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- Indian Railway Finance Corporation
Indian Railway Finance Corporation share price
NSE: IRFCFinancialsCredit Services
Indian Railway Finance Corporation at a glance
Indian Railway Finance Corporation (NSE: IRFC) closed at ₹77.31 on 22 Oct 2026, up 0.53% on the day. With a market capitalisation of ₹1,01,033 Cr, it ranks 103rd by market cap among the 4,183 NSE companies Pivot tracks (a mid-cap company by SEBI's rank bands). It belongs to the Financials sector; its industry is Credit Services.
At its last close the stock traded at 14.4× trailing earnings, against a return on equity of 12.3% in FY25. Over the past year the share price has fallen 37.8%. Its 52-week range is ₹74.06 (9 Oct 2026) to ₹137.17 (29 Dec 2025); the last close is 43.6% below the high. In Q1 FY27, the quarter ended 30 Jun 2026, revenue was ₹8,242 Cr (+19.4% year on year) and net profit ₹1,927 Cr (+10.4%), on a standalone basis. Promoters held 82.90% of the company as of 30 Jun 2026.
Key numbers
- Market cap
- ₹1,01,033 CrRank 103 on NSE
- P/E (trailing)
- 14.4×
- Price to book
- 3.09×FY25
- EPS (TTM)
- ₹5.50to Q1 FY27
- ROE
- 12.3%FY25
- ROCE
- 50.0%FY25
- Net profit margin
- 23.9%FY25
- Book value / share
- ₹40.30FY25
- Dividend payout
- 46.2%FY25
- 52-week high
- ₹137.1729 Dec 2025
- 52-week low
- ₹74.069 Oct 2026
- 1-year return
- −37.8%
- RSI (14-day)
- 43.8
Returns to 22 Oct 2026
| Period | 1 day | 1 week | 1 month | 3 months | 1 year |
|---|---|---|---|---|---|
| Price change | +0.53% | −3.1% | −3.6% | −11.3% | −37.8% |
Indian Railway Finance Corporation quarterly results
| Quarter | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 |
|---|---|---|---|---|---|---|---|---|
| Revenue | ₹6,900 Cr | ₹6,763 Cr | ₹6,723 Cr | ₹6,901 Cr | ₹6,372 Cr | ₹6,657 Cr | ₹7,336 Cr | ₹8,242 Cr |
| Revenue YoY | +2.0% | +0.3% | +3.9% | +2.0% | −7.6% | −1.6% | +9.1% | +19.4% |
| Net profit | ₹1,613 Cr | ₹1,631 Cr | ₹1,682 Cr | ₹1,746 Cr | ₹1,777 Cr | ₹1,802 Cr | ₹1,684 Cr | ₹1,927 Cr |
| Net profit YoY | +4.1% | +1.6% | −2.1% | +10.7% | +10.2% | +10.5% | +0.1% | +10.4% |
| Net margin | 23.4% | 24.1% | 25.0% | 25.3% | 27.9% | 27.1% | 23.0% | 23.4% |
| EPS | ₹1.23 | ₹1.25 | ₹1.29 | ₹1.34 | ₹1.36 | ₹1.38 | ₹1.29 | ₹1.47 |
Indian Railway Finance Corporation financials
| Item | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|---|
| Revenue | ₹13,838 Cr | ₹15,770 Cr | ₹20,299 Cr | ₹23,892 Cr | ₹26,645 Cr | ₹27,153 Cr |
| Operating profit | ₹3,692 Cr | ₹4,416 Cr | ₹6,090 Cr | ₹6,337 Cr | ₹6,412 Cr | ₹6,502 Cr |
| Net profit | ₹3,692 Cr | ₹4,416 Cr | ₹6,090 Cr | ₹6,337 Cr | ₹6,412 Cr | ₹6,502 Cr |
| EPS (₹) | ₹3.93 | ₹3.66 | ₹4.66 | ₹4.85 | ₹4.91 | ₹4.98 |
| Cash from operations | −₹62,718 Cr | −₹89,907 Cr | −₹64,412 Cr | −₹28,584 Cr | ₹7,914 Cr | ₹8,230 Cr |
| Total debt | ₹1,55,290 Cr | ₹1,78,575 Cr | ₹0 Cr | ₹2,16,094 Cr | ₹0 Cr | ₹0 Cr |
| Shareholders' equity | ₹30,962 Cr | ₹35,913 Cr | ₹40,996 Cr | ₹45,470 Cr | ₹49,179 Cr | ₹52,668 Cr |
Indian Railway Finance Corporation shareholding pattern
| Holder | 31 Mar 2025 | 30 Jun 2025 | 30 Sep 2025 | 31 Dec 2025 | 31 Mar 2026 | 30 Jun 2026 |
|---|---|---|---|---|---|---|
| Promoters | 86.36% | 86.36% | 86.36% | 86.36% | 84.65% | 82.90% |
| Foreign institutions | 0.98% | 0.93% | 0.97% | 0.98% | 1.17% | 1.18% |
| Domestic institutions | 1.34% | 1.46% | 1.49% | 1.55% | 2.89% | 3.97% |
| Non-institutions | 11.32% | 11.24% | 11.18% | 11.11% | 11.29% | 11.95% |
Indian Railway Finance Corporation vs peers
The listed Financials companies nearest to Indian Railway Finance Corporation by market capitalisation.
