I R C T C (IRCTC)

FairStock Score: 72/100 — STEADY

Score breakdown: P/E: 0/3 · ROCE: 2/2 · Growth: 1/2 · Dividend: 0/1

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look for a wonderful business at a fair price, and IRCTC’s financials show a wonderful business. ROE is 38.89%, ROCE 49.03%, debt/equity is only 0.02, and it generated ₹581 Cr of free cash flow. The Piotroski F-Score is 8/9 and Altman Z-Score is 6.09, so the balance sheet looks fortress-like. The latest quarter had ₹1,449 Cr of sales and ₹394 Cr of net profit, a strong margin, and promoter holding of 62.40% aligns management with shareholders. A five-year revenue CAGR of 46.34%, 1.91% dividend yield, and FairStock score of 72/100 STEADY suggest a quality travel-services franchise with a moat. But Ben Graham taught me that price is the decisive variable. At ₹497.50, market cap is ₹39,800 Cr, P/E 28.58, P/B 9.24, and book value ₹53.86. The Graham Number is ₹135.42 and DCF intrinsic value is ₹174.48, both far below the market price. The margin of safety is -320.57%, and EV/EBITDA of -93.64 offers no comforting anchor. Sales grew 18.06%, but profit growth was -0.18%, so earnings have stalled even as the top line moves. The 52-week range of ₹446.35–₹735.75 shows how much the market’s mood can swing this stock. I would call IRCTC a high-quality Stalwart, but not a bargain. I would wait for either a much lower price or clear profit-growth reacceleration before chasing it. In short, the business earns my respect; the stock price does not yet earn my capital.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data from BSE/NSE filings. AI analysis is for educational purposes only — not investment advice. Scoring methodology · Disclaimer