NSE · IRFC
Indian Railway Finance Corporation Ltd.
Revenue & net profit by period
Bars = revenue (₹ Cr) · line = net profit (₹ Cr). Straight from disclosed results.
Latest period: revenue ₹27,338 Cr with net profit ₹7,009 Cr — a 25.64% net margin, versus 23.94% the period before.
Shareholding
As of 2026-09-30
- Promoter82.9%
- Public11.98%
- FII1.15%
- DII3.97%
50,13,659 shareholders on record
Promoter holding trend
Each disclosed period, oldest to newest
52-week position
Where the current price sits in its yearly band
The band spans 1.88× from low to high.
Risk flags
Derived from disclosed data
No flags raised by the data.
Peer comparison
Credit Services · ranked #2 of 11 by market cap · medians across 10 industry peers
| Company | Mkt cap | P/E | P/B | ROE | Margin |
|---|---|---|---|---|---|
| Cholamandalam Investment & Finance Company Ltd. | ₹1,58,662 Cr | 25.5 | 4.58 | 18.02% | 18.06% |
| Indian Railway Finance Corporation Ltd.(this company) | ₹1,08,861 Cr | 14.77 | 1.8 | 12.17% | 24.49% |
| Five-Star Business Finance Ltd. | ₹13,067 Cr | 11.7 | 1.65 | 14.13% | 33.65% |
| Aye Finance Limited | ₹3,925 Cr | 13.54 | 1.46 | 10.75% | 14.86% |
| Muthoot Microfin Limited | ₹2,855 Cr | 8.77 | 0.94 | 10.66% | 12.36% |
| Laxmi India Finance Ltd. | ₹532 Cr | 9.42 | 1.14 | 12.55% | 17.22% |
| Muthoot Capital Services Ltd. | ₹334 Cr | 12.49 | 0.48 | 3.74% | 3.92% |
| Akme Fintrade (India) Ltd. | ₹313 Cr | 6.79 | 0.66 | 9.72% | 27.97% |
| Moneyboxx Finance Limited | ₹292 Cr | 149.5 | 1 | 0.65% | 0.84% |
| Baid Finserv Limited | ₹163 Cr | 10.26 | 0.65 | 6.41% | 17.45% |
AI analysis
AI-generated · google/gemini-2.5-flashIndian Railway Finance Corporation Ltd. (IRFC) has a market capitalization of Rs 115944 Cr. The company reported revenue of Rs 27156.41 Cr and a profit margin of 25.71%. Earnings per share (EPS) currently stand at Rs 5.36.
Positives
- +Revenue has consistently increased from Rs 15770.862 Cr in March 2021 to Rs 27156.41 Cr in March 2025.
- +Net profit has grown from Rs 4416.131 Cr in March 2021 to Rs 6502 Cr in March 2025.
- +The company has a high dividend yield of 118%, indicating significant returns to shareholders.
- +Promoter holding remains high at 82.8989% as of June 30, 2026, and no shares are pledged.
Negatives
- −The debt-to-equity ratio is high at 8.09.
- −No quarterly revenue figures are disclosed for recent periods, with the latest available data being net profit figures for March 2026.
- −Return on capital employed is relatively low at 5.46% compared to the debt-to-equity ratio.
Financial performance
Revenue has shown growth over recent years, increasing from Rs 15770.862 Cr in March 2021 to Rs 27156.41 Cr in March 2025. Net profit also rose from Rs 4416.131 Cr in March 2021 to Rs 6502 Cr in March 2025. However, no quarterly revenue figures are available for the recent quarters.
Profitability & Returns
The company's profit margin stands at 25.71%. Return on equity (ROE) is 12.35% and return on capital employed (ROCE) is 5.46%. Earnings per share (EPS) has gradually increased from Rs 3.66 in March 2021 to Rs 4.98 in March 2025 based on annual figures, with current EPS at Rs 5.36.
Balance Sheet
Indian Railway Finance Corporation Ltd. has a book value of Rs 43.42. The debt-to-equity ratio is 8.09, which is relatively high. No further balance sheet details are available in the provided data.
Ownership & Pledges
As of June 30, 2026, promoter holding is 82.8989%. Public shareholding is 11.9507%. There are no promoter pledges reported, standing at 0%.
Data as of — price: 2026-11-14 · financials: Mar 26 · shareholding: Sep 26. Figures are restated only when the company files again, so a period shown here is the most recent one on record — not necessarily the current quarter.
How this is produced: every figure above is computed from exchange filings and financial data mirrored by IPO Plus — no figure is generated or estimated. This is a factual summary for information and education only. It is not investment advice, not a recommendation to buy, sell or hold any security, and contains no price targets. Verify against the company's filings and the exchanges before any decision.
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