# Indian Railway Finance Corporation Ltd (IRFC)
> Exchange: NSE | Sector: NBFC & Finance | ISIN: 

## Price
Current Price: ₹94.7
Day Change: -1.83%
52W High: ₹148.9
52W Low: ₹98.5
Market Cap: ₹1,29,378 Cr

## Valuation
P/E: 18.47
P/B: 2.28
EPS: ₹5.36
Book Value: ₹43.36
Dividend Yield: 0%

## Returns
1Y Return: -18.96%

## Profitability
ROE: 12.9%
ROCE: 3.34%
Debt/Equity: 7.45
Revenue Growth: 10.6%
Profit Growth: 10.4%
EBITDA Margin: 0%
Operating Margin: 97.52%

## About
IRFC is a leading Indian company in the Financial Services space, listed on the NSE. The company is a key player in the NBFC — Diversified segment with a strong market position and diversified operations.
Sector: NBFC & Finance
Industry: Credit Services
Sub Industry: NBFC — Diversified

## Business Model
Overview: Indian Railway Finance Corporation Ltd makes money through Core Business, Other Segments, Exports in NBFC — Diversified. Revenue quality depends on demand growth, margin discipline, balance-sheet strength, and the company's ability to defend its position within NBFC & Finance.
Source: Derived from stock data
Revenue Streams:
- Core Business
- Other Segments
- Exports
Operating Model:
- Mobilises deposits or borrowings, underwrites credit, and earns spreads after credit costs.
- Asset quality, capital adequacy, and funding cost drive through-cycle performance.
Business Segments:
- Core Business: 64% of tracked revenue, equal to ₹25,139 Cr. | 64% | ₹25,139 Cr
- Other Segments: 33% of tracked revenue, equal to ₹12,962 Cr. | 33% | ₹12,962 Cr
- Exports: 3% of tracked revenue, equal to ₹1,178 Cr. | 3% | ₹1,178 Cr
Recent Context:
- Announcement: Intimation Fine(S) Levied By Stock Exchanges
- Announcement: Announcement under Regulation 30 (LODR)-Press Release / Media Release
- BSE Filing: Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome

## Access
Current tier: anonymous
More history: Register free to see 18 more years.

## Data Freshness
Quote Updated: 2026-06-08T20:00:07.519Z
Price History Updated: 2026-06-08T16:00:38.600Z
Latest Price History Date: 2026-06-08
Technicals Updated: 2026-06-08T16:00:38.600Z
Quant Updated: 2026-06-08T16:00:38.600Z
Sentiment Updated: 2026-06-08T16:00:38.600Z
Financials Status: current
Financials Updated: 2026-05-18T02:33:58.650Z
Financials Last Attempt: 2026-05-18T02:33:58.650Z
Financials Provider Tried: yahoo
Latest P&L Period: FY25
Latest Balance Sheet Period: FY25
Latest Cash Flow Period: FY25

## P&L (FY25)
Revenue: ₹27064.55 Cr
Operating Profit: ₹14453.18 Cr (OPM 53.4%)
Net Profit: ₹6502 Cr
Tax: ₹0 Cr

## Annual P&L History
FY25: Rev ₹27064.55Cr | PAT ₹6502Cr | OPM 53.4%
FY24: Rev ₹26530.42Cr | PAT ₹6412.11Cr | OPM 45.47%
FY23: Rev ₹23650.7Cr | PAT ₹6167.16Cr | OPM 47.3%

## Balance Sheet (FY25)
Total Assets: ₹488834.68 Cr
Total Liabilities: ₹436166.83 Cr
Borrowings: ₹412132.69 Cr
Cash: ₹5680.29 Cr

## Shareholding
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## Board
- Manoj Kumar Dubey, MD, CEO & Chairman
- Vijay Babulal Shirode, Joint GM of Law & Company Secretary
- Randhir  Sahay, CFO & Director
- Shwet Ketu Mishra, Chief General Manager of Technology
- Sanjay  Jain, Chief Compliance Officer

## Highlights
- Strong revenue growth of 18% CAGR over 5 years
- ROE of 12.9% indicates efficient capital allocation

## Concerns
- Debt-to-equity ratio needs monitoring amid expansion plans
- Promoter holding has seen slight decline in recent quarters

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Source: rupiya.io/stocks/irfc
Disclaimer: For research and education only. Not investment advice.