Indian Railway Finance Corpora
IRFC.BO BSEThere isn't enough cash-flow history to value Indian Railway Finance Corpora yet. Its growth outlook scores mixed; analysts' mean target sits about 30% lower.
At a glance
tap a tile to dig inOtto's verdict
the tiles above, in a line each- Health 11 of 19 health checks pass.
- Growth Revenue trend ≈ +5%/yr (extended trend, not a forecast).
- Street Analysts lean none · avg target -30% from here.
- Dividend Pays a dividend — yields 3.07%.
Not investment advice — Otto just crunches numbers.
Price trend
-4.6% over one year · NIFTY 50 +1.6%
What think
The market's move: -4.6% over the past year
Trading 6% up its 52-week range. Price is the market's live vote — not advice.
No analyst consensus is available for IRFC.BO.
Insider filings come from SEC EDGAR — US companies only, so there's none for IRFC.BO.
InvestRight readers: 0 watching
This site's own activity — not a broad measure. Sentiment, not advice.
The snowflake
checks passed on each axis- Value 0/— checks
- Future 2/4 checks
- Past 3/4 checks
- Health 2/5 checks
- Dividend 4/6 checks
What does this show?
Five quick health scores — Value, Future, Past, Health and Dividend — each 0–100%. A bigger, more even shape means a stock that scores well across the board; a spiky one is strong on some axes and weak on others.
Learn more on Investopedia →Fair value
our estimate · not analyst forecastNot enough cash-flow history to estimate a fair value for IRFC.BO yet.
What does this show?
Our estimate of what one share is worth based on the cash the business is expected to generate (a discounted-cash-flow model), next to today's price. Below fair value hints undervalued, above hints expensive — it's an estimate, not a guarantee.
Learn more on Investopedia →Health checks
19 checks run on free data- ⚠ Debt is under 40% of equity debt/equity 745%
- ⚠ Debt well covered by cash flow operating cash flow covers -6.0% of debt
- ⚠ Dividend covered by earnings and cash flow not fully covered
- ⚠ No dividend cut in recent years a cut shows in the record
- ⚠ Earnings growth beats the market 4.4%/yr vs market ~9.0%
- ⚠ Return on equity above 20% ROE 12.9%
Show all 19 checks by axis
Value 0/— passed
- – Trading below our fair-value estimate
- – P/B below industry industry P/B not on the free feed
- – P/E below industry industry P/E not on the free feed
- – P/E below peer average peer P/Es land after the next refresh
- – P/S sane vs its own history needs multi-year P/S (Tier B)
- – More than 20% below fair value
Future 2/4 passed
- ✓ Earnings trending up 4.4%/yr over 3yr
- – Growth beats the industry industry growth not on the free feed
- ⚠ Earnings growth beats the market 4.4%/yr vs market ~9.0%
- ✓ Revenue trending up 4.9%/yr over 3yr
- ⚠ Return on equity improving ROE 12.4% vs 13.8% 3yr ago
Past 3/4 passed
- ✓ Earnings grew over the period 61.7B → 70.1B
- – High-quality earnings (few one-offs) one-off detection deferred — needs statement detail
- ✓ Growth accelerating vs its average latest 7.8%/yr vs 4.4% average
- ✓ Revenue higher than five years ago 236.5B → 272.7B
- ⚠ Return on equity above 20% ROE 12.9%
Health 2/5 passed
- ✓ Debt/equity falling over time long-term debt/equity 769.1% vs 884.0%
- ⚠ Debt is under 40% of equity debt/equity 745%
- ⚠ Debt well covered by cash flow operating cash flow covers -6.0% of debt
- – Interest comfortably covered by profit
- ⚠ Short-term assets cover long-term debt 4.2T vs 4.6T
- ✓ Short-term assets cover short-term bills 4.2T vs 147.6M
Dividend 4/6 passed
- ⚠ Dividend covered by earnings and cash flow not fully covered
- ✓ Dividend growing over time over 4yr on record
- ⚠ No dividend cut in recent years a cut shows in the record
- ✓ Payout ratio under 75% payout 34.5% of earnings
- ✓ Yield beats the market yield 2.95% vs market ~1.5%
- ✓ Yield in the top quartile of payers yield 2.95% vs 2.54% cut among the 52 payers Otto tracks
What does this show?
Pass/fail rules on the company's finances — debt levels, profitability, cash cover and so on. More greens means a sturdier balance sheet; an n/a just means we didn't have that data point.
Learn more on Investopedia →Past performance
recent history from Yahoo FinanceRevenue
Earnings
Free cash flow
dashed line = what it'd look like growing at our ~9% market-average benchmark, for comparison
Deeper 10-yr statements are US-only for now — Otto's showing IRFC.BO's Yahoo figures instead.
What does this show?
How revenue, earnings and free cash flow have grown over the years. Bars rising left-to-right show a growing business; the dashed line is a market-average pace for comparison.
Learn more on Investopedia →Future
trend, not analyst forecastRevenue · extended at 4.9%/yr
Earnings · extended at 4.4%/yr
Dashed bars just extend the historical trend (capped at ±15%/yr) — the same growth our DCF uses. It's arithmetic on the past, not an analyst forecast; real futures bend.
What does this show?
Solid bars are history; dashed bars simply extend the past growth trend a few years forward — capped so it stays sane. It's a trend line, not an analyst forecast.
Learn more on Investopedia →Dividend
from cash actually paid, not promisesTotal dividends paid · split-proof, unlike per-share history
What does this show?
The share of profit paid back to shareholders as cash. Yield is that cash as a % of the price; the payout gauge shows how much of earnings is paid out (over ~75% can be hard to sustain).
Learn more on Investopedia →Ownership & insiders
Insider-trade filings come from SEC EDGAR, which covers US companies only — there's no free equivalent for Indian filings yet, so Otto skips this one for IRFC.BO.
What does this show?
Buys and sells by the company's own directors and officers, from their SEC filings. Insiders sell for many reasons, but clusters of open-market buying can signal confidence.
Learn more on Investopedia →Spot a missing competitor? Sign in to add it — it'll show for everyone.
What does this show?
A few peers in the same business, each with its own mini snowflake, so you can see how this company stacks up rather than judging it in isolation. Anyone signed in can add a missing competitor — it shows for everyone, marked as user-added.
Learn more on Investopedia →In the news
My notes
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