Indian Railway Fin Peer Comparison

NSE: IRFC | BSE: 543257

₹78.44

₹-0.84 (-1.06%)

As on 01-Oct-2026 09:59IST

Market cap

₹1,03,307 Cr

Revenue (TTM)

₹28,630 Cr

P/E Ratio

14.4

P/B Ratio

1.8

Div. Yield

2.7 %

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	Indian Railway Fin	Cholamandalam Inv	REC	IIFL Finance	SBFC Finance
Market cap (₹ Cr)	1,03,307	1,38,065	78,839	25,673	9,468
Revenue (₹ Cr)	28,630	32,663	59,169	14,344	1,782
Net Profit (₹ Cr)	7,190.69	5,746.51	16,035.21	2,255.68	480.07
Net Margin (%)	24.96	17.34	27.05	15.70	26.93
RoE (%)	12.73	20.39	19.05	15.64	13.41
Price to Earnings	14.37	24.01	4.92	12.21	19.72
Price-To-Book	1.76	4.31	0.89	1.77	2.47

Income Statement (₹ Cr)

	Indian Railway Fin	Cholamandalam Inv	REC	IIFL Finance	SBFC Finance
Operating Income	28,630.42	32,662.59	59,169.11	14,344.21	1,781.85
Other Income	180.74	479.73	104.75	19.29	0.68
Total Income	27,338.06	31,539.08	59,628.35	13,645.42	1,679.50
Interest Expense	21,301.91	14,923.44	36,051.45	6,148.03	564.81
PBT & Exceptional Items	7,196.56	7,955.35	20,377.07	3,207.43	661.93
Operating Expenses	312.69	10,263.53	2,808.78	5,008.04	555.79
Exceptional Income/Expenses	0.00	0.00	-18.28	0.00	0.00
Profit before Tax	7,190.69	7,663.84	20,368.21	2,980.93	642.01
Taxes	0.00	1,917.33	4,333.00	725.25	161.94
Profit after Tax	7,190.69	5,746.51	16,035.21	2,255.68	480.07
Minority Interest	0.00	0.00	0.00	-153.14	0.00
Share of Associate	0.00	4.49	0.00	0.00	0.00
Consolidated Profit	7,190.69	5,751.00	16,035.21	2,102.54	480.07

	Indian Railway Fin	Cholamandalam Inv	REC	IIFL Finance	SBFC Finance
Shareholder's Funds	56,748.76	30,458.40	85,054.40	13,919.96	3,725.15
Minority Interest	0.00	0.00	0.00	-153.14	0.00
Non-Current Liabilities	1,508.64	364.96	943.02	506.14	8.44
Current Liabilities	4,58,419.08	2,14,624.87	5,54,160.58	72,933.81	7,351.81
Total Liabilities	5,16,676.48	2,45,448.23	6,40,158.00	88,986.59	11,085.85

	Indian Railway Fin	Cholamandalam Inv	REC	IIFL Finance	SBFC Finance
Non-Current Assets	27.68	3,070.88	4,282.80	1,317.22	332.06
Current Assets	5,06,411.25	2,42,206.84	6,35,499.87	86,518.51	10,747.11
Total Assets	5,16,676.48	2,45,448.23	6,40,158.00	88,986.59	11,085.85
Contingent Liabilities	929.13	391.58	6,941.38	777.91	1.57

	Indian Railway Fin	Cholamandalam Inv	REC	IIFL Finance	SBFC Finance
Cash From Operating Activities	-27,026.41	-30,020.80	5,971.57	-13,975.99	-1,892.70
Cash Flow from Investing Activities	-2.64	-2,554.01	-3,307.66	-2,605.61	130.99
Cash from Financing Activities	21,560.07	35,610.01	-2,375.02	17,843.20	1,977.35
Net Cash Inflow / Outflow	-5,468.98	3,035.20	288.89	1,261.60	215.64

	Indian Railway Fin	Cholamandalam Inv	REC	IIFL Finance	SBFC Finance
ROCE (%)	5.64	9.70	9.71	11.11	11.82
ROE (%)	12.73	20.39	19.05	15.64	13.41
ROA (%)	1.43	2.57	2.56	2.88	4.88
EBIT Margin (%)	98.89	67.68	95.21	63.51	67.69
Net Margin (%)	24.96	17.34	27.05	15.70	26.93
Cash Profit Margin (%)	0.00	0.00	0.00	0.00	0.00

	Indian Railway Fin	Cholamandalam Inv	REC	IIFL Finance	SBFC Finance
Revenue Growth (%)	4.87	19.64	1.83	36.06	27.63
EBIT Growth (%)	4.36	17.49	-0.15	62.39	28.65
Net Profit Growth (%)	7.79	29.12	-5.06	338.70	30.68
EPS Growth (%)	7.79	28.02	-4.97	112.83	28.63
Book Value Growth (%)	7.75	28.52	8.58	12.33	17.42

	Indian Railway Fin	Cholamandalam Inv	REC	IIFL Finance	SBFC Finance
Price / Earnings	14.37	23.83	4.91	12.17	19.58
Price / Book Value	1.76	4.31	0.89	1.77	2.47
Dividend Yield (%)	2.66	0.12	6.20	0.67	0.00
EV/EBITDA	19.03	14.94	10.50	9.39	12.91
Market Cap (₹ Cr)	1,14,023.19	1,15,355.78	80,355.20	18,277.25	8,953.99

	Indian Railway Fin	Cholamandalam Inv	REC	IIFL Finance	SBFC Finance
Debt to Equity	0.00	0.00	0.00	0.00	0.00
Short term debt to equity ratio	0.55	2.55	0.14	1.72	0.61
Current Ratio	1.10	1.13	1.15	1.19	1.46
Quick Ratio	1.10	1.13	1.15	1.19	1.46
Interest Coverage	1.34	1.51	1.56	1.48	2.14

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.