Indian Railway Finance Corporation Ltd
IRFC
Finance
₹ 126.23
Price
₹ 165,003
Market Cap
Large Cap
24.73
P/E Ratio
📊 Score Snapshot
4.42 / 25
Performance
25 / 25
Valuation
5.0 / 20
Growth
7.0 / 30
Profitability
41.42 / 100
Risky
🏢 Company Overview
⏳ Loading company overview...
🤖 CARL Insights
⏳ Loading CARL insights...
📈 Net Profit (Yearly)
📊 Sales (Yearly)
📉 Quarterly Sales Trend
📉 Quarterly Net Profit
📈 Yearly Ratios
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Adj Cash EPS | 6.25 | 5.94 | -22.17 | -49.61 | -68.38 | - | - | - |
| Adj Cash PAT | 8,155 | 7,753 | -28,970 | -64,836 | -89,337 | -62,101 | -41,918 | -28,216 |
| Adj Cash PAT To PAT | 1.25 | 1.21 | -4.70 | -10.65 | -20.23 | -19.46 | -18.59 | -13.73 |
| Adj Cash PE | 19.91 | 24.90 | - | - | - | - | - | - |
| Adj EPS | 4.98 | 4.91 | 4.72 | 4.66 | 3.38 | - | - | - |
| Adj Number Of Shares | 1,306 | 1,306 | 1,307 | 1,307 | 1,307 | - | - | - |
| Adj PE | 24.98 | 30.11 | 5.64 | 4.61 | 6.76 | - | - | - |
| Adj Peg | 17.52 | 7.48 | 4.38 | 0.12 | - | - | - | - |
| Bvps | 40.34 | 37.66 | 34.20 | 31.37 | 27.49 | - | - | - |
| Cash Conversion Cycle | - | 3,557 | 3,744 | 3,609 | 3,832 | - | - | - |
| Cash Revenue | 2,155 | 10,311 | -19,733 | -14,825 | -1,218 | -10,132 | -4,421 | -1,998 |
| Cash Revenue To Revenue | 0.08 | 0.39 | -0.83 | -0.73 | -0.08 | -0.75 | -0.40 | -0.22 |
| Dso | - | 3,557 | 3,744 | 3,609 | 3,832 | - | - | - |
| Dividend Yield | 0.64 | 1.03 | 5.68 | 6.50 | 4.59 | - | - | - |
| Fcfe | 8,587 | 1,668 | 1,569 | 456.37 | -323.86 | -1,646 | -4,435 | 5,111 |
| Fcfe Margin | 398.48 | 16.17 | -7.95 | -3.08 | 26.59 | 16.25 | 100.33 | -255.80 |
| Fcfe To Adj PAT | 1.32 | 0.26 | 0.25 | 0.07 | -0.07 | -0.52 | -1.97 | 2.49 |
| Market Cap | 162,393 | 193,079 | 34,755 | 28,098 | 29,854 | - | - | - |
| PB | 3.08 | 3.93 | 0.78 | 0.69 | 0.83 | - | - | - |
| PE | 24.98 | 30.11 | 5.64 | 4.61 | 6.76 | - | - | - |
| Peg | 17.52 | 7.48 | 4.38 | 0.12 | - | - | - | - |
| PS | 5.98 | 7.25 | 1.47 | 1.38 | 1.89 | - | - | - |
| ROE | 12.77 | 13.66 | 14.40 | 15.84 | 13.34 | 11.54 | 11.58 | 15.85 |
| Share Price | 124.38 | 147.85 | 26.60 | 21.50 | 22.85 | - | - | - |
📊 Quarterly Results
| Metric | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 | Mar 2023 | Dec 2022 | Sep 2022 | Jun 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 6,372 | 6,915 | 6,723 | 6,764 | 6,900 | 6,766 | 6,475 | 6,737 | 6,761 | 6,679 | 6,194 | 6,218 | 5,810 | 5,627 |
| Interest | 4,544 | 5,124 | 4,996 | 5,095 | 5,249 | 5,155 | 4,725 | 5,104 | 5,181 | 5,091 | 4,895 | 4,554 | 4,059 | 3,940 |
| Expenses - | 49.00 | 47.00 | 44.00 | 39.00 | 38.00 | 33.00 | 34.00 | 35.00 | 34.00 | 29.00 | 47.00 | 31.00 | 34.00 | 23.00 |
| Other Income - | 0.02 | 2.86 | 0.57 | 2.70 | 0.54 | 0.35 | 2.97 | 3.42 | 0.85 | 1.86 | 36.25 | 3.92 | 0.59 | 0.03 |
| Depreciation | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 2.00 | 2.00 | 1.00 | 2.00 | 4.00 | 3.00 | 4.00 | 4.00 | 4.00 |
| Profit Before Tax | 1,777 | 1,746 | 1,682 | 1,631 | 1,613 | 1,577 | 1,717 | 1,599 | 1,545 | 1,557 | 1,285 | 1,633 | 1,714 | 1,662 |
