Indian Railway Finance Corporation Limited
Quality (61/100) does the heavy lifting; momentum (10/100) is the drag.
Buy zoneIndian Railway Finance Corporation Limited earns a Sell from StocksWizard, with a blended score of 44/100. We put fair value near ₹80.14; at ₹89.13 that leaves roughly 10% downside, so the stock screens fairly valued. On 16.3x trailing earnings it sits cheaper than the Financial Services median of about 24.3x. It's sitting close to its 52-week low of ₹87.03. Financial health scores 67/100, with a Piotroski F-score of 5/9. The average analyst target of ₹60 implies about 33% downside across 1 analysts. It clears 2 of 12 investability checks, with durability 61, valuation 77 and momentum 10 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹64.11.
Analyst views
1-year price
EOD · 2026-07-2952-week range
-32.60% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Sell44Piotroski F-score 5/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- Fail: ROE above 15%: 12.8%
- Fail: Low debt (D/E < 0.5): 7.73x
- Fail: Positive free cash flow
- Fail: Revenue growth > 10%: 1%
- Fail: Earnings growing: 0%
- Pass: Net margin ≥ 10%: 97.2%
- Pass: Current ratio > 1.5: 18.27
- Fail: Below our fair value
- Fail: Margin of safety ≥ 20%
- Fail: Above 200-day average
- Fail: Above 50-day average
- No data: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 5/9
Quarterly results
Annual financials
Shareholding
- Promoter82.9%
- Institutions3.8%
- Public & other13.3%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Healthy profit margin (97.2%).
Opportunities
- Trading in our value buy zone versus sector peers.
Bear case
Weaknesses
- High debt relative to equity.
- Price below its 200-day moving average (downtrend).
About Indian Railway Finance Corporation Limited
Indian Railway Finance Corporation Limited finances railway operations by leasing rolling stock and infrastructure assets to Indian Railways. The company borrows from commercial and financial markets to fund acquisitions of these assets for leasing. Incorporated in 1986, the company is headquartered in New Delhi, India.
Indian Railway Finance Corporation Limited — frequently asked questions
Is Indian Railway Finance Corporation Limited a buy, hold or sell?
StocksWizard currently rates Indian Railway Finance Corporation Limited (IRFC) a Sell, based on a blended score of 44/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is Indian Railway Finance Corporation Limited's fair value?
Our blended DCF and relative-valuation model estimates Indian Railway Finance Corporation Limited's fair value at about ₹80.14, versus a current price of ₹89.13 — roughly 10% downside. On that basis the stock looks fairly valued.
Is Indian Railway Finance Corporation Limited financially healthy?
Indian Railway Finance Corporation Limited scores 67/100 on our financial-health model, with a Piotroski F-score of 5/9.
How has Indian Railway Finance Corporation Limited's share price performed?
Indian Railway Finance Corporation Limited is down 14% over three months, and last traded at ₹89.13. Past performance doesn't predict future returns.
More in Financial Services
View allOur verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.