Indian Railway Finance stock
IRFC.NSNSEIndian Railway Finance Corporation Limited, Financial ServicesISIN INE053F01010
51Score 51 out of 100, Neutral
Price and trend
55 / 100
Price history
−30% in one yearThe chart shows daily closes over 6 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Below the 200-day line: the price is 8.6% below it.
Since August 2025 the 50-day line has been below the 200-day line; the trend has turned down.
Overheated: the price has risen very quickly lately (RSI 79).
The price is 36% below its 52-week high. Largest decline in 6 years: 66% (July 2024 to October 2026).
Chart figures for advanced users
- SMA 50$0.84
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$1.00
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)79
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDabove the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$0.78
- The lowest closing price of the last twelve months.
- Resistance$1.43
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Indian Railway Finance Corporation Limited belongs to the Financial (Credit Services) industry (India) and, with a market value of $11.9B, is number 16 of 61 companies in its industry on MEQIRI.
- In fiscal 2026 it reported revenue of $2.92B (up 1% year on year) and earnings of $748.09M (up 7.8%).
- MEQIRI Score 51 out of 100 (Neutral): rank 848 of 976 in Financial Services, median 68.
Show more
- The P/E is 15.1 (Financial (Credit Services) median 14.4, own median of recent years 11.3).
- Our model puts fair value at $0.80, with the price 15% above it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Consistently profitableProfit in all 10 fiscal years from 2017 to 2026.
Weaknesses
- High debtDebt 7.12 times equity (latest quarter), Financial (Credit Services) median 4.6.Stability 65
- Margin fallingOperating margin 26.6%, average of the prior years 53.4% (to 2025).Profitability 62
- Negative free cash flowFree cash flow −$1.72B over the last 12 months.Fundamentals 43
The score is held back by momentum and capital allocation.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
Fundamental quality fluctuates.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk not measured
How well MEQIRI warnsFor stocks from Japan, China, Hong Kong, Taiwan, Korea, Canada, India and Brazil we only show crash risk once a separate backtest shows that it warns as well there as in the US and Europe.
Valuation
Valuation signal
Fairly valuedClosing price of 11 Nov 2026, used by the daily score.
In our model the price counts as cheap below $0.62 and expensive above $1.15 (uncertainty medium, based on the price swings of the past year).
The two parts of the fair value come to $0.74 (cash-flow model) and $0.87 (industry comparison), and the gap between them shows how uncertain the estimate is. The price is slightly above both parts; given how much the stock swings, that still counts as fair.
Calculated with a cost of equity of 21.1%. At 22.1% the fair value would be $0.77, at 20.1% it would be $0.84.
Valuation metrics
Half from the cash-flow model, half from earnings times the industry P/E (14.4).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue rose 13.6% on the twelve months before. Revenue has grown strongly since 2013, at around 25% per year.
Margins
- Gross margin
- Operating margin
- Net margin
In fiscal 2026: gross 27%, operating 27%, net 26%.
Debt & balance sheet
latest quarterMeaningfully leveraged, but the interest bill is comfortably covered.
Earnings
- Next earnings
- 5 Feb 2027in 85 days
- Last reported
- 15 Oct 2026EPS reported $0.02
Analyst estimates
Earnings estimates have barely changed since 22 Oct 2026.
- Earnings per share
- $0.070.0%
- Revenue
- $980.57M0.0%
- Earnings per share
- $0.080.0%
- Revenue
- $1.04B0.0%
MEQIRI has stored the estimates since 22 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
What happened at Indian Railway Finance
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
976 rated companies in Financial Services
- This company
- 51
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Financial (Credit Services)
The next larger and next smaller companies by market value
- SoFi TechnologiesSOFI $21.12B46
- Cholamandalam Investment and FinanceCHOLAFIN.NS $16.56B79
- Muthoot FinanceMUTHOOTFIN.NS $12.43B82
- Power FinancePFC.NS $12.13B74
- Mitsubishi HC Capital8593.T $11.97B48
- Ally FinancialALLY $11.48B63
- RECRECLTD.NS $8.73B73
- FirstCash HoldingsFCFS $7.89B68
ETFs that hold Indian Railway Finance
Held by 1 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| Amundi Prime All Country World UCITS ETF AccWEBN | 0.00% | 0.07% | €8.65B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2026, period end 31 Mar 2026
- Currency
- Amounts in US dollars, converted at the ECB reference rate of 11 Nov 2026 ($1 = ₹93.6946)
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Neutral, published since 7 Nov 2026 (in the score history since 6 Nov 2026)
- Valuation signal Fairly valued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.