Indian Railway Finance Corporation Ltd Stock Price Today (NSE: IRFC)
Fundamental Score
Indian Railway Finance Corporation Ltd Share Price — Live NSE/BSE Price, Fundamentals & Analysis
Indian Railway Finance Corporation Ltd share price today is ₹96.27, down 1.27% on NSE/BSE as of 1 June 2026. Indian Railway Finance Corporation Ltd (IRFC) is a Large-cap company in the Financial Institution sector with a market capitalisation of ₹1.53L (Cr). The 52-week high for IRFC share price is ₹148.95 and the 52-week low is ₹87.00. At a P/E ratio of 22.38x, IRFC is currently trading above its industry average P/E of 22.38x. The company has a Return on Equity (ROE) of 12.77% and a debt-to-equity ratio of 7.25.
Indian Railway Finance Corporation Ltd Share Price Chart — NSE/BSE Historical Performance
Indian Railway Finance Corporation Ltd share price chart: -6.34% return over the past month. 52-week high ₹148.95, 52-week low ₹87.00.
Indian Railway Finance Corporation Ltd — Last 10 Trading Days
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| ₹99.20 | ₹99.94 | ₹98.83 | ₹99.19 | 67.52L (Cr) | |
| ₹100.50 | ₹100.83 | ₹99.00 | ₹99.28 | 84.88L (Cr) | |
| ₹99.00 | ₹101.08 | ₹98.99 | ₹100.45 | 135.16L (Cr) | |
| ₹98.17 | ₹98.41 | ₹97.40 | ₹98.19 | 60.17L (Cr) | |
| ₹98.00 | ₹98.53 | ₹97.56 | ₹98.17 | 80.99L (Cr) | |
| ₹96.20 | ₹97.30 | ₹95.65 | ₹97.13 | 65.36L (Cr) | |
| ₹98.00 | ₹98.48 | ₹96.90 | ₹97.22 | 86.71L (Cr) | |
| ₹98.00 | ₹98.02 | ₹95.17 | ₹97.66 | 130.41L (Cr) | |
| ₹100.58 | ₹100.93 | ₹98.50 | ₹98.86 | 134.16L (Cr) | |
| ₹102.29 | ₹103.63 | ₹99.58 | ₹100.19 | 183.08L (Cr) |
Indian Railway Finance Corporation Ltd — Last 12 Months Price History
| Month | Open | High | Low | Close | Change |
|---|---|---|---|---|---|
| ₹104.21 | ₹107.66 | ₹95.17 | ₹99.19 | -4.82% | |
| ₹90.83 | ₹108.38 | ₹88.60 | ₹104.21 | +14.73% | |
| ₹96.48 | ₹102.02 | ₹87.00 | ₹87.23 | -9.58% | |
| ₹114.99 | ₹119.79 | ₹100.66 | ₹102.46 | -10.89% | |
| ₹125.31 | ₹129.75 | ₹112.61 | ₹120.10 | -4.16% | |
| ₹117.57 | ₹137.17 | ₹109.70 | ₹124.62 | +6.00% | |
| ₹123.25 | ₹123.67 | ₹115.65 | ₹117.57 | -4.61% | |
| ₹123.50 | ₹128.51 | ₹121.68 | ₹123.31 | -0.15% | |
| ₹118.40 | ₹130.85 | ₹118.23 | ₹123.51 | +4.32% | |
| ₹128.34 | ₹130.60 | ₹117.33 | ₹118.11 | -7.97% | |
| ₹142.06 | ₹143.15 | ₹127.00 | ₹128.34 | -9.66% | |
| ₹138.80 | ₹148.95 | ₹131.56 | ₹141.72 | +2.10% |
Returns & Performance
Return on Equity (ROE)
Profit generated per ₹1 of shareholder equity
Return on Capital (ROCE)
Returns generated on total capital deployed
Oper. Profit Margin (5Y Avg)
Average operating profit margin over 5 years
Dividend Yield
Annual dividend as % of current share price
Indian Railway Finance Corporation Ltd Valuation Check
Price to Earnings (P/E)
Share price ÷ earnings per share. Lower = cheaper
Industry Avg P/E
Average P/E of all peers in this sector
Market Capitalisation
Total market value of all outstanding shares
Growth Engine
Profit Growth (Quarterly YoY)
Net profit growth vs same quarter last year
Revenue Growth (Quarterly YoY)
Revenue growth vs same quarter last year
Revenue Growth (5-Year CAGR)
Compounded annual revenue growth over 5 years
EPS Growth (5-Year CAGR)
Earnings per share growth over 5 years
Net Profit Growth (5-Year CAGR)
Compounded annual net profit growth over 5 years
Balance Sheet Health
Debt to Equity Ratio
Total debt ÷ equity. Below 0.5 = financially healthy
Interest Coverage Ratio
EBIT ÷ interest expense. Above 2.5 = can pay interest comfortably
Free Cash Flow (5-Year Total)
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
4 factors identified
Strong Operating Margins (99.42%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages.
Consistent Growth Track Record (15.13% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model.
Strong Profit Growth Track Record (15.29% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
7 factors identified
Suboptimal ROCE (5.83%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation.
Revenue Contraction (-7.65%)
Observation: Sales decline may indicate market challenges or competitive pressures.
Analysis: Negative revenue growth requires analysis of market conditions.
Elevated Debt Levels (D/E: 7.25)
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 (₹-166776.46 Cr over 5Y)
Observation: Cash outflows exceed inflows.
Analysis: Negative FCF requires analysis of capital expenditure cycle.
