In ₹ Crore except Per Share Latest Annual	IRFC FY26	PFC FY26	RECLTD FY26	HUDCO FY26	Peer Average
Valuation — at last close
P/E	13.87×	◆ 4.01×	4.74×	7.25×	5.33× +160%
P/B	1.71×	◆ 0.78×	0.91×	1.33×	1.01× +70%
Market Cap	₹97,164 Cr	₹1.04L Cr	₹77,114 Cr	₹29,250 Cr	₹70,106 Cr +39%
Growth
Revenue CAGR 3Y	4.53%	14.17%	14.71%	◆ 22.89%	17.26% -74%
Revenue CAGR 5Y	11.59%	10.01%	10.88%	◆ 12.70%	11.20% +4%
Net Income CAGR 3Y	3.42%	16.66%	13.45%	◆ 33.35%	21.15% -84%
Revenue YoY (latest Q)	23.45%	-0.04%	-1.00%	◆ 26.55%	8.50% +176%
Net Income YoY (latest Q)	10.21%	0.18%	-21.23%	◆ 35.05%	4.67% +119%
Profitability
NIM (banks)	-2.08%	◆ 3.59%	3.45%	2.82%	3.29% -163%
Net Income Margin	25.69%	29.13%	27.37%	◆ 30.68%	29.06% -12%
Return on Common Equity	12.81%	◆ 20.67%	19.96%	20.20%	20.28% -37%
Return on Assets	1.39%	◆ 2.78%	2.60%	2.73%	2.70% -49%
Credit & Quality
Total Debt/Equity	7.69×	◆ 5.84×	6.05×	6.45×	6.11× +26%
Cost/Income (banks)	◆ 2.72%	8.27%	5.97%	9.70%	7.98% -66%
Scale — latest FY
Revenue / Total Income	₹27,285 Cr	₹1.15L Cr	₹59,584 Cr	₹13,150 Cr	₹62,726 Cr -57%
Net Income	₹7,009 Cr	₹33,625 Cr	₹16,308 Cr	₹4,034 Cr	₹17,989 Cr -61%
Total Assets	₹5.17L Cr	₹12.45L Cr	₹6.40L Cr	₹1.67L Cr	₹6.84L Cr -24%
EPS	₹5.36	₹78.49	₹61.81	₹20.15	₹53.48 -90%
Book Value per Share	₹43.42	₹402.6	₹323.01	₹109.77	₹278.46 -84%

◆ best value in the comp set per metric · Δ = subject vs average of the other companies.

« ‹ › »Latest: FY26 · StandaloneFA Financial Analysis · alphave

Data & compliance. Descriptive financial information from official NSE/BSE filings — for information and education only, not investment advice, a recommendation, or a valuation. Standalone = parent entity; consolidated includes subsidiaries. Historical multiples pair each fiscal year's filed figures with that FY-end market close; the Current column uses the last close with the latest filed annuals. Figures are cross-verified via accounting identities and NSE×BSE agreement — XBRL cross-verified ✓ 95%.