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Indian Railway Finance Corporation Limited

Company price
79.95 INR 2.11 ( 2.71%)
Last update at 2026-11-05T09:45:00Z
VOLUME
11453176
Market Cap
1633563.31M
P/E
23.86

Momentum Score

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Indian Railway Finance Corporation Limited engages in leasing of rolling stock and railway infrastructure assets in India. The company also engages in lending business; and borrowing funds from commercial markets, financial markets to finance the acquisition/creation of assets that are leased out to the Indian Railways. Indian Railway Finance Corporation Limited was incorporated in 1986 and is based in New Delhi, India.

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Day Price Range
78.90
Low
80.43
High
52 Week Price Range
106.47
Low
153.25
High

Momentum Score

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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High

Key Metrics*

Previous Close
77.84
Dividend Yield
1.44%
Revenue TTM
70226.40M
Revenue Per Share
5.38
Gross Profit TTM
70216.60M
Debt / Equity
7.83
ROE
12.70%
Net Debt
4064524.00M
ROCE
1.36%
Diluted EPS TTM
5.24

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Type yearly yearly yearly yearly yearly
Date 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Income before tax 65020.00M 64121.04M 61671.56M 60901.55M 44161.31M
Net income 65020.00M 64121.04M 61671.56M 60898.36M 44161.31M
Selling general administrative 1255.80M 117.43M 30.23M 25.50M 24.29M
Selling and marketing expenses 135.10M 36.80M 30.71M 25.39M 3.73M
Gross profit 66606.40M 65720.91M 64309.68M 117061.93M 105315.44M
Reconciled depreciation 53.10M 94.42M 140.62M 140.25M 44.32M
Ebit 66282.60M 121346.84M 235857.45M 201643.28M 156279.53M
Ebitda 66335.70M 121441.26M 235998.07M 201783.53M 156323.85M
Depreciation and amortization 53.10M 94.42M 140.62M 140.25M 44.32M
Operating income 64984.10M 65566.68M 235857.45M 201643.28M 156279.53M
Other operating expenses 206534.90M 154.23M 124649.85M 87018.36M 53267.64M
Interest expense 79914.60M 57225.80M 51141.40M 54598.52M 59600.20M
Tax provision 0.00M 0.00M 3.19M 3.19M 0.00M
Interest income 874.30M 1142.61M 708.38M 181.07M 189.51M
Net interest income -79555.70M -56666.15M -50626.84M -54585.71M -59557.09M
Income tax expense - -48351.24M 62898.42M 3.19M 103788.90M
Total revenue 271519.00M 65720.91M 236506.98M 202802.79M 157513.07M
Total operating expenses 1448.90M 154.23M 1407.84M 1277.50M 1070.01M
Cost of revenue 205086.00M -56285.09M 174603.07M 85740.86M 52197.63M
Total other income expense net 35.90M -202001.45M -174185.89M -140741.73M -112118.22M
Net income from continuing ops 65020.00M 64121.04M 63370.13M 60898.36M 44161.31M
Net income applicable to common shares - - - 60898.36M 44161.31M
Breakdown 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Type yearly yearly yearly yearly yearly
Date 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Total assets 4888346.80M 4850824.26M 4911467.48M 4499802.24M 3780517.18M
Intangible assets 43.60M 47.63M 12.63M 16.51M 0.41M
Other current assets 55618.00M -46641.20M 143129.75M 164904.94M 68586.60M
Total liab 4361669.10M 4359038.59M 4456764.31M 4089838.84M 3421383.36M
Total stockholder equity 526677.70M 491785.67M 454703.17M 409963.40M 359133.82M
Other current liab 128.90M -228716.11M -239680.88M 192308.74M 127583.20M
Common stock 130685.10M 130685.06M 130685.06M 130685.06M 130685.06M
Capital stock 130685.10M 130685.06M 130685.06M 130685.06M 130685.06M
Retained earnings 131409.10M 341890.04M 85656.06M 53641.86M 14980.31M
Other liab - - 24.17M 16.99M 14.58M
Other assets - -0.01M 2082330.85M 0.01M 1844394.37M
Cash 56802.90M 227.70M 2060.28M 1464.92M 2971.91M
Total current liabilities 128.90M 156.44M 131.61M 356708.04M 340904.27M
Current deferred revenue - -101809.76M - - -
Net debt 4064524.00M 4115711.44M 4187288.69M 3882934.78M 3228134.88M
Short term debt - 126521.61M 239812.49M 164399.30M 213321.07M
Short long term debt 176622.70M 126490.39M 239774.80M 164277.25M 213321.07M
Short long term debt total 4121326.90M 4120385.14M 4189348.97M 3884399.70M 3231106.79M
Other stockholder equity 395992.60M 19008.74M 238362.05M 225636.48M 213468.45M
Property plant equipment - - - 363.11M 453.16M
Total current assets 2963937.90M 331350.08M 2509898.14M 344378.04M 223692.20M
Net tangible assets - - - 409946.89M 359133.41M
Short term investments 4628.70M 5774.38M 3356.31M 7455.65M 3830.53M
Net receivables 2846888.30M 371989.20M 2814698.78M 2260350.00M 1835905.07M
Long term debt 4121294.00M 1869378.73M 4189292.58M 3884166.18M 3231106.79M
Accounts payable 108123.60M 101809.76M 0.00M 0.00M 3601.28M
Accumulated other comprehensive income 395992.60M 201.83M - - -
Non currrent assets other 1924196.00M 2461119.92M 143561.74M 35.34M 34.01M
Non current assets total 1924408.90M 4519474.19M 2401569.34M 4155424.20M 3556824.98M
Capital lease obligations 32.90M 64.13M 56.39M 233.52M -
Breakdown 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Type yearly yearly yearly yearly yearly
Date 2025-03-31 2024-03-31 2023-03-31 2022-03-31 2021-03-31
Investments -1.00M -75.44M 0.91M 9.18M 10.05M
Change to liabilities - - 0.00M 0.00M 0.00M
Total cashflows from investing activities -1.00M -75.40M 0.91M -47.19M 4.23M
Net borrowings - - - 652725.77M 890060.12M
Total cash from financing activities -25719.50M -80464.22M 286432.79M 642663.02M 902020.35M
Change to operating activities - - - -709255.82M -937529.69M
Net income 65020.00M 64121.04M 63370.13M 60901.55M 44161.31M
Change in cash 56575.20M -1398.70M 595.36M -1506.99M 2958.11M
Begin period cash flow 227.70M 1626.38M 1464.92M 2971.91M 13.80M
End period cash flow 56802.90M 227.70M 2060.28M 1464.92M 2971.91M
Total cash from operating activities 82295.70M 79140.98M -285838.34M -644122.82M -899066.47M
Issuance of capital stock - 0.00M 0.00M 30889.20M 30889.20M
Depreciation 53.10M 94.42M 140.62M 140.25M 44.32M
Other cashflows from investing activities 7.20M 7.87M 5.74M 9.96M 2.51M
Dividends paid -30057.60M -19602.76M 18687.96M 10062.75M 18721.93M
Change to inventory - - 7129.32M 1498.59M -6087.94M
Change to account receivables -252253.10M -153451.10M -434545.07M -351235.08M -169891.91M
Sale purchase of stock - - - - -20719.83M
Other cashflows from financing activities 138.90M -627.80M 305120.75M 682020.53M 920742.28M
Change to netincome - - 3689.43M 3769.90M -6247.96M
Capital expenditures 8.20M 83.27M 7.75M 66.33M 8.65M
Change in working capital 16534.50M 13409.06M -353038.52M -709255.82M -937529.69M
Stock based compensation - - - - -207.04M
Other non cash items 688.10M 1516.46M 3689.43M 4091.20M -2704.74M
Free cash flow 82287.50M 79057.70M -285846.09M -644189.15M -899075.12M

