Indian Railway Finance Corporation Ltd Stock Price Today (NSE: IRFC)

Indian Railway Finance Corporation Ltd

88.72+0.31 (+0.35%)
Market Closed

Fundamental Score

...

Indian Railway Finance Corporation Ltd Share Price — Live NSE/BSE Price, Fundamentals & Analysis

Indian Railway Finance Corporation Ltd share price today is 88.72, up +0.35% on NSE/BSE as of 22 July 2026. Indian Railway Finance Corporation Ltd (IRFC) is a Large-cap company in the Financial Institution sector with a market capitalisation of 1.16L (Cr). The 52-week high for IRFC share price is 138.00 and the 52-week low is 86.93. At a P/E ratio of 16.57x, IRFC is currently trading below its industry average P/E of 17.39x. The company has a Return on Equity (ROE) of 12.81% and a debt-to-equity ratio of 7.69.

Indian Railway Finance Corporation Ltd Share Price Chart — NSE/BSE Historical Performance

No data
High
101.20
Low
86.93
Volume
1.5Cr
Change
-8.46%

Indian Railway Finance Corporation Ltd share price chart: -8.46% return over the past month. 52-week high ₹138.00, 52-week low ₹86.93.

Indian Railway Finance Corporation Ltd — Last 10 Trading Days

DateOpenHighLowCloseVolume
NaNNaNNaNNaN59.24L (Cr)
88.7089.1088.0088.3153.52L (Cr)
88.3889.1587.6488.7259.70L (Cr)
88.5088.8087.9288.4150.55L (Cr)
88.8789.3688.2588.4162.03L (Cr)
88.8090.0088.6088.8773.00L (Cr)
89.5089.6088.5188.7166.94L (Cr)
89.9089.9088.7289.7561.01L (Cr)
88.4190.0088.3189.9090.79L (Cr)
87.7188.5887.5588.1269.91L (Cr)

Indian Railway Finance Corporation Ltd — Last 12 Months Price History

MonthOpenHighLowCloseChange
90.980.000.00NaNNaN%
98.20101.2090.1990.53-7.81%
104.21107.6695.1797.51-6.43%
90.83108.3888.60104.21+14.73%
96.48102.0287.0087.23-9.58%
114.99119.79100.66102.46-10.89%
125.31129.75112.61120.10-4.16%
117.57137.17109.70124.62+6.00%
123.25123.67115.65117.57-4.61%
123.50128.51121.68123.31-0.15%
118.40130.85118.23123.51+4.32%
128.34130.60117.33118.11-7.97%

Returns & Performance

Poor

Return on Equity (ROE)

12.81%

Profit generated per ₹1 of shareholder equity

Poor

Return on Capital (ROCE)

5.64%

Returns generated on total capital deployed

Excellent

Oper. Profit Margin (5Y Avg)

99.31%

Average operating profit margin over 5 years

Good

Dividend Yield

2.36%

Annual dividend as % of current share price

Indian Railway Finance Corporation Ltd Valuation Check

Average

Price to Earnings (P/E)

16.57x

Share price ÷ earnings per share. Lower = cheaper

Poor

Industry Avg P/E

17.39x

Average P/E of all peers in this sector

Market-cap Classification
Large-cap
Established & liquid; typically steadier returns.

Shareholding Pattern

Excellent

Promoter Holding

84.65%

% shares held by company founders/management

Poor

FII Holding

1.16%

% shares held by foreign institutional investors

Poor

DII Holding

2.89%

% held by domestic mutual funds, LIC, banks

Excellent

Promoter Pledged %

0.00%

% of promoter shares pledged as collateral — lower is safer

Growth Engine

Poor

Profit Growth (Quarterly YoY)

0.15%

Net profit growth vs same quarter last year

Poor

Revenue Growth (Quarterly YoY)

9.11%

Revenue growth vs same quarter last year

Good

Revenue Growth (5-Year CAGR)

11.59%

Compounded annual revenue growth over 5 years

Poor

EPS Growth (5-Year CAGR)

9.68%

Earnings per share growth over 5 years

Poor

Net Profit Growth (5-Year CAGR)

9.68%

Compounded annual net profit growth over 5 years

Balance Sheet Health

Poor

Debt to Equity Ratio

7.69x

Total debt ÷ equity. Below 0.5 = financially healthy

Poor

Interest Coverage Ratio

1.35x

EBIT ÷ interest expense. Above 2.5 = can pay interest comfortably

Free Cash Flow (5-Year Total)

-1.04L (Cr)

Cash left after capex over 5 years. Positive = self-funded growth

Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice

Indian Railway Finance Corporation Ltd Fundamental Analysis & Valuation Benchmarking

Educational evaluation of IRFC across key market metrics for learning purposes.

