. The company's strategic shift to diversify its lending portfolio is a key development to watch. Overall, the sentiment for IRFC stock analysis is currently cautious due to recent price corrections and a decline in net profit, but the long-term infrastructure financing role and diversification efforts could provide future stability and growth potential.  

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