Indian Railway Fin Peer Comparison

NSE: IRFC | BSE: 543257

₹74.45

₹-2.55 (-3.31%)

As on 23-Oct-2026IST

Market cap

₹97,360 Cr

Revenue (TTM)

₹30,125 Cr

P/E Ratio

13.2

P/B Ratio

1.6

Div. Yield

2.8 %

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	Indian Railway Fin	IIFL Finance	RGF Cap Markets	Bajaj Finance	Shriram Finance
Market cap (₹ Cr)	97,360	22,694	57	5,77,146	2,04,013
Revenue (₹ Cr)	30,125	15,286	1	90,532	51,877
Net Profit (₹ Cr)	7,372.19	2,642.75	-0.24	22,045.22	12,663.30
Net Margin (%)	24.28	17.27	-22.84	24.34	24.38
RoE (%)	12.57	16.98	-1.72	18.46	14.31
Price to Earnings	13.21	9.10	348.53	26.60	16.08
Price-To-Book	1.61	1.47	4.10	4.69	1.87

Income Statement (₹ Cr)

	Indian Railway Fin	IIFL Finance	RGF Cap Markets	Bajaj Finance	Shriram Finance
Operating Income	27,284.15	13,350.80	0.13	81,982.38	48,132.95
Other Income	53.91	294.62	--	806.77	65.79
Total Income	27,338.06	13,645.42	0.13	82,789.15	48,198.74
Interest Expense	20,005.26	5,736.36	0.01	28,898.86	21,594.48
PBT & Exceptional Items	7,009.17	2,408.58	0.00	26,065.41	13,300.19
Operating Expenses	317.58	5,289.86	0.11	26,815.90	12,605.17
Exceptional Income/Expenses	--	-586.50	--	-265.22	1,553.66
Profit before Tax	7,009.17	2,408.58	0.00	25,816.65	13,300.19
Taxes	--	591.88	0.00	6,484.29	3,295.99
Profit after Tax	7,009.17	1,816.70	0.00	19,332.36	10,004.20
Minority Interest	--	1,699.13	--	2,986.52	--
Share of Associate	--	--	--	--	20.50
Consolidated Profit	7,009.68	1,660.80	0.00	19,017.39	10,024.16

	Indian Railway Fin	IIFL Finance	RGF Cap Markets	Bajaj Finance	Shriram Finance
Shareholder's Funds	56,748.76	13,919.96	13.83	1,13,999.02	65,918.59
Minority Interest	--	1,699.13	--	2,986.52	--
Non-Current Liabilities	4,06,794.41	45,501.07	-0.03	2,79,342.22	1,70,650.83
Current Liabilities	53,133.31	27,682.03	1.63	1,62,064.53	80,541.18
Total Liabilities	5,16,676.48	88,986.59	15.50	5,59,952.36	3,21,374.52

	Indian Railway Fin	IIFL Finance	RGF Cap Markets	Bajaj Finance	Shriram Finance
Non-Current Assets	4,70,630.82	80,125.78	10.84	5,36,336.12	3,02,455.27
Current Assets	46,045.66	8,652.51	4.60	22,056.17	14,654.36
Total Assets	5,16,676.48	88,986.59	15.50	5,59,952.36	3,21,374.52
Contingent Liabilities	929.13	777.91	--	4,672.48	3,248.72

	Indian Railway Fin	IIFL Finance	RGF Cap Markets	Bajaj Finance	Shriram Finance
Cash From Operating Activities	-27,026.41	-13,975.99	0.62	-65,789.80	-13,281.43
Cash Flow from Investing Activities	-2.64	-2,605.61	0.01	-3,388.63	-242.83
Cash from Financing Activities	21,560.07	17,843.20	--	67,432.87	8,586.79
Net Cash Inflow / Outflow	-5,468.98	1,261.60	0.62	-1,745.56	-4,937.47

	Indian Railway Fin	IIFL Finance	RGF Cap Markets	Bajaj Finance	Shriram Finance
ROCE (%)	5.64	11.11	0.08	10.87	11.49
ROE (%)	12.81	13.97	0.00	18.54	16.36
ROA (%)	1.39	2.33	0.00	3.78	3.29
EBIT Margin (%)	99.03	62.58	14.02	68.27	73.95
Net Margin (%)	25.64	13.31	0.15	23.35	20.76
Cash Profit Margin (%)	25.71	15.19	6.22	24.81	22.24

	Indian Railway Fin	IIFL Finance	RGF Cap Markets	Bajaj Finance	Shriram Finance
Revenue Growth (%)	0.49	30.75	-56.74	19.15	15.06
EBIT Growth (%)	0.07	47.14	32.62	16.77	18.14
Net Profit Growth (%)	7.80	214.22	-77.78	15.21	6.16
EPS Growth (%)	7.80	337.65	-100.00	14.13	4.86
Book Value Growth (%)	7.75	12.33	0.00	17.81	16.78

	Indian Railway Fin	IIFL Finance	RGF Cap Markets	Bajaj Finance	Shriram Finance
Price / Earnings	16.27	11.01	0.00	26.20	16.37
Price / Book Value	2.01	1.33	0.86	4.42	2.49
Dividend Yield (%)	2.41	0.93	0.00	0.75	1.24
EV/EBITDA	20.34	9.78	414.10	16.41	11.43
Market Cap (₹ Cr)	1,14,023.19	18,277.25	11.85	4,98,305.30	1,64,090.04

	Indian Railway Fin	IIFL Finance	RGF Cap Markets	Bajaj Finance	Shriram Finance
Debt to Equity	7.69	5.03	0.00	3.86	3.80
Short term debt to equity ratio	0.55	1.72	--	1.37	1.17
Current Ratio	0.87	0.31	2.82	0.14	0.18
Quick Ratio	0.87	0.31	2.82	0.14	0.18
Interest Coverage	1.35	1.42	1.03	1.89	1.62

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