| Tax % | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Net Profit - | 1,777 | 1,746 | 1,682 | 1,631 | 1,613 | 1,577 | 1,717 | 1,599 | 1,545 | 1,557 | 1,285 | 1,633 | 1,714 | 1,662 |
| Profit Excl Exceptional | 1,777 | 1,746 | 1,682 | 1,631 | 1,613 | 1,577 | 1,717 | 1,599 | 1,545 | 1,557 | 1,285 | 1,633 | 1,714 | 1,662 |
| Profit For PE | 1,777 | 1,746 | 1,682 | 1,631 | 1,613 | 1,577 | 1,717 | 1,599 | 1,545 | 1,557 | 1,285 | 1,633 | 1,714 | 1,662 |
| Profit For EPS | 1,777 | 1,746 | 1,682 | 1,631 | 1,613 | 1,577 | 1,717 | 1,599 | 1,545 | 1,557 | 1,285 | 1,633 | 1,714 | 1,662 |
| EPS In Rs | 1.36 | 1.34 | 1.29 | 1.25 | 1.23 | 1.21 | 1.31 | 1.22 | 1.18 | 1.19 | 0.98 | 1.25 | 1.31 | 1.27 |
| PAT Margin % | 27.89 | 25.25 | 25.02 | 24.11 | 23.38 | 23.31 | 26.52 | 23.73 | 22.85 | 23.31 | 20.75 | 26.26 | 29.50 | 29.54 |
| PBT Margin | 27.89 | 25.25 | 25.02 | 24.11 | 23.38 | 23.31 | 26.52 | 23.73 | 22.85 | 23.31 | 20.75 | 26.26 | 29.50 | 29.54 |
| Tax | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Yoy Profit Growth % | 10.00 | 11.00 | -2.00 | 2.00 | 4.00 | 1.00 | 34.00 | -2.00 | -10.00 | -6.00 | -14.00 | 2.00 | 14.00 | 11.00 |
| Adj PAT | 1,777 | 1,746 | 1,682 | 1,631 | 1,613 | 1,577 | 1,717 | 1,599 | 1,545 | 1,557 | 1,285 | 1,633 | 1,714 | 1,662 |
| Adj PAT Margin | 27.89 | 25.25 | 25.02 | 24.11 | 23.38 | 23.31 | 26.52 | 23.73 | 22.85 | 23.31 | 20.75 | 26.26 | 29.50 | 29.54 |
💰 Profit & Loss
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | Mar 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 27,153 | 26,645 | 23,722 | 20,299 | 15,771 | 13,421 | 11,134 | 9,267 | 9,047 | 7,507 | 6,939 | 6,197 |
| Interest | 20,495 | 20,101 | 17,447 | 14,075 | 11,237 | 10,163 | 8,183 | 6,638 | 6,888 | 5,519 | 4,992 | 4,607 |
| Expenses - | 154.00 | 133.00 | 134.00 | 123.00 | 113.00 | 66.00 | 48.00 | 38.00 | 26.00 | 38.00 | 34.00 | 19.00 |
| Other Income - | 3.55 | 10.45 | 40.68 | 2.22 | 0.35 | 0.07 | - | 1.24 | 0.28 | 0.62 | 0.98 | 0.88 |
| Exceptional Items | - | -0.04 | -0.02 | - | -0.02 | -0.01 | -0.02 | -0.01 | -0.02 | -0.01 | -0.01 | -0.01 |
| Depreciation | 5.00 | 9.00 | 14.00 | 14.00 | 4.00 | - | - | - | - | - | - | - |
| Profit Before Tax | 6,502 | 6,412 | 6,167 | 6,090 | 4,416 | 3,192 | 2,902 | 2,592 | 2,133 | 1,950 | 1,914 | 1,572 |
| Tax % | - | - | - | - | - | - | 22.29 | 20.72 | 56.21 | 56.46 | 60.40 | 55.41 |
| Net Profit - | 6,502 | 6,412 | 6,167 | 6,090 | 4,416 | 3,192 | 2,255 | 2,055 | 934.00 | 849.00 | 758.00 | 701.00 |
| Profit Excl Exceptional | 6,502 | 6,412 | 6,167 | 6,090 | 4,416 | 3,192 | 2,255 | 2,055 | 934.00 | 849.00 | 758.00 | 701.00 |
| Profit For PE | 6,502 | 6,412 | 6,167 | 6,090 | 4,416 | 3,192 | 2,255 | 2,055 | 934.00 | 849.00 | 758.00 | 701.00 |
| Profit For EPS | 6,502 | 6,412 | 6,167 | 6,090 | 4,416 | 3,192 | 2,255 | 2,055 | 934.00 | 849.00 | 758.00 | 701.00 |
| EPS In Rs | 4.98 | 4.91 | 4.72 | 4.66 | 3.38 | - | - | - | - | - | - | - |
