Indian Railway FIN Corp L

NSE: IRFC · Financial Institution · sector

₹74.40NSE close 2026-10-26

Key numbers

Market cap₹97,230 cr

Price₹74.40

52w high / low₹137 / ₹74

P/E13.2xSector median 13.2x

P/B1.6xSector median 1.6x

Book value₹46.4

Dividend yield2.82%Sector median 3.66%

ROE12.6%Sector median 14.4%

ROA1.40%Sector median 2.50%

Gross NPA–

Net NPA–

CET1–

Sales growth 3y+4.5%Sector median +14.3%

Profit growth 3y+3.4%Sector median +13.8%

PEG3.89x

Last 12 months to Sep 2026, Standalone. "Sector median" = middle value of 9 companies in Financial Institution (P/E median leaves out loss-making companies). Tap ? for what a number means.

Things to know

Promoter holding fell by 3.46 percentage points in a year, to 82.90% (2026-09-30).
Total income was higher than a year earlier in 3 of the last 4 quarters.
Dividend paid in 5 of the last 5 financial years.
Price ₹74.40 on 2026-10-26: -45.8% from the 52-week high, +0.5% from the 52-week low.

Plain facts from the filings, built by the same fixed rules for every company. A line appears only when the data for it is available. Not a view on the stock.

Charts

Weekly close · high ₹162.73 · low ₹74.40

Quarterly results

₹ cr	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Sep 2026
Total income	6,763	6,723	6,915	6,372	6,661	7,336	8,261	7,866
Net interest income	6,763	6,723	6,915	6,372	6,661	7,336	8,261	7,866
Other income	3	1	3	0	58	-7	130	58
Net profit	1,631	1,682	1,746	1,777	1,802	1,684	1,927	1,958
EPS (₹)	1.25	1.29	1.34	1.36	1.38	1.29	1.47	1.50
Revenue YoY					-1.5%	+9.1%	+19.5%	+23.5%
Profit YoY					+10.5%	+0.1%	+10.4%	+10.2%

Standalone figures where filed. Latest quarter Sep 2026.

Profit & loss (yearly)

₹ cr	FY22	FY23	FY24	FY25	FY26	TTM
Revenue	20,299	23,892	26,645	27,152	27,285	30,125
Net profit	6,090	6,337	6,412	6,502	7,009	7,372
EPS (₹)	4.66	4.85	4.91	4.98	5.36	5.64
Revenue growth		+17.7%	+11.5%	+1.9%	+0.5%	+12.5%
Profit growth		+4.1%	+1.2%	+1.4%	+7.8%	+7.9%
Dividend / share (₹)	0.77	1.43	1.50	2.30	2.10

Compounded growth	3 years	5 years	Last 12 months
Sales	+4.5%	+11.6%	+12.5%
Net profit	+3.4%	+9.7%	+7.9%
EPS	+3.4%	+7.9%	–
Share price	–	-27.1% (2y)	-38.7%

Balance sheet

₹ cr	FY22	FY23	FY24	FY25	FY26
Shareholders' equity	–	45,470	49,179	52,668	56,749
Borrowings	–	2,02,835	1,86,938	1,63,298	1,73,767
Cash & equivalents	–	542	467	6,143	978
Total assets	–	4,91,147	4,85,082	4,88,835	5,16,676
Fixed assets	–	18	21	14	18
Capital work in progress	–	0	0	0	0
Inventory	–	0	0	0	0

Year-end figures from the March annual filing.

Cash flow

₹ cr	FY22	FY23	FY24	FY25	FY26
Cash from operations	-64,412	-28,584	7,914	8,230	-27,026
Cash from investing	-5	0	-8	-0	-3
Cash from financing	64,266	28,643	-8,046	-2,572	21,560
Capex	7	1	8	1	13
Free cash flow	-64,419	-28,585	7,906	8,229	-27,040

Free cash flow = cash from operations − capex.

Ratios by year

₹ cr	FY22	FY23	FY24	FY25	FY26
ROE %	–	13.9%	13.0%	12.3%	12.4%

Shareholding

Holder	% (2026-09-30)
Promoters	82.90%
FIIs	1.15%
DIIs	3.97%
of which Mutual funds	0.34%
of which Insurance	3.57%
Government	0.00%
Public (non-institutions)	11.98%

Quarter	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Sep 2026
Promoters %	86.36%	86.36%	86.36%	86.36%	86.36%	84.65%	82.90%	82.90%

Promoter group	%
President of India Acting Through the MOR	82.90%

Public holders above 1%	%
Life Insurance Corporation of India	3.54%

50,13,659 shareholders. Pledged: – of promoter shares.

Peers in Financial Institution

Company	Market cap	P/E	P/B	ROE	ROA	Gross NPA	Sales 3y	Div yield
PFC	₹1,05,042 cr	5.2x	1.0x	21.0%	3.28%	–	+13.8%	5.23%
IRFC	₹97,230 cr	13.2x	1.6x	12.6%	1.40%	–	+4.5%	2.82%
RECLTD	₹78,523 cr	4.9x	0.9x	19.7%	2.50%	–	+14.7%	7.78%
HUDCO	₹29,078 cr	6.8x	1.3x	21.3%	2.55%	–	+22.9%	3.66%
IREDA	₹28,618 cr	14.5x	2.0x	14.4%	2.01%	–	–	–
IFCI	₹16,123 cr	299.2x	9.0x	3.0%	0.53%	–	+18.9%	–
TFCILTD	₹7,144 cr	46.3x	5.4x	12.2%	6.39%	–	+5.8%	0.39%
HARAFIN	₹1,189 cr	1,145.0x	–	–	3.84%	–	+28.6%	–
GUJSTATFIN	₹74 cr	0.5x	–	–	-62.91%	100.00%	-36.1%	–

All 9 companies in Financial Institution →

Dividends & corporate actions

Ex-date	Action	Detail
2026-10-23	Dividend	Interim Dividend - Rs 1.15 Per Share
2026-03-13	Dividend	Interim Dividend - Rs 1.05 Per Share
2025-10-24	Dividend	Interim Dividend - Rs 1.05 Per Share
2025-03-21	Dividend	Interim Dividend - Re 0.80 Per Share
2024-11-12	Dividend	Interim Dividend - Re 0.80 Per Share
2024-08-23	Other	Annual General Meeting
2024-08-22	Dividend	Dividend - Rs 0.70 Per Share
2023-11-10	Dividend	Interim Dividend - Re 0.80 Per Share
2023-09-15	Dividend	Dividend - Re 0.70 Per Share
2023-09-15	Other	Annual General Meeting
2022-11-17	Dividend	Interim Dividend - Re 0.80 Per Share
2022-09-15	Other	Annual General Meeting
2022-09-15	Dividend	Dividend - Re 0.63 Per Share
2021-11-10	Dividend	Interim Dividend - Rs 0.77 Per Share
2021-09-23	Other	Annual General Meeting
2021-02-17	Dividend	Interim Dividend - Rs 1.05 Per Share

Documents

Links go to the original files on the exchange website.

About the company

Other financial service activities, except insurance and pension funding activities: Financial leasing


Sector	Financial Services
Industry	Financial Institution
Sub-industry	Financial Institution
Symbol	IRFC
BSE code	543257
ISIN	INE053F01010
Face value	₹10.0
Incorporated	1986-12-12
Website	https://irfc.co.in
Plants (India / abroad)	0 / 0

From the company's filings (BRSR FY26).

Data built 2026-10-22 from NSE company filings (XBRL: Integrated Filing - Financials + financial results), NSE shareholding & pledge data; price = NSE close 2026-10-26.