Indian Railway Finance (NSE:IRFC) Cyclically Adjusted PS Ratio: (As of Jul. 25, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
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Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

NSE:IRFC Indian Railway Finance Corp Ltd NSE:IRFC
70 GF Score
Price ₹87.62
GF Value ₹128.10
Valuation Possible Value Trap
! 9 Warning Signs
View Full Analysis

What is Indian Railway Finance Cyclically Adjusted PS Ratio?

Indian Railway Finance does not have a history long enough to calculate Cyclically Adjusted Revenue per Share. Therefore GuruFocus does not calculate Cyclically Adjusted PS Ratio for this company.

Shiller PE for Stocks: The True Measure of Stock Valuation


Indian Railway Finance  (NSE:IRFC) Cyclically Adjusted PS Ratio Explanation

Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PS Ratio should give similar results to regular PS Ratio.


Indian Railway Finance Cyclically Adjusted PS Ratio Related Terms


Indian Railway Finance Cyclically Adjusted PS Ratio Historical Data

* Premium members only.

The historical data trend for Indian Railway Finance's Cyclically Adjusted PS Ratio can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Indian Railway Finance Cyclically Adjusted PS Ratio Chart

Indian Railway Finance Annual Data
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Cyclically Adjusted PS Ratio
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Indian Railway Finance Quarterly Data
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NSE:IRFC vs V, MA, AXP: Cyclically Adjusted PS Ratio Comparison

For the Credit Services subindustry, Indian Railway Finance's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Indian Railway Finance Cyclically Adjusted PS Ratio vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Indian Railway Finance's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where Indian Railway Finance's Cyclically Adjusted PS Ratio falls into.


NSE:IRFC
70GF Score
Indian Railway Finance Corp Ltd NSE:IRFC
Cyclically Adjusted PS Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Indian Railway Finance Cyclically Adjusted PS Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio.

Indian Railway Finance does not have a history long enough to calculate Cyclically Adjusted Revenue per Share. Therefore GuruFocus does not calculate Cyclically Adjusted PS Ratio for this company.

Is Indian Railway Finance (NSE:IRFC) Overvalued in 2026?

Based on GuruFocus' analysis, Indian Railway Finance stock appears to be undervalued. The current stock price of ₹87.62 is trading 31.6% below its estimated GF Value™ of ₹128.10. GuruFocus considers Indian Railway Finance to be Possible Value Trap.

Key valuation signals for NSE:IRFC:

  • Cyclically Adjusted PS Ratio:
  • GF Value™: ₹128.10 vs. price of ₹87.62 (31.6% below fair value)
  • GF Score™: 70/100 with 9 warning signs

No single metric tells the full story. See the NSE:IRFC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Indian Railway Finance