Peer Comparison*

Sector: Financial Services Industry: Credit Services

Stock Name
Change
(INR)
Price
(INR)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
Enterprise Value
to EBITDA (x)
IRFC
Indian Railway Finance Corporation Limited
2.11
2.71%
79.95 23.86 - 23.26 2.96 20.79 37.36
BAJFINANCE
Bajaj Finance Limited
75.90
7.64%
1069.90 33.00 39.37 14.86 5.83 20.06 20.10
SHRIRAMFIN
Shriram Finance Limited
55.15
6.07%
963.90 18.81 7.62 9.77 3.09 15.18 -
MUTHOOTFIN
Muthoot Finance Limited
129.80
4.79%
2839.60 21.11 14.01 10.41 4.84 17.95 -
CHOLAFIN
Cholamandalam Investment and Finance Company Limited
102.00
6.15%
1760.00 31.88 21.28 12.48 5.81 22.46 -

Profile*

Indian Railway Finance Corporation Limited

Indian Railway Finance Corporation Limited engages in leasing of rolling stock and railway infrastructure assets in India. The company also engages in lending business; and borrowing funds from commercial markets, financial markets to finance the acquisition/creation of assets that are leased out to the Indian Railways. Indian Railway Finance Corporation Limited was incorporated in 1986 and is based in New Delhi, India.

East Tower, NBCC Place, New Delhi, India, 110003

91 11 2436 1480

45

Name Title Year Born
Ms. Shelly Verma Director of Fin., CFO, MD & Chairman 1965
Mr. Vijay Babulal Shirode Joint GM of Law, Company Sec. & Compliance Officer 1980
Mr. Sanjeev Jain Chief Vigilance Officer NA
Mr. - Swachhand Deputy GM of Fin. & Chief Risk Officer NA
Mr. Manoj Kumar Dubey MD, CEO & Chairman 1970
Mr. Vijay Babulal Shirode Joint GM of Law & Company Secretary 1980
Mr. Randhir Sahay CFO & Director 1973
Shwet Ketu Mishra Chief General Manager of Technology NA
Mr. Sanjay Jain Chief Compliance Officer NA
Mr. Manish Chandra Executive Director of HR NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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