INDIAN RAILWAY FIN CORP L Valuation

IRFC · Financial Services · Current price ₹82.46

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DocStoX fair value
₹71
low confidence
Current price
₹82
Upside
-13.4%
P/E ratio
15.4x
P/B ratio
1.9x
Verdict
Fairly Valued
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Is INDIAN RAILWAY FIN CORP L undervalued?

DocStoX estimates the fair value of INDIAN RAILWAY FIN CORP L at ₹71 per share, versus the current market price of ₹82. That puts the stock about -13.4% above our fair-value estimate, which we read as "Fairly Valued". Our confidence in this estimate is low.

How this fair value is calculated

This estimate blends 3 independent methods: Excess-return (book value) (₹43), Relative P/E (₹156), Analyst target (₹60). We weight each by its reliability and skip any method whose inputs look untrustworthy — "no DCF beats a wrong DCF". This is the same deterministic engine that powers DocStoX stock pages; there is no guesswork or AI-generated number here.

Bear, base and bull scenarios

Our scenarios span ₹43 (bear) to ₹71 (base) to ₹156 (bull). A margin of safety means buying meaningfully below the base case — the wider the gap, the more room for error in the assumptions.

Valuation multiples

INDIAN RAILWAY FIN CORP L trades at a P/E of 15.4x and a P/B of 1.9x, with a dividend yield of 2.5%. Multiples are most useful compared against the company's own history and its sector peers — see the peer comparison for context.

Understand the ratios

P/E RatioP/B RatioPEG RatioEarnings Yield

More on INDIAN RAILWAY FIN CORP L

Fair ValueIntrinsic ValueDCFFinancial RatiosPeers

DocStoX estimates are generated by a deterministic valuation engine from reported financials — for informational purposes only, not investment advice. Consult a SEBI-registered advisor before investing.