What is Indian Railway Finance Corporation Ltd's market cap?

Indian Railway Finance Corporation Ltd (IRFC) has a market capitalization of ₹1.30 Lakh Cr.

What sector is IRFC in?

Indian Railway Finance Corporation Ltd operates in the NBFC — Lending & Credit sector.

What is IRFC's return on equity?

Indian Railway Finance Corporation Ltd has a return on equity (ROE) of 12.3%.

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Indian Railway Finance Corporation Ltd (IRFC) — Analysis, Financials, Intelligence | The Stock Filter

The Organism · Company Intelligence

Indian Railway Finance Corporation Ltd

IRFC|BSE: 543257

NBFC — Lending & CreditBanking & Financial Institutionshttps://irfc.co.in/

₹97.67

+₹0.67 (+0.69%)|MCap ₹1.30 Lakh Cr

As of 16 Jun 2026 (End of Day)

Div Yield: 2.15%

52W Low ₹87.0052W High ₹148.95

PE 43.7xMedian PE 15.1xPB 5.4x

Indian Railway Finance Corp. Ltd. engages in the business of borrowing funds from the finance markets to finance the acquisition of assets which are leased out to the Indian Railways as finance lease.

Secular Currents

Theme Connections

Banking Credit Growth

Intelligence Profile

TSF Score

55/100

The Vitals · Company Health

Health Indicators

Shenanigan Score

5Clean

Trust Score

X-Ray

Concerns

🟠High leverage (D/E: 7.69x)Business

Watch

Nothing flagged for monitoring

Strengths

🟢Good profitability (Net margin: 25.6%)Business
🟢Consistent dividend payerOpportunity

The Numbers · Key Metrics

PE Ratio

43.7x

ROE

12.3%

Debt/Equity

7.69x

₹1.24 Lakh Cr

The Narrator · StoryTel Intelligence

FY2025NBFC — Lending & CreditProduct Sales ModelModel:Revenue = Loan Book × Yield on Advances − Cost of Borrowing + Fee Income

Key Insight

“Operates in NBFC — Lending & Credit.”

The Revenue Story

₹27,152 Cr revenue.

Total Income₹27,156 Cr

Revenue₹27,152 Cr(100.0% of Total Income)

Other Income₹4 Cr(0.0% of Total Income)

The Cost Story

COGS 0.0%, employees 0.0%.

EBITDA₹27,003 Cr(56.7%)

Finance Costs₹20,495 Cr(43.0%)

Other Expenses₹140 Cr(0.3%)

Employee₹14 Cr(0.0%)

Depreciation₹5 Cr(0.0%)

1.0%EBITDA Margin

EBITDA

56.7%

Finance Costs

43.0%

Other Expenses

0.3%

Employee

0.0%

Depreciation

0.0%

Key Metrics

ROE

12.3%

vs median 5.4%

ROCE

5.3%

vs median 5.4%

Net Margin

25.6%

vs median 11.6%

EBITDA Margin

98.8%

vs median 30.1%

Debt To Equity

7.69x

vs median 0.15x

Forward View · Management Guidance

GUIDANCEQ3FY26High Impact

“add through 15 entities only in the next five years.”

GUIDANCEQ3FY26— 1High Impact

“AUM will be 5 lakh crore plus going forward, targeting 3 lakh crores addition through 15-20 clients in next 5 years at 15,000 crores each”

GUIDANCEQ3FY26High Impact

“next five year plan, 2030 plan”

The Context · Where does it sit?

Sector Context

The Canopy · Sector KPIs

Sector KPIs

NBFC — Lending & Credit

KPI	Company	Sector Median
ROE	12.3%▲	5.4%
ROCE	5.3%▼	5.4%
Net Margin	25.6%▲	11.6%
EBITDA Margin	98.8%▲	30.1%
Debt To Equity	7.69x▲	0.15x

The Market · What is the market saying?

Market Signals

The Antenna · Media Intelligence

Media Signal

Moderate Impact

7d+0.73→30d+0.73

Based on 1 article (0 in last 7 days)

The Numbers · Show me the data

Financials

No segment data

Revenue segment breakdown not available.

Financials

Revenue₹27,152 Cr

PBT₹6,502 Cr

EPS₹4.98

(₹ Cr)	FY2025	FY2024	FY2023	FY2022	FY2021
	₹27,152 Cr +1.9%	₹26,645 Cr +11.5%	₹23,892 Cr +17.7%	₹20,299 Cr +28.7%	₹15,770 Cr
	₹4 Cr -59.6%	₹11 Cr -74.1%	₹41 Cr	₹2 Cr +498.2%	₹0.39 Cr
Total Income	₹27,156 Cr +1.9%	₹26,656 Cr +11.4%	₹23,933 Cr +17.9%	₹20,302 Cr +28.7%	₹15,771 Cr
	₹20,654 Cr +2.0%	₹20,244 Cr +15.1%	₹17,596 Cr +23.8%	₹14,211 Cr +25.2%	₹11,355 Cr
Profit Before Tax	₹6,502 Cr +1.4%	₹6,412 Cr +1.2%	₹6,337 Cr +4.1%	₹6,090 Cr +37.9%	₹4,416 Cr
Net Profit	₹6,502 Cr +1.4%	₹6,412 Cr +1.2%	₹6,337 Cr +4.1%	₹6,090 Cr +37.9%	₹4,416 Cr
Other Comprehensive Income	(₹16 Cr) ↓ Decline	₹40 Cr +785.7%	₹5 Cr ↑ Recovery	(₹0.50 Cr) ↓ Decline	₹1 Cr
EPS	₹4.98	₹4.91	₹4.85	₹4.66	₹3.38
Diluted Shares	₹1,307 Cr	₹1,307 Cr	₹1,307 Cr	₹1,307 Cr	₹1,307 Cr
Impairment On Financial Instruments	₹0.68 Cr ↑ Recovery	(₹4 Cr) -35.0%	(₹3 Cr) ↓ Decline	₹0.46 Cr -83.0%	₹3 Cr

