Indian Railway Finance Corporation Limited

IRFC · NSE

— · —

₹89.15

Closing price — 31 Jul 2026

Market cap ₹1,16,506 Cr · EPS ₹5.37

Valuation

Blended fair value using DCF and peer comparison methods.

Intrinsic Value

₹73

-18.0% vs ₹89

Overvalued

UndervaluedFair valueOvervalued

DCF

—

Peer methods

₹73

Intrinsic value

₹73

DCF discounts future cash flows to present value. Peer methods compare against sector multiples. Averaging both reduces the limitations of each method alone.

DCF not applicable for financial companies. Intrinsic value based on peer P/B comparison.

The intrinsic value shown is an algorithmic estimate based on publicly available financial data — including DCF analysis, peer comparison, and historical financials. It is not a research report, investment advice, or a recommendation to buy, sell, or hold any security. Stock valuations involve uncertainty and may differ significantly from market prices. Please consult a SEBI-registered investment adviser before making any investment decision.

Peer comparison

How this company stacks up against sector peers on valuation and quality metrics.

Infrastructure finance · 3 peers · sector medians shown

Better than medianWorse than median

Company	Mkt Cap	P/E	P/B	EV/EBITDA	ROE	Net Margin	Rev CAGR 3y
Indian Railway Finance Corporation Limited IRFC · you	₹1.2 L Cr	16.6×	2.1×	19.4×	12.3%	25.7%	4.8%
Sector median	—	5.7×	1.1×	27.6×	19.2%	23.1%	14.7%
Power Finance Corporation PFC	₹1.4 L Cr	5.5×	1.1×	10.0×	19.5%	22.4%	14.1%
REC RECLTD	₹92,716 Cr	5.7×	1.1×	27.6×	19.2%	27.4%	14.7%
Housing & Urban Development Corporation HUDCO	₹69,975 Cr	27.4×	3.1×	53.0×	11.4%	23.1%	25.0%

Peer comparison verdict

Indian trades at a premium to sector peers on P/E (16.6× vs median 5.7×). The market is pricing in higher growth — worth verifying whether recent revenue trends support that expectation.

Business quality

Valuation

P/E ratio

16.6×

P/B ratio

—

EV/EBITDA

—

Price/Sales

—

Returns

ROE

12.3%

ROCE

—

ROA

—

Growth

Revenue CAGR (3yr)

—

EPS CAGR (3yr)

—

Efficiency

Asset turnover

—

FCF yield

-23.2%

Dividend yield

—

Liquidity & Solvency

Debt / Equity

7.69×

Debt / EBITDA

—

Interest coverage

1.3×

Current ratio

—

Quick ratio

—

Financial health

Piotroski F-Score, Altman Z-Score, and key solvency ratios.

Is the business financially healthy?

Two structured frameworks that go beyond a single number to assess financial strength.

Altman Z-Score

Predicts likelihood of financial distress. Above 2.99 = safe zone; 1.81–2.99 = grey zone; below 1.81 = distress.

0.39

Distress zone

0 (distress)2.99 (safe)5+

Piotroski F-Score requires two years of audited financial data.
It will appear once data loads.

Calculated from annual report data sourced via BSE/NSE filings. For precise figures refer to BSE/NSE filings.

Full financial data

Charts and annual statements for income, balance sheet and cash flow.

Income trend

Revenue, profit and margin trends over time.

Income statement data is unavailable for this company.

Cash flow

Where cash comes from and where it goes.

Balance sheet

Assets show what the company owns. Liabilities show what it owes. Equity is what's left for shareholders.

Balance sheet data is loading… if this persists, financial data may be temporarily unavailable.

Numbers are illustrative — order-of-magnitude correct. For precise figures, refer to the company's annual report on BSE/NSE.

Shareholding pattern

Who owns this company and how that has changed.