Limited Public Float (86.36% 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: 2.45%)
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 8 other companies in the same sector
| 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 |
39.6/100 | ₹96.27₹96 | ₹152980.11₹152980.11 | 22.38Average 22.4 Average | 12.77%Average 12.77% Average | 5.83%Poor 5.83% Poor | 7.25Poor 7.3 Poor | 15.29%Excellent 15.29% Excellent | 15.13%Excellent 15.13% Excellent | 1.37% | |
Power Finance Corporation LtdPower Finance C... PFC • 532810 | 57.2/100 | ₹431.60₹432 | ₹118985.95₹118985.95 | 4.81Average 4.8 Average | 21.01%Excellent 21.01% Excellent | 9.73%Poor 9.73% Poor | 7.88Poor 7.9 Poor | 26.42%Excellent 26.42% Excellent | 11.49%Good 11.49% Good | 4.38% |
Rec LtdRec Ltd... RECLTD • 532955 | 55.8/100 | ₹334.25₹334 | ₹94348.22₹94348.22 | 5.46Average 5.5 Average | 21.51%Excellent 21.51% Excellent | 9.96%Poor 9.96% Poor | 6.18Poor 6.2 Poor | 26.14%Excellent 26.14% Excellent | 13.49%Good 13.49% Good | 5.03% |
42.4/100 | ₹202.11₹202 | ₹47705.45₹47705.45 | 17.02Average 17.0 Average | 15.67%Good 15.67% Good | 9.62%Poor 9.62% Poor | 7.03Poor 7.0 Poor | 9.66%Good 9.66% Good | 6.45%Good 6.45% Good | 1.74% | |
64.8/100 | ₹127.77₹128 | ₹40039.93₹40039.93 | 23.24Average 23.2 Average | 18.05%Good 18.05% Good | 9.37%Poor 9.37% Poor | 5.41Poor 5.4 Poor | 51.26%Excellent 51.26% Excellent | 23.31%Excellent 23.31% Excellent | 0.00% | |
IFCI LtdIFCI Ltd... IFCI • 500106 | 50.6/100 | ₹61.73₹62 | ₹13837.98₹13837.98 | 36.34Average 36.3 Average | 2.60%Poor 2.60% Poor | 8.08%Poor 8.08% Poor | 0.40Excellent 0.4 Excellent | 22.37%Excellent 22.37% Excellent | -8.19%Poor -8.19% Poor | 0.00% |
Tourism Finance Corporation of India LtdTourism Finance... TFCILTD • 526650 | 17.2/100 | ₹73.05₹73 | ₹3198.30₹3198.30 | 28.44Average 28.4 Average | 8.51%Poor 8.51% Poor | 10.67%Average 10.67% Average | 0.82Good 0.8 Good | 3.91%Average 3.91% Average | -1.00%Poor -1.00% Poor | 0.87% |
HARYANA FINANCIAL CORPORATIONHARYANA FINANCI... HARAFIN • 530927 | 13/100 | ₹63.00₹63 | ₹1676.01₹1676.01 | — — | 0.00%Poor 0.00% Poor | 0.03%Poor 0.03% Poor | 0.00Excellent 0.0 Excellent | — — | -32.15%Poor -32.15% Poor | 0.00% |
Gujarat State Financial CorporationGujarat State F... GUJSTATFIN • 532160 | 14.2/100 | ₹10.47₹10 | ₹101.41₹101.41 | — — | — — | — — | — — | -1.38%Poor -1.38% Poor | 3.10%Average 3.10% Average | 0.00% |
Top Financial Institution Stocks
View all →By Bull Run Score
By Return on Equity
By Market Cap
- Power Finance Corporation Ltd share price118985.95 Cr
- Rec Ltd share price94348.22 Cr
- Housing & Urban Development Corporation Ltd share price47705.45 Cr
- Indian Renewable Energy Development Agency Ltd share price40039.93 Cr
- IFCI Ltd share price13837.98 Cr
Indian Railway Finance Corporation Ltd PE Ratio History
Historical price-to-earnings ratio for IRFC — last 5 years
| Year | EPS (₹) | Price (₹) | P/E Ratio |
|---|---|---|---|
| FY 2025 | ₹4.98 | ₹124.62 | 25x |
| FY 2024 | ₹4.91 | ₹149.00 | 30.3x |
| FY 2023 | ₹4.72 | ₹99.10 | 21x |
| FY 2022 | ₹4.66 | ₹32.55 | 7x |
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 1.37%
| Financial Year | Dividends Paid (₹ Cr) |
|---|---|
| FY 2025 | ₹3005.76 Cr |
| FY 2024 | ₹1960.28 Cr |
| FY 2023 | ₹1868.80 Cr |
| FY 2022 | ₹1006.27 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)
-7.65%
Latest quarter vs same quarter previous year
Net Profit Growth (YoY)
10.19%
Latest quarter net profit vs same quarter previous year
5-Year Revenue CAGR
15.13%
Compounded annual revenue growth over 5 years
5-Year Profit CAGR
15.29%
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
Selling pressure is heavy — potential reversal zone.
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
Key Leadership
Corporate Events
Latest News
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 ₹96.27 on NSE and BSE. Market cap ₹1.53L (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 22.38x vs industry average 22.38x.
What is the Bull Run score for Indian Railway Finance Corporation Ltd?
Indian Railway Finance Corporation Ltd has a Bull Run score of 39.6/100 based on 25+ financial parameters.
Does Indian Railway Finance Corporation Ltd pay dividends?
Indian Railway Finance Corporation Ltd has a dividend yield of 1.37%. 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 12.77%. 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 7.25.
Is Indian Railway Finance Corporation Ltd a good investment?
Bull Run gives Indian Railway Finance Corporation Ltd a score of 39.6/100. This is not investment advice — consult a SEBI-registered advisor.