Indian Railway Finance Corporation Limited
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Indian Railway Finance Corporation Limited's yearly results (2023–2026), compared with Financial Services companies in India. Tap ? on any ratio for what it means.
What stands out
- Tangible Assets Ratio: Of every ₹100 the company owns, ₹100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles. More tangible than 89% of Financial Services companies in India.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
3/3 · 3/3Sales and profit both grew in each of the last 3 years.
Steadier than 83% of Financial Services companies in India.
Growth Efficiency Ratio
₹25Sales grew 14% in 3 years; of every extra ₹100 of sales, ₹25 became extra profit.
Higher than 53% of Financial Services companies in India.
Asset Productivity Ratio
+14% / +5%In 3 years sales changed by +14% while total assets changed by +5%. Sales grew faster than assets.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
100%Of every ₹100 the company owns, ₹100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 89% of Financial Services companies in India.
Tangible Net Worth Ratio
100%Of every ₹100 of net worth, ₹100 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 83% of Financial Services companies in India.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Indian Railway Finance Corporation Limited owes ₹0.89 for every ₹1 it owns. Net profit rose 8% in the year to Mar 2026, and grew 4% a year on average over 3 years.
Compared with Financial Services companies in India · latest annual results Mar 2026.
P/E ratio
14.0Investors pay ₹14.0 for every ₹1 of Indian Railway Finance Corporation Limited's yearly profit, lower than 54% of Financial Services companies in India.
P/B ratio
1.77The share price is 1.77 times Indian Railway Finance Corporation Limited's book value per share, higher than 58% of Financial Services companies in India.
Market cap
₹100,627 CrThe total market value of all of Indian Railway Finance Corporation Limited's shares at today's price (share price × number of shares), larger than 90% of Financial Services companies in India. PosiCap size class: Tito Cap.
Net worth (book value)
₹56,749 CrWhat Indian Railway Finance Corporation Limited would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (31 Mar 2026).
Book value per share
₹43.42Net worth divided by the number of shares. The share price of ₹77.00 is 1.8 times this, which is the P/B above.
Return on equity (ROE)
12.7%Indian Railway Finance Corporation Limited earned 12.7% on its shareholders' money over the last year, higher than 57% of Financial Services companies in India.
Owes vs Owns
0.89×Indian Railway Finance Corporation Limited owes ₹0.89 for every ₹1 it owns (high), higher than 83% of Financial Services companies in India. Banks and lenders usually show higher figures.
Dividend yield
2.81%Indian Railway Finance Corporation Limited pays 2.81% of its share price as dividends a year, higher than 87% of dividend-paying Financial Services companies in India.
Revenue growth
+0%Revenue rose 0% in the year to Mar 2026, and grew 5% a year on average over 3 years.
Profit growth
+8%Net profit rose 8% in the year to Mar 2026, and grew 4% a year on average over 3 years.
Profit margin
25.9%Indian Railway Finance Corporation Limited keeps ₹26 of every ₹100 of revenue as net profit.
Questions
What is Indian Railway Finance Corporation Limited's P/E ratio?
Investors pay ₹14.0 for every ₹1 of Indian Railway Finance Corporation Limited's yearly profit, lower than 54% of Financial Services companies in India.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Indian Railway Finance Corporation Limited: ₹100,627 Cr ÷ ₹56,749 Cr (31 Mar 2026) = 1.8.
What is Indian Railway Finance Corporation Limited's return on equity?
Indian Railway Finance Corporation Limited earned 12.7% on its shareholders' money over the last year, higher than 57% of Financial Services companies in India.
How much does Indian Railway Finance Corporation Limited owe compared with what it owns?
Indian Railway Finance Corporation Limited owes ₹0.89 for every ₹1 it owns (high), higher than 83% of Financial Services companies in India. Banks and lenders usually show higher figures.
Does Indian Railway Finance Corporation Limited pay a dividend?
Yes. Indian Railway Finance Corporation Limited pays 2.81% of its share price as dividends a year, higher than 87% of dividend-paying Financial Services companies in India.
Is Indian Railway Finance Corporation Limited's revenue growing?
Revenue rose 0% in the year to Mar 2026, and grew 5% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.