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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
History
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
Indian Railway Finance Corporation Limited is an India-based company, which is engaged in mobilizing funds from domestic and international markets for supporting infrastructure development of Indian Railways. The Company's main business is to provide leasing and financing to…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A decent, slow-growing business, trading cheap versus its own history — carrying meaningful debt.
IRFC is scored on the nbfc / financials framework. It keeps a fat 25.7% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 5%/yr and profit at 4%/yr. Book value has grown 8%/yr. Return on equity is a healthy 12.2%. In the latest quarter profit grew 2% versus the prior quarter.
At 15× earnings, the stock sits at the 15th percentile of its own 3.6-year range — the cheap end of where it has historically traded. Today's price implies ~4%/yr earnings growth for a decade. The books come through clean — a forensic grade of A.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 14.27 | 26.63 | better |
| P/B | 1.74 | 1.5 | worse |
| EV/EBITDA | 16.82 | — | — |
| ROE | 12.17 | 8.89 | better |
| ROCE | 6.04 | 7.07 | worse |
| ROA | 1.4 | — | — |
| Quick Ratio | 20.49 | 3.59 | better |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| Bajaj Finance | 30.6 | 5.5 | 17.6% |
| Bajaj Finserv | 13.6 | 3.5 | 12.7% |
| Shriram Finance | 17.8 | 2.0 | 11.4% |
Not applicable for this sector.
Revenue is on a 2-year growth streak. 5% CAGR — growing but slowly.
Net profit has risen every year — the hallmark of a compounder.
Operating margins have been stable around 26% — no major structural shift.
ROE at 12% — a respectable return on shareholder capital. Low variance across years — a predictable business that earns steadily on its equity base.
EPS has grown every year — each share earns more than the last, consistently. 4% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
2 of 4 years had negative operating cash flow — profitability on paper may not translate to cash.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue broadly flat QoQ — stable but not accelerating. Run-rate stepping up — recent quarters average 15% above earlier ones.
Quarterly margins are compressing (27% → 25%) — more revenue isn't translating to proportionally more profit.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.6y median.
Promoters hold 82.9% — heavily owner-operated with strong skin in the game. Promoters reduced 3.5pp over 4 quarters — watch whether this is planned divestment or pledge invocations.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.