Indian Railway Finance Corp
NSE: IRFC · Financial Services · PSU
₹129.38
▼ -0.48%Price chart
Illustrative price history · not actual market candles
A. Company overview
Dedicated financing arm of Indian Railways.
B. Fundamental analysis (illustrative)
Revenue growth
+19.80%
Net profit growth
-1.67%
Operating margin
13.83%
EBITDA margin
17.02%
ROE
28.93%
ROCE
29.99%
Debt / Equity
1.21
EPS
₹8.17
Operating cash flow
₹4,661 Cr
Working capital
₹3,493 Cr
5-year revenue & profit (₹ Cr)
C. Financial statements (illustrative)
| ₹ Cr | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Revenue | 26,442 | 31,038 | 34,211 | 38,710 | 43,664 |
| EBITDA | 4,773 | 6,366 | 6,967 | 7,460 | 7,433 |
| Net profit | 2,983 | 3,979 | 4,355 | 4,663 | 4,646 |
| EPS (₹) | 5.72 | 6.37 | 7.03 | 7.68 | 8.33 |
D. Valuation analysis
P/E
15.84
P/B
8.02
EV/EBITDA
26.56
Price/Sales
2.24
EPS
₹8.17
Dividend yield
3.36%
Peer comparison — Financial Services
| Company | CMP | P/E | P/B | ROE | D/E |
|---|---|---|---|---|---|
| Indian Railway Finance Corp | 129.38 | 15.84 | 8.02 | 28.93% | 1.21 |
| Bajaj Finance | 895.14 | 44.3 | 7.76 | 21.63% | 0.46 |
| Bajaj Finserv | 1,996.2 | 17.08 | 6.55 | 20.31% | 0.5 |
E. Technical analysis
RSI (14)
51.31
MACD
-8.59
Support
₹122.91
Resistance
₹137.14
Volume
93,37,112
Illustrative technical charts · not actual market history
Candlestick (last 50 sessions)
Price with 50-DMA & 200-DMA, volume
Fibonacci retracement levels
F. Shareholding pattern
G. SWOT analysis
Strengths
- Established position in Financial Services
- ROE of 28.93% in demo data
Weaknesses
- Elevated leverage
- Cyclical exposure
Opportunities
- Domestic demand growth
- Expansion in Rolling Stock Leasing
Threats
- Regulatory changes
- Competitive intensity
Illustrative template points for demonstration.
H. Research conclusion
Financial strength
Moderate leverage to monitor
Business quality
High capital efficiency
Valuation
Reasonable valuation
Growth
Sales growth of 19.8%
Risk assessment
High risk
Overall
Illustrative BUY opinion · target ₹157.33 · stop loss ₹114.89
I. Corporate actions
Dividend history (₹/share)
| Year | Dividend |
|---|---|
| FY22 | 3.48 |
| FY23 | 3.74 |
| FY24 | 4 |
| FY25 | 4.26 |
| FY26 | 4.52 |
Bonus, splits & announcements
- Bonus history: none in demo dataset
- Stock split history: none in demo dataset
- Board meeting for quarterly results — demo announcement