| Dividend Payout % | 16.00 | 31.00 | 32.00 | 30.00 | 31.00 | - | 18.00 | 18.00 | 40.00 | 40.00 | 20.00 | 6.00 |
| PAT Margin % | 23.95 | 24.06 | 26.00 | 30.00 | 28.00 | 23.78 | 20.25 | 22.18 | 10.32 | 11.31 | 10.92 | 11.31 |
| PBT Margin | 23.95 | 24.06 | 26.00 | 30.00 | 28.00 | 23.78 | 26.06 | 27.97 | 23.58 | 25.98 | 27.58 | 25.37 |
| Tax | - | - | - | - | - | - | 647.00 | 537.00 | 1,199 | 1,101 | 1,156 | 871.00 |
| Adj PAT | 6,502 | 6,412 | 6,167 | 6,090 | 4,416 | 3,192 | 2,255 | 2,055 | 933.99 | 849.00 | 758.00 | 701.00 |
| Adj PAT Margin | 23.95 | 24.06 | 26.00 | 30.00 | 28.00 | 23.78 | 20.25 | 22.18 | 10.32 | 11.31 | 10.92 | 11.31 |
🏦 Balance Sheet
| Metric | Sep 2025 | Mar 2025 | Sep 2024 | Mar 2024 | Sep 2023 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 |
|---|---|---|---|---|---|---|---|---|---|---|
| Accumulated Depreciation | - | - | - | 15.40 | - | 23.19 | 15.62 | 1.60 | 1.17 | 0.73 |
| Average Total Assets | 499,172 | 486,958 | 495,681 | 487,720 | - | 470,170 | 415,231 | 327,993 | 241,054 | 184,036 |
| Average Total Equity | 53,830 | 50,924 | 49,574 | 46,930 | - | 42,839 | 38,456 | 33,106 | 27,664 | 19,478 |
| Cwip | - | - | - | 4.00 | - | - | - | - | - | - |
| Cash Equivalents | 19,346 | 6,143 | 12,367 | 467.00 | 10,794 | 542.00 | 303.00 | 459.00 | 101.00 | 81.00 |
| Fixed Assets | 20.00 | 21.00 | 23.00 | 22.00 | 26.00 | 19.00 | 38.00 | 45.00 | 11.00 | 11.00 |
| Gross Block | - | - | - | 37.44 | - | 42.38 | 53.59 | 46.96 | 12.22 | 12.00 |
| Investments | 42.00 | 38.00 | 56.00 | 54.00 | 35.00 | 14.00 | 10.00 | 12.00 | 12.00 | 13.00 |
| Lease Liabilities | 3.00 | 3.00 | - | - | 10.00 | - | - | - | - | - |
| Loans N Advances | 7,955 | 5,172 | 4,474 | 342.00 | - | 363.00 | 633.00 | 930.00 | 630.00 | -3.00 |
| Long Term Borrowings | 407,614 | 412,129 | 403,111 | - | 406,433 | - | - | - | - | 170,947 |
| Net Debt | 388,228 | 405,952 | 390,688 | 411,518 | 395,614 | 418,379 | 388,127 | 322,674 | 234,264 | 173,839 |
| Other Asset Items | 476,634 | 477,460 | 477,428 | 224,503 | 486,159 | 246,064 | 248,303 | 213,466 | 274,751 | 206,501 |
| Other Borrowings | - | - | - | 412,039 | - | 418,935 | 388,440 | 323,145 | 234,377 | - |
| Other Liability Items | 40,186 | 24,034 | 39,773 | 23,865 | 42,876 | 26,744 | 20,544 | 21,423 | 10,828 | 7,630 |
| Reserves | 43,125 | 39,599 | 38,396 | 36,110 | 34,615 | 31,612 | 27,928 | 22,845 | 18,419 | 15,648 |
| Share Capital | 13,069 | 13,069 | 13,069 | 13,069 | 13,069 | 13,069 | 13,069 | 13,069 | 11,880 | 9,380 |
| Short Term Borrowings | - | - | - | - | - | - | - | - | - | 2,986 |
| Short Term Loans And Advances | - | - | - | 2.00 | - | 1.00 | 1.00 | - | - | - |
| Total Assets | 503,996 | 488,835 | 494,348 | 485,082 | 497,014 | 490,359 | 449,980 | 380,482 | 275,504 | 206,604 |
| Total Borrowings | 407,616 | 412,133 | 403,111 | 412,039 | 406,443 | 418,935 | 388,440 | 323,145 | 234,377 | 173,933 |
| Total Equity | 56,194 | 52,668 | 51,465 | 49,179 | 47,684 | 44,681 | 40,997 | 35,914 | 30,299 | 25,028 |
| Total Equity And Liabilities | 503,996 | 488,835 | 494,348 | 485,082 | 497,014 | 490,359 | 449,980 | 380,482 | 275,504 | 206,604 |
