I R F C (IRFC)
STALWARTFairStock Score: 54/100 — MIXED
Score breakdown: P/E: 2/3 · ROCE: 0/2 · Growth: 1/2 · Dividend: 0/1
Key Financials
| Current Price | ₹105.03 |
| Market Cap | ₹1,35,324.38 Cr |
| P/E Ratio | 19.31 |
| ROCE | 5.83% |
| ROE | 13.3% |
| Dividend Yield | 1.55% |
| Profit Growth | 7.18% |
| Debt/Equity | 7.83 |
| Sales Growth | -0.86% |
| Free Cash Flow | ₹8,22,947 Cr |
| Promoter Holding | 84.65% |
| 52-Week Range | ₹87 — ₹146.19 |
| Sector | Finance |
| Book Value | ₹40.3 |
Strengths
- Government-backed railway financing specialist with stable business model
- Healthy profit growth of 10.5% showing earnings expansion capability
- Large market presence with Rs 1.4L Cr market cap providing institutional stability
Concerns
- Declining sales growth of -1.5% indicating business expansion challenges
- Low ROCE of 5.8% suggesting inefficient capital utilization
- Weak DhanIQ Score of 3/10 pointing to fundamental performance issues
AI Analysis
I R F C is a Stalwart company — a financial institution specializing in railway financing with a substantial market presence of Rs 1.4 lakh crores. The company trades at a P/E ratio of 19.3, which appears reasonable for a government-backed financial entity, though this needs context against historical valuations. The data indicates mixed performance signals that first-time investors should understand. On the positive side, profit growth shows a healthy 10.5% expansion, demonstrating the company's ability to generate increasing earnings despite challenging market conditions. However, analysis suggests some concerns with sales growth declining by 1.5%, indicating potential headwinds in core business expansion. The Return on Capital Employed stands at 5.8%, which is modest for a financial institution and suggests room for improvement in capital efficiency. The dividend yield of 1.6% provides some income potential for investors seeking regular returns. The DhanIQ Score of 3 out of 10 indicates fundamental weaknesses that investors may consider carefully. As a stalwart in railway financing, IRFC benefits from government backing and India's infrastructure focus, but the company faces challenges in accelerating growth momentum and improving operational efficiency in a competitive financial sector.
Data from BSE/NSE filings. AI analysis is for educational purposes only — not investment advice. Scoring methodology · Disclaimer