Indian Railway Finance Corporation Ltd.
IRFC · NSE · Financial Services
With a 20% margin of safety, our buy-below price is ₹96.82.
Piotroski F-score 4/9 — quality of earnings & balance sheet.
Investability checklist
- ✕ROE above 15%12.8%
- ✕Low debt (D/E < 0.5)7.73x
- ✕Positive free cash flow
- ✕Revenue growth > 10%1%
- ✕Earnings growing0%
- ✓Net margin ≥ 10%97.2%
- ✓Current ratio > 1.518.27
- ✓Below our fair value
- ✓Margin of safety ≥ 20%
- ✕Above 200-day average
- ✕Above 50-day average
- –Positive 1-year return
- –Altman Z in safe zone
- ✕Piotroski ≥ 74/9
1-year price
EOD · 2026-06-15Our scores
Key fundamentals
SWOT snapshot
Strengths
- •Healthy profit margin (97.2%).
Weaknesses
- •High debt relative to equity.
- •Price below its 200-day moving average (downtrend).
Opportunities
- •Trading in our value buy zone versus sector peers.
- •Trades ~25% below our estimated fair value.
About Indian Railway Finance Corporation Ltd.
Indian Railway Finance Corporation Limited engages in leasing of rolling stock and railway infrastructure assets in India. The company also engages in lending business; and borrowing funds from commercial markets, financial markets to finance the acquisition/creation of assets that are leased out to the Indian Railways. Indian Railway Finance Corporation Limited was incorporated in 1986 and is based in New Delhi, India.
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Our 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.