Indian Railway Fin Peer Comparison

NSE: IRFC | BSE: 543257

₹83.30

₹-1.99 (-2.33%)

As on 13-Nov-2026IST

Market cap

₹1,08,926 Cr

Revenue (TTM)

₹30,125 Cr

P/E Ratio

14.8

P/B Ratio

1.8

Div. Yield

2.5 %

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	Indian Railway Fin	Cholamandalam Inv	REC	IIFL Finance	SBFC Finance
Market cap (₹ Cr)	1,08,926	1,58,134	79,392	27,391	10,017
Revenue (₹ Cr)	30,125	34,442	59,017	15,286	1,917
Net Profit (₹ Cr)	7,372.19	6,217.17	15,098.01	2,642.75	509.80
Net Margin (%)	24.28	17.80	25.54	17.27	26.58
RoE (%)	12.57	19.15	16.77	16.98	13.12
Price to Earnings	14.78	25.42	5.26	10.99	19.65
Price-To-Book	1.80	4.58	0.83	1.77	2.47

Income Statement (₹ Cr)

	Indian Railway Fin	Cholamandalam Inv	REC	IIFL Finance	SBFC Finance
Operating Income	30,124.94	34,442.13	59,016.84	15,285.55	1,917.45
Other Income	238.77	481.28	105.07	17.00	0.73
Total Income	27,338.06	31,539.08	59,628.35	13,645.42	1,679.50
Interest Expense	22,674.57	15,740.56	36,442.82	6,674.75	631.82
PBT & Exceptional Items	7,378.78	8,589.89	19,219.35	3,740.43	701.87
Operating Expenses	310.36	10,592.96	3,423.18	4,887.37	584.49
Exceptional Income/Expenses	0.00	0.00	-18.28	0.00	0.00
Profit before Tax	7,372.19	8,286.24	19,210.41	3,497.91	681.90
Taxes	0.00	2,069.07	4,112.40	855.16	172.10
Profit after Tax	7,372.19	6,217.17	15,098.01	2,642.75	509.80
Minority Interest	0.00	0.00	0.00	-150.12	0.00
Share of Associate	0.00	4.56	0.00	0.00	0.00
Consolidated Profit	7,372.19	6,221.73	15,098.01	2,492.63	509.80

	Indian Railway Fin	Cholamandalam Inv	REC	IIFL Finance	SBFC Finance
Shareholder's Funds	60,573.35	34,531.43	95,218.76	15,432.49	4,049.10
Minority Interest	0.00	0.00	0.00	-150.12	0.00
Non-Current Liabilities	5,808.78	571.54	1,473.29	792.69	13.26
Current Liabilities	4,61,594.46	2,34,919.27	5,77,496.42	86,466.16	9,622.36
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	25.66	3,685.43	3,133.39	1,388.15	347.88
Current Assets	5,19,320.79	2,66,173.27	6,70,876.01	1,01,500.78	13,327.12
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 (%)	12.57	19.15	16.77	16.98	13.12
ROA (%)	1.43	2.55	2.30	2.93	4.34
EBIT Margin (%)	98.95	68.36	94.15	66.44	68.48
Net Margin (%)	24.28	17.80	25.54	17.27	26.58
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 (%)	12.52	20.69	-0.94	35.37	28.43
EBIT Growth (%)	12.11	20.87	-3.38	65.42	31.04
Net Profit Growth (%)	7.86	33.94	-12.56	157.78	29.89
EPS Growth (%)	7.86	32.23	-12.48	189.87	27.88
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	14.78	25.25	5.25	10.96	19.53
Price / Book Value	1.80	4.58	0.83	1.77	2.47
Dividend Yield (%)	2.52	0.11	6.15	0.62	0.00
EV/EBITDA	18.26	14.88	10.65	8.60	12.28
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	1.13	1.13	1.16	1.17	1.39
Quick Ratio	1.13	1.13	1.16	1.17	1.39
Interest Coverage	1.33	1.53	1.53	1.52	2.08

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