Positive Indicators

2 factors identified

Strong Operating Margins (99.31%)

Observation: Healthy 5-year operating margins indicate pricing power and cost control.

Analysis: OPM >15% suggests operational efficiency and competitive advantages.

Zero Share Pledging Risk

Observation: No promoter shares pledged as collateral.

Analysis: Absence of share pledging eliminates potential forced-selling pressure.

Risk Factors

6 factors identified

Suboptimal ROCE (5.64%)

Observation: Returns on capital employed are below expectations.

Analysis: ROCE <10% suggests potential inefficiencies in capital allocation.

Elevated Debt Levels (D/E: 7.69)

Observation: High leverage increases financial risk and interest burden.

Analysis: High debt-to-equity ratios require monitoring of debt servicing capability.

Weak Interest Coverage (1.35x)

Observation: Limited ability to service debt obligations from earnings.

Analysis: Low interest coverage raises concerns about financial stability.

Negative Free Cash Flow (₹-103908.78 Cr over 5Y)

Observation: Cash outflows exceed inflows.

Analysis: Negative FCF requires analysis of capital expenditure cycle.

Limited Public Float (84.65% Promoter Holding)

Observation: High promoter holding may restrict liquidity and price discovery.

Analysis: Very high promoter holding can limit trading liquidity.

Limited Institutional Interest (FII+DII: 4.05%)

Observation: Low institutional participation may affect liquidity.

Analysis: Limited institutional interest may indicate size constraints or visibility issues.

Indian Railway Finance Corporation Ltd vs Financial Institution Peers

Peer Comparison - Financial Institution

Compare Indian Railway Finance Corporation Ltd with 6 other companies in the same sector

7 companies
Company Info
Fundamental
Valuation
Profitability
Financial Health
Growth
Dividend
Company
Company name
Score
Bull Run comprehensive fundamental score based on 20+ metrics
Price
Current trading price of the stock
Market Cap
Total value of all shares in the market
P/E
Price per share divided by earnings per share
ROE
Net income divided by shareholder equity
ROCE
Earnings before interest and tax divided by capital employed
Debt/Eq
Total debt divided by total equity
Profit 5Y
Average annual profit growth over 5 years
Sales 5Y
Average annual sales growth over 5 years
Dividend
Annual dividend per share divided by price per share
34.9/100
89
₹116113.64
16.6
Average
12.81%
Average
5.64%
Poor
7.7
Poor
9.68%
Good
11.59%
Good
2.36%
Rec Ltd...
RECLTD532955
40.5/100
352
₹92597.35
5.7
Average
19.97%
Good
9.71%
Poor
6.0
Poor
14.26%
Good
10.88%
Good
5.12%
63.3/100
205
₹41003.21
10.2
Average
20.20%
Excellent
8.41%
Poor
6.5
Poor
20.64%
Excellent
12.59%
Good
2.22%
48.3/100
121
₹34087.25
18.2
Average
15.58%
Good
8.69%
Poor
5.7
Poor
40.15%
Excellent
25.63%
Excellent
0.49%
IFCI Ltd...
IFCI500106
33.1/100
74
₹19970.29
108.2
Average
2.09%
Poor
5.03%
Poor
0.4
Excellent
15.94%
Excellent
-0.13%
Poor
0.00%
50.7/100
66
₹1360.16
162.3
Average
3.74%
Poor
3.76%
Poor
0.0
Excellent
51.20%
Excellent
79.63%
Excellent
0.00%
26.4/100
11
₹94.55
-0.72%
Poor
8.35%
Good
0.00%

Indian Railway Finance Corporation Ltd PE Ratio History

Historical price-to-earnings ratio for IRFC — last 5 years

YearEPS (₹)Price (₹)P/E Ratio
FY 20254.98₹124.6225x
FY 20244.91₹149.0030.3x
FY 20234.72₹99.1021x
FY 20224.66₹32.557x

P/E = year-end price ÷ diluted EPS from annual filings. Source: NSE/BSE via Bull Run.

Indian Railway Finance Corporation Ltd Dividend History

Annual cash dividends paid by IRFC — dividend yield 2.36%

Financial YearDividends Paid (₹ Cr)
FY 20253005.76 Cr
FY 20241960.28 Cr
FY 20231868.80 Cr
FY 20221006.27 Cr

Cash dividends from annual cash flow statements. Past dividends do not guarantee future payments. Not investment advice.

