Indian Railway Finance Corporation Ltd.
NSE: IRFC · Financial Institution
Snapshot
Unlock Indian Railway Finance Corporation Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Indian Railway Finance Corporation Limited is a dedicated financing arm of the Indian Railways, operating as a non-deposit taking non-banking financial company. It primarily focuses on borrowing funds from financial markets to finance the acquisition and creation of railway assets, which are then leased to the Indian Railways.
Business Model
The company generates revenue through finance lease arrangements with the Ministry of Railways, acting as a specialized infrastructure finance entity. It leverages its status as a government-owned enterprise to borrow funds at competitive rates and deploy them for railway infrastructure development.
Growth Outlook
Growth is primarily driven by the sustained capital expenditure requirements of the Indian Railways for network expansion and asset modernisation. The company remains central to the government's long-term strategy for enhancing national rail infrastructure.
Key Risks
- Concentration Risk. The company's business model is almost entirely dependent on the Indian Railways, creating significant exposure to a single counterparty.
- Interest Rate Risk. Fluctuations in market interest rates can impact the cost of borrowing and the net interest margins of the company.
- Policy Risk. Changes in government budgetary allocations or railway infrastructure policies could directly affect the demand for the company's financing services.
Start your research today
Unlock AI insights, financials, peers and live data on Indian Railway Finance Corporation Ltd. and 5,000+ companies — free.
Key Metrics
REVENUE
₹28,630 Cr
TTM · standalone
NET PROFIT
₹7,191 Cr
TTM · standalone
EPS
₹5.50
TTM · standalone
RETURN ON EQUITY
13.1%
TTM · standalone
P/E
15.2x
Q1 FY27 · standalone
NET PROFIT MARGIN
23.3%
Q1 FY27 · standalone
DEBT TO EQUITY
7.4%
Q1 FY27 · standalone
Peers · Financial Institution
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Indian Railway Finance Corporation Ltd.IRFC | ₹1.09L Cr | 15.16 | — | 4.9% | — | 13.1% | — | -31.4% |
Power Finance Corporation Ltd.PFC | ₹1.17L Cr | 4.51 | — | 4.6% | — | 26.8% | — | -8.8% |
REC Ltd.RECLTD | ₹83,921 Cr | 5.24 | — | 2.0% | — | 19.6% | — | -12.5% |
Housing & Urban Development Corporation Ltd.HUDCO | ₹36,138 Cr | 8.49 | — | 25.9% | — | 21.3% | — | -15.7% |
Indian Renewable Energy Development Agency Ltd.IREDA | ₹31,924 Cr | 16.89 | — | — | — | 15.6% | — | -21.1% |
IFCI Ltd.IFCI | ₹27,315 Cr | 158.41 | — | 4.8% | — | 4.9% | — | +94.4% |
As of Q1 FY27
Financials
Indian Railway Finance Corporation Ltd.
NSE: IRFC · Financial Institution
Snapshot
Unlock Indian Railway Finance Corporation Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Indian Railway Finance Corporation Limited is a dedicated financing arm of the Indian Railways, operating as a non-deposit taking non-banking financial company. It primarily focuses on borrowing funds from financial markets to finance the acquisition and creation of railway assets, which are then leased to the Indian Railways.
Business Model
The company generates revenue through finance lease arrangements with the Ministry of Railways, acting as a specialized infrastructure finance entity. It leverages its status as a government-owned enterprise to borrow funds at competitive rates and deploy them for railway infrastructure development.
Growth Outlook
Growth is primarily driven by the sustained capital expenditure requirements of the Indian Railways for network expansion and asset modernisation. The company remains central to the government's long-term strategy for enhancing national rail infrastructure.
Key Risks
- Concentration Risk. The company's business model is almost entirely dependent on the Indian Railways, creating significant exposure to a single counterparty.
- Interest Rate Risk. Fluctuations in market interest rates can impact the cost of borrowing and the net interest margins of the company.
- Policy Risk. Changes in government budgetary allocations or railway infrastructure policies could directly affect the demand for the company's financing services.
Start your research today
Unlock AI insights, financials, peers and live data on Indian Railway Finance Corporation Ltd. and 5,000+ companies — free.
Key Metrics
REVENUE
₹28,630 Cr
TTM · standalone
NET PROFIT
₹7,191 Cr
TTM · standalone
EPS
₹5.50
TTM · standalone
RETURN ON EQUITY
13.1%
TTM · standalone
P/E
15.2x
Q1 FY27 · standalone
NET PROFIT MARGIN
23.3%
Q1 FY27 · standalone
DEBT TO EQUITY
7.4%
Q1 FY27 · standalone
Peers · Financial Institution
As of Q1 FY27