The Stakeholders · Ownership Pattern

Ownership

The Board · Corporate Governance

Governance

Trust74

No related party data available for this company.

This section will be populated when data becomes available.

The Evidence · Sources & Filings

Evidence

Earnings Calls

Q3FY2026

27 Jan 20264 citations

Confident

Q2FY2026

23 Oct 20254 citations

Confident

Q1FY2026

30 Jul 20254 citations

Confident

Q4FY2025

5 May 20254 citations

Confident

Q3FY2025

28 Jan 20254 citations

Confident

Q2FY2025

12 Nov 20244 citations

Confident

Q4FY2024

28 May 20244 citations

Confident

Q4FY2023

2 Jun 20234 citations

Confident

Q1FY2023

18 Aug 20224 citations

Confident

Q4FY2022

30 May 20224 citations

Confident

View all concalls →

Peer Comparison

Disclaimer · The Stock Filter is an information platform, not a SEBI-registered investment adviser. All data, scores, and narratives are generated from public filings and AI analysis — they do not constitute investment advice, recommendations, or endorsements. Always consult a qualified financial adviser before making investment decisions. Past performance does not guarantee future results.

Last synced: 17 Jun 2026

Data source: Public filings via TSF Bedrock

Announcements

50 filings

Press Release25 May 2026

Indian Railway Finance Corporation Limited has informed the Exchange regarding a press release dated May 25, 2026, titled "IRFC signs Rs 13,527 cr refinancing deal for Hyderabad Metro in major push to...

PDF

Updates20 May 2026

Indian Railway Finance Corporation Limited has informed the Exchange regarding 'Annual Secretarial Compliance Report for the year ended 31st March 2026'.

PDF

Analysts/Institutional Investor Meet/Con. Call Updates15 May 2026

Indian Railway Finance Corporation Limited has informed the Exchange about Link of Recording

PDF

Copy of Newspaper Publication15 May 2026

Indian Railway Finance Corporation Limited has informed the Exchange about Copy of Newspaper Publication

PDF

Press Release14 May 2026

Indian Railway Finance Corporation Limited has informed the Exchange regarding a press release dated May 14, 2026, titled "Press Release: Results for FY 25-26".

PDF

Outcome of Board Meeting14 May 2026

Indian Railway Finance Corporation Limited has submitted to the Exchange, the financial results for the period ended March 31, 2026.

PDF

Appointment7 May 2026

Indian Railway Finance Corporation Limited has informed the Exchange regarding Appointment of Ms Laya Madduri as Non- Executive Director of the company w.e.f. May 07, 2026.

PDF

General Updates27 Apr 2026

Indian Railway Finance Corporation Limited has informed the Exchange about General Updates

PDF

Trading Window24 Mar 2026

Indian Railway Finance Corporation Limited has informed the Exchange regarding the Trading Window closure pursuant to SEBI (Prohibition of Insider Trading) Regulations, 2015

PDF

Press Release12 Mar 2026

Indian Railway Finance Corporation Limited has informed the Exchange regarding a press release dated March 12, 2026, titled "IRFC Conducts ECB Roadshow in Taiwan and Hong Kong engaging APAC Investors ...

PDF

Updates9 Mar 2026

Indian Railway Finance Corporation Limited has informed the Exchange regarding 'Outcome of Meeting of Board of Directors held on Monday 09th March 2026'.

PDF

Record Date9 Mar 2026

Indian Railway Finance Corporation Limited has informed the Exchange that Record date for the purpose of Dividend is 13-Mar-2026.

PDF

Dividend9 Mar 2026

Indian Railway Finance Corporation Limited has informed the Exchange that Board of Directors at its meeting held on March 09, 2026, declared Interim Dividend of Rs. 1.05 per equity share.

PDF

Press Release4 Mar 2026

Indian Railway Finance Corporation Limited has informed the Exchange regarding a press release dated March 04, 2026, titled "IRFC Conducts ECB Roadshow in Singapore Engages Japanese Regional Investors...

PDF

Disclosure of material issue28 Feb 2026

Indian Railway Finance Corporation Limited has informed regarding Disclosure of material issue

PDF

Indian Railway Finance Corporation Ltd

Theme Connections

Intelligence Profile

Health Indicators

X-Ray

Concerns

Watch

Strengths

Sector Context

Sector KPIs

Market Signals

Media Signal

Financials

No segment data

Financials

Ownership

Governance

Evidence

Earnings Calls

Peer Comparison

Growth (CAGR)

Key Ratios

Profitability

Leverage

Growth

Earnings Call Transcripts

Announcements