ALFA Finder| Margins | Targeting 10 bps NIM growth annually; shift to higher-yielding assets. |
|---|---|
| Order book | Agreements signed worth >INR 75,000 crores in previous FY. |
| Demand visibility | Strong pipeline from high-speed rail and dedicated freight corridors (INR 20L Cr). |
| Management confidence | High; citing 'pristine balance sheet' and lowest borrowing rates in India. |
Growth
FY26 disbursement reached INR 35,000 crores against a target of 30,000 crores. Management expects FY27 disbursements to surpass last year.
Outlook
AUM target of INR 5 lakh crore by FY27 end. NIM projected to reach 1.65% in FY27 and 2% by 2030.
Risks
Q1 typically exhibits seasonal sluggishness in disbursements; long gestation periods for greenfield projects (3-5 years) cause lag in execution.
Last quarter's promises, checked
Delivered
- Sanction target INR 60,000 Cr → delivered ~INR 74,000 Cr (= BEAT)
- Disbursement target INR 30,000 Cr → delivered ~INR 35,000 Cr (= BEAT)
- PAT target >INR 7,000 Cr → delivered >INR 7,000 Cr (= BEAT)
Partly delivered
- Profit growth target double-digit → delivered ~8% (= PARTIAL)
Investor Presentation filed with NSE, NSE: IRFC. Summary written with AI assistance from the document.
Indian Railway Finance Corporation Ltd: key numbers
- Share price
- ₹86.64
- Market cap
- ₹1,13,226 Cr
- Revenue (annual)
- ₹27,284 Cr
- Net profit (annual)
- ₹7,009 Cr
- P/E (TTM)
- 15.4×Sector 20.8×
- Promoter holding
- 82.90%+0.00% QoQ
- FII holding
- 1.15%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
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