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Indian Railway Fin. share price

Indian Railway Finance Corporation Ltd.

NSE: IRFC BSE: 543257 SECTOR: Finance Term Lending  9.02 L   5.88 K   2.04 K

133.85
-1.05 (-0.78%)
BSE: 18 Jul 04:01 PM

Price Summary

Today's High

₹ 135.4

Today's Low

₹ 133.65

52 Week High

₹ 211.3

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

174921.95 Cr.

Advances

4944.51 Cr.

No. of Shares

1306.85 Cr.

P/E

26.9

P/B

3.32

Face Value

₹ 10

Div. Yield

1.2 %

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 31Indices.

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

6.77

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 6423.37 6969.82 6824.81 5933.13 4944.51
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 150383.2 166194.83 201998.54 250237.58 265393.05
Current Assets 121219.91 207889.17 241102.29 234108.57 214609
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 -

Annual Reports

Title Link
Title Link
Annual Report 2024
Annual Report 2023
Annual Report 2022
Annual Report 2021
Annual Report 2020
Annual Report 2019
Annual Report 2018
Annual Report 2017

Ratings & Research Reports

TYPE AGENCY Link
TYPE AGENCY Link
Credit CARE
Credit CRISIL
TYPE AGENCY Link
TYPE AGENCY Link
 No Research reports exist for this company.Report us

Concalls & Presentations

TYPE QUARTER Link
TYPE QUARTER Link
Concall Q4FY22
Concall Q3FY22
Concall Q3FY21
Concall Q1FY22
TYPE QUARTER Link
TYPE QUARTER Link
Presentation Q4FY22
Presentation Q4FY21
Presentation Q3FY22
Presentation Q3FY22
Presentation Q3FY21
Presentation Q1FY22
Presentation FY2024

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 133.84. 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 133.84. 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 9.2108.

  • Share Price: - The current share price of Indian Railway Fin. is Rs 133.84. 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 3.3212 . The average historical P/B for the last 5 years was 1.2162. 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

The Indian Railway Finance Corporation (IRFC) share price on the National Stock Exchange (NSE) and Bombay Stock Exchange (BSE) closed at Rs 135.28 on Friday, July 11, 2025. This represented a slight decrease of -1.26% from its previous close. During the day's trading, the IRFC stock price today ranged between a high of Rs 137.37 and a low of Rs 135.00. 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

Here are the historical returns for Indian Railway Finance Corporation (IRFC) as of July 11, 2025:

  • 1 Week: -2.84%

  • 1 Month: -3.69%

  • 3 Months: +9.00%

  • 1 Year: -37.78%

  • 5 Years: +420.31%

Analysing the IRFC Returns, it is evident that the stock has experienced short-term downward pressure over the past week and month. However, its 3-month performance shows a positive recovery, and the long-term trend, particularly over five years, has been exceptionally strong, demonstrating significant wealth creation for long-term investors. The one-year negative return might indicate a correction after a strong previous run, or it could be influenced by broader market or sector-specific factors. 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, three years, and five years.

Latest News Impacting Indian Railway Finance Corporation Share Price

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

  • Q4 FY25 Results: IRFC reported its Q4 FY25 results with a slight dip in net profit to Rs 1,681.87 crore, a 2.06% decrease year-on-year. However, total income for the quarter saw a modest increase of 3.8% to Rs 6,724 crore. For the full FY25, net profit climbed 1.4% to Rs 6,502 crore. These figures reflect stable, though not accelerating, financial performance.

     

  • Diversification Plans: A key factor affecting IRFC share price is the company's strategic shift towards diversifying its funding avenues and client base beyond solely financing Indian Railways. IRFC's board has approved raising up to Rs 60,000 crore for FY26 from domestic and international markets, and the company is actively pursuing financing for metro railways and rapid rail projects. Margins from these new ventures are expected to be significantly higher (2x to 3x) compared to traditional railway lending. This diversification effort aims to improve IRFC's Net Interest Margin (NIM) to over 2% from the current 1.4%.

     

  • Recent Trading Activity: Market expert Lakshmikant noted that the IRFC stock is currently facing resistance around its 200-day moving average (DMA), typically between Rs 140-145, contributing to its recent consolidation and slight downtrend.

These developments highlight IRFC's stable financial base and its proactive steps to expand its business, which could lead to future growth, despite some recent technical resistance and a dip in short-term returns.

Conclusion on Indian Railway Finance Corporation Stock Price

The Indian Railway Finance Corporation share price is currently experiencing a period of consolidation after a remarkable long-term run. While short-term returns show a slight negative trend, the fundamental outlook for IRFC stock analysis remains robust, driven by its consistent profitability and strategic diversification into higher-margin railway-related financing. The company's strong dividend-paying history and the continuous government focus on railway infrastructure development also underpin investor confidence. The current sentiment appears to be watchful, with investors assessing the impact of diversification efforts on future profitability and the stock's ability to break past technical resistance levels.

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