Indian Railway Finance Corporation profitability ratios

Profitability Growth Credit Liquidity Working capital Dividend yield DuPont CAGR

Per cent unless marked ×

Tap a line for its trend	Last 12Mto Sep 2026	FY26Mar 2026	FY25Mar 2025	FY24Mar 2024	FY23Mar 2023	FY22 and earlierAlpha Plus

Margins & efficiency
Returns						FY22 and earlierEvery year the company has filed comes with Alpha Plus.
	12.8%	12.8%	12.8%	13.6%	14.7%
	1.4%	1.4%	1.3%	1.3%	1.4%
	−2.1%	−2.1%	−2.6%	−2.3%	−2.1%
	2.7%	2.7%	2.4%	2.2%	2.3%
	0.1%	0.1%	0.0%	0.0%	0.0%
	24.5%	25.7%	24.0%	24.1%	26.5%
Leverage
	9.10×	9.10×	9.28×	9.86×	10.80×
	7.69×	7.69×	7.83×	8.38×	9.21×
Additional
	—	39.2%	46.2%	30.6%	29.5%

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From the company's filings with NSE and BSE (Ind-AS), standalone. For information only, not investment advice.

alphave

IRFC₹75.71

Indian Railway Finance Corporation Ltd.

· Banking & Finance

₹ CrorePeersPFC RECLTD HUDCO HDFCAMC TATACAP BAJAJHLDNG MUTHOOTFIN CHOLAFINMcap ₹98,942 Cr

Profitability Growth Credit Liquidity Working Capital Yield Analysis DuPont

Ratios — % unless marked × 12 Months Ending	FY23 31/03/2023	FY24 31/03/2024	FY25 31/03/2025	FY26 31/03/2026	Last 12M 30/09/2026
Returns
Return on Common Equity	14.66	13.55	12.77	12.81	12.81
Return on Assets	1.35	1.31	1.34	1.39	1.39
Margins & Efficiency
Net Interest Margin (on avg assets)	-2.10	-2.31	-2.62	-2.08	-2.08
Cost to Income	2.33	2.23	2.38	2.72	2.72
Credit Cost (impairment / avg loans)	0.00	0.00	0.01	0.06	0.06
Net Income Margin	26.52	24.06	23.95	25.69	24.47
Leverage
Leverage (Assets/Equity)	10.80	9.86	9.28	9.10	9.10
Total Debt/Equity	9.21	8.38	7.83	7.69	7.69
Additional
Dvd Payout Ratio	29.49	30.57	46.23	39.15	—

No consensus estimates → no Est columns. Click any row to chart it.

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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%.