Indian Railway Finance Corporation Ltd Quarterly Performance

Latest quarterly metrics for IRFC — revenue growth and profit growth vs same quarter last year

Revenue Growth (YoY)

9.11%

Latest quarter vs same quarter previous year

Net Profit Growth (YoY)

0.15%

Latest quarter net profit vs same quarter previous year

5-Year Revenue CAGR

11.59%

Compounded annual revenue growth over 5 years

5-Year Profit CAGR

9.68%

Compounded annual net profit growth over 5 years

Indian Railway Finance Corporation Ltd Technical Indicators

SMA 50, SMA 200, RSI and volume signals for IRFC — calculated from daily price history

34RSI 14
Neutral — RSI 34

Momentum is balanced — neither overbought nor oversold.

SMA 50
96
▼ Price below SMA 50 — Short-term bearish
SMA 200
109
▼ Price below SMA 200 — Long-term downtrend
30-Day Avg Volume
13891K shares/day
Average daily traded volume over last 30 trading sessions

Technical indicators are for educational purposes only. Not investment advice.

Indian Railway Finance Corporation Ltd Financial Statements

Annual income statement, balance sheet and cash flow for Indian Railway Finance Corporation Ltd (IRFC) — sourced from NSE/BSE filings.

Loading Financial Statements...

Fetching financial data for Indian Railway Finance Corporation Ltd

About IRFC (Indian Railway Finance Corporation Ltd)

Indian Railway Finance Corporation Ltd is the dedicated financial arm of the Indian Railways, playing a pivotal role in facilitating the expansion and modernization of India's vast... railway network. Established as a public sector undertaking, IRFC operates as a specialized financial institution focused on mobilizing funds from both domestic and international markets to finance the acquisition of rolling stock assets like locomotives, coaches, and wagons, as well as the development of crucial railway infrastructure projects. The company's core function lies in providing lease financing solutions, enabling the Indian Railways to procure essential assets without incurring substantial upfront capital expenditure, thereby optimizing its resource allocation and enhancing operational efficiency. IRFC's business model revolves around a symbiotic relationship with the Indian Railways, acting as a crucial intermediary in securing financial resources and channeling them into the railway sector. By borrowing funds from diverse sources, including banks, financial institutions, and capital markets, IRFC effectively bridges the funding gap for railway infrastructure development. These funds are then utilized to procure assets that are subsequently leased to the Indian Railways under long-term lease agreements. This arrangement provides the Railways with predictable lease payments, while IRFC generates revenue through lease rentals, ensuring a sustainable and mutually beneficial financial ecosystem that supports the growth and modernization of the Indian railway network. Headquartered in New Delhi, IRFC's operations are intrinsically linked to the performance and expansion plans of the Indian Railways. As the primary financing arm, IRFC's financial stability and operational effectiveness are critical to ensuring the timely acquisition of essential railway assets and the successful execution of infrastructure projects. The company's success hinges on its ability to maintain strong relationships with both lenders and the Indian Railways, navigate the complexities of the financial markets, and effectively manage its assets and liabilities. By fulfilling its mandate, IRFC contributes significantly to the strengthening of India's railway infrastructure, a vital component of the nation's economic growth and connectivity.

Company Details

Symbol:IRFC
Industry:Financial Institution
Sector:Financial Institution

Key Leadership

Mr. Manoj Kumar Dubey
MD, CEO & Chairman
Mr. Vijay Babulal Shirode
Joint GM of Law & Company Secretary
Mr. Randhir Sahay
CFO & Director

IRFC Share Price: Frequently Asked Questions

What is the current share price of Indian Railway Finance Corporation Ltd?

Indian Railway Finance Corporation Ltd (IRFC) trades at ₹88.72 on NSE and BSE. Market cap ₹1.16L (Cr). Educational data only.

What is the P/E ratio of Indian Railway Finance Corporation Ltd?

Indian Railway Finance Corporation Ltd has a P/E of 16.57x vs industry average 17.39x.

What is the Bull Run score for Indian Railway Finance Corporation Ltd?

Indian Railway Finance Corporation Ltd has a Bull Run score of 34.9/100 based on 25+ financial parameters.

Does Indian Railway Finance Corporation Ltd pay dividends?

Indian Railway Finance Corporation Ltd has a dividend yield of 2.36%. Past dividends don't guarantee future payments.

What is the ROE of Indian Railway Finance Corporation Ltd?

Indian Railway Finance Corporation Ltd has ROE of 12.81%. Higher ROE indicates better use of shareholder equity.

What is the debt-to-equity ratio of Indian Railway Finance Corporation Ltd?

Indian Railway Finance Corporation Ltd has debt-to-equity of 7.69.

Is Indian Railway Finance Corporation Ltd a good investment?

Bull Run gives Indian Railway Finance Corporation Ltd a score of 34.9/100. This is not investment advice — consult a SEBI-registered advisor.