| Total Liabilities | 447,802 | 436,167 | 442,883 | 435,903 | 449,330 | 445,678 | 408,983 | 344,568 | 245,205 | 181,576 |
| Trade Payables | - | - | - | - | 12.00 | - | - | - | - | 12.00 |
| Trade Receivables | - | - | - | 259,691 | - | 243,357 | 200,692 | 165,569 | - | - |
💵 Cash Flows
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Cash From Financing Activity | -2,572 | -8,046 | 28,644 | 64,266 | 90,202 | 62,697 | 41,749 | 28,075 |
| Cash From Investing Activity | - | -8.00 | - | -5.00 | - | 1.00 | 1.00 | 2.00 |
| Cash From Operating Activity | 8,230 | 7,914 | -28,588 | -64,412 | -89,907 | -62,701 | -41,748 | -28,076 |
| Cash Paid For Loan Advances | -227.00 | 989.00 | 892.00 | 145.00 | -546.00 | -528.00 | -658.00 | -14,787 |
| Cash Paid For Purchase Of Fixed Assets | -0.82 | -8.33 | -0.78 | -6.63 | -0.87 | -0.24 | -0.42 | -0.15 |
| Cash Paid For Redemption Of Debentures | - | - | - | - | - | - | - | - |
| Cash Paid For Repayment Of Borrowings | -23,312 | -15,086 | - | -2,929 | -1,017 | - | - | - |
| Cash Received From Borrowings | - | - | 8,620 | 49,731 | 65,778 | 29,642 | 27,017 | 12,585 |
| Cash Received From Issue Of Debentures | 23,740 | 9,000 | 21,906 | 18,483 | 24,249 | 30,813 | 10,466 | 20,742 |
| Cash Received From Issue Of Shares | 9.00 | 6.00 | 1.00 | - | 3,089 | 2,500 | 2,854 | - |
| Cash Received From Sale Of Fixed Assets | - | 0.01 | 0.02 | - | 0.03 | 0.01 | 0.01 | 0.01 |
| Cash Received From Sale Of Investments | - | - | 0.29 | 0.92 | 1.01 | 1.12 | 1.21 | 1.33 |
| Change In Other Working Capital Items | 26,882 | 16,683 | 7,437 | -35,921 | -76,230 | -41,237 | -27,964 | -4,223 |
| Change In Payables | -3.00 | 3.00 | -11.00 | -26.00 | 13.00 | 26.00 | 3.00 | 5.00 |
| Change In Receivables | -24,998 | -16,334 | -43,455 | -35,124 | -16,989 | -23,553 | -15,555 | -11,265 |
| Change In Working Capital | 1,653 | 1,341 | -35,137 | -70,926 | -93,753 | -65,293 | -44,173 | -30,271 |
| Direct Taxes Paid | -46.00 | - | - | - | -304.00 | -589.00 | -619.00 | -553.00 |
| Dividends Paid | -3,006 | -1,960 | -1,869 | -1,006 | -1,872 | -200.00 | -375.00 | -234.00 |
| Dividends Received | 0.72 | 0.78 | 0.56 | 1.00 | 0.25 | 0.59 | 0.51 | 0.49 |
| Net Cash Flow | 5,658 | -140.00 | 56.00 | -151.00 | 296.00 | -2.00 | 3.00 | - |
| Other Cash Financing Items Paid | -4.00 | -7.00 | -13.00 | -13.00 | -25.00 | -58.00 | 1,788 | -5,019 |
| Other Cash Investing Items Paid | - | - | - | - | - | - | - | - |
| Other Cash Operating Items Paid | - | 24.00 | 269.00 | 296.00 | - | - | - | - |
| Profit From Operations | 6,622 | 6,549 | 6,280 | 6,218 | 4,150 | 3,182 | 3,044 | 2,748 |
🧾 Shareholding Pattern
| Nse Code | Date | Promoters | Fii | Dii | Public | Others |
|---|---|---|---|---|---|---|
| Irfc | 2025-06-30 | - | 0.93 | 1.45 | 11.24 | 0.00 |
| Irfc | 2025-03-31 | - | 0.98 | 1.34 | 11.32 | 0.00 |
| Irfc | 2024-12-31 | - | 1.01 | 1.24 | 11.40 | 0.00 |
| Irfc | 2024-09-30 | - | 1.09 | 1.08 | 11.48 | 0.00 |
💬
Stock Chat