| Company | Price | 1 day | 1 year | Market cap | P/E | ROE |
|---|---|---|---|---|---|---|
| GROWWBillionbrains Garage Ventures | ₹188.39 | −0.85% | — | ₹1,18,188 Cr | 55.6 | — |
| HDFCHDFC | — | — | — | ₹1,16,550 Cr | — | — |
| HDFCLIFEHDFC Life Insurance Company | ₹533.55 | −0.21% | −28.2% | ₹1,15,912 Cr | 60.3 | — |
| PFCPower Finance Corporation | ₹325.00 | −0.75% | −18.0% | ₹1,07,253 Cr | 4.1 | — |
| IRFCIndian Railway Finance Corporation | ₹77.31 | +0.53% | −37.8% | ₹1,01,033 Cr | 14.4 | — |
| MUTHOOTFINMuthoot Finance | ₹2,468.90 | −0.82% | −23.2% | ₹99,119 Cr | 9.4 | — |
| HDFCAMCHDFC Asset Management Company | ₹2,299.40 | −0.16% | −16.1% | ₹98,565 Cr | 34.6 | — |
Ask anything about Indian Railway Finance Corporation
Pivot answers on the live chart with evidence you can check, and tests strategies against IRFC's own history. Try: “Why has IRFC moved over the last three months?” · “Backtest a 50-day moving-average crossover on IRFC over five years” · “Compare IRFC with GROWW on margins and valuation”
Frequently asked questions about Indian Railway Finance Corporation
What is the share price of Indian Railway Finance Corporation today?
Indian Railway Finance Corporation (NSE: IRFC) last closed at ₹77.31 on 22 Oct 2026. Its 52-week high is ₹137.17 and its 52-week low is ₹74.06.
What is the market cap of Indian Railway Finance Corporation?
Indian Railway Finance Corporation's market capitalisation is ₹1,01,033 Cr (₹1.01 lakh Cr) at the 22 Oct 2026 close, ranking 103rd among the NSE companies Pivot tracks.
What is the P/E ratio of Indian Railway Finance Corporation?
Indian Railway Finance Corporation trades at a trailing P/E of 14.4. The median P/E of the 5 closest Financials peers by market cap is 34.6.
What is the ROE and ROCE of Indian Railway Finance Corporation?
Return on equity was 12.3% in FY25 and return on capital employed was 50.0% in FY25 (standalone figures).
What were Indian Railway Finance Corporation's latest quarterly results?
For Q1 FY27 (quarter ended 30 Jun 2026), Indian Railway Finance Corporation reported revenue of ₹8,242 Cr, +19.4% year on year, and net profit of ₹1,927 Cr, +10.4% year on year.
How has Indian Railway Finance Corporation stock performed over the last year?
Indian Railway Finance Corporation's share price has fallen 37.8% over the past year, −11.3% over three months and −3.6% over one month, to the 22 Oct 2026 close.
What is the shareholding pattern of Indian Railway Finance Corporation?
As of 30 Jun 2026: promoters 82.90%, foreign institutions 1.18%, domestic institutions 3.97%, non-institutions 11.95%.
Who are Indian Railway Finance Corporation's competitors?
The listed Financials companies closest to Indian Railway Finance Corporation by market cap are Billionbrains Garage Ventures, HDFC, HDFC Life Insurance Company, Power Finance Corporation, Muthoot Finance and HDFC Asset Management Company.
Is Indian Railway Finance Corporation a good stock to buy?
Pivot does not give buy or sell recommendations. This page sets out Indian Railway Finance Corporation's price history, valuation, profitability, quarterly results and ownership so you can judge it yourself, and Pivot's chart lets you test a strategy on IRFC against its own history before risking money. This is analysis, not financial advice.
Sources and method
Prices: NSE daily closes to 22 Oct 2026 (returns and ratios at the 22 Oct 2026 close). Fundamentals: company filings via Moneycontrol, standalone where available. Shareholding: exchange shareholding-pattern filings. The 52-week range uses intraday highs and lows; the chart marks closing prices. P/E is the last close over trailing twelve-month EPS. Market-cap rank is among the 4,183 NSE companies Pivot tracks; SEBI's bands call the top 100 large-cap and the next 150 mid-cap. Figures marked “—” are not available rather than zero. This is analysis, not financial advice.
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