Medium riskMid capEducational sample dataset

Indian Railway Finance Corp

IRFC · NSE & BSE · Specialty Finance · Railway Financing

Current price

₹180.00

+0.60%FY24 (illustrative)

Illustrative / demo price - not live.

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About the company

The dedicated financing arm of Indian Railways, funding rolling stock and infrastructure.

Origin & history

Set up in 1986, IRFC raises funds to finance Indian Railways' asset purchases.

Founded

1986

Headquarters

New Delhi

Business segments

Rolling Stock70.0%
Project Finance30.0%

Competitive position (moat)

Captive financing relationship with Indian Railways.

Governance

Government-owned with professional management.

Promoter holding

86.4%

Institutional holding

5.0%

Why it's interesting

A high-dividend lender tied to Indian Railways' capex, with a government-backed profile.

What to verify

  • Railways' capex and borrowing needs
  • Asset quality and interest margins
  • Government ownership and policy

Key risks

  • Dependence on Railways
  • Interest-rate sensitivity
  • Policy

Valuation snapshot

Market cap

₹2.4 L cr

Total value of all shares: price multiplied by shares outstanding.

P/E

9.0

Price to earnings: how much you pay per rupee of profit.

P/B

1.3

Price to book: how the price compares to net asset value per share.

EV/EBITDA

0.0

Enterprise value to operating profit: a valuation that accounts for debt and cash.

Dividend yield

3.5%

Annual dividend per share as a percentage of the price.

Profitability

Revenue

₹26,000 cr

EBITDA

₹0 cr

Net income

₹26,000 cr

EPS

₹20.00

EBITDA margin

0.0%

Net margin

100.0%

ROE

14.0%

ROCE

0.0%

Revenue growth

8.0%

Balance sheet health

Debt/equity

9.0

Total debt divided by shareholders' equity: how leveraged the company is.

Cash

₹5,000 cr

Cash and equivalents on the balance sheet.

Interest coverage

1.2

How many times operating profit covers interest expense.

Dividends & returns

Dividend yield

3.5%

Dividend yield is the annual payout as a share of the price. A higher yield can signal a mature, cash-generative business - or a falling price. Check the payout history before reading too much into it.

Growth trend

Revenue growth

8.0%

Revenue growth shows how fast the top line is expanding. Pair it with margin trends to see whether growth is turning into profit.

Ownership

Promoter holding

86.4%

Share held by the founding family or group.

Institutional holding

5.0%

Share held by mutual funds, insurers and foreign institutions.

Placeholders - verify in the shareholding pattern.

Key catalysts

  • Railways capex
  • Dividend

Red flags

  • Policy dependence
  • High leverage

52-week range

52-week low

₹120.00

Lowest price in the 52-week range.

52-week high

₹220.00

Highest price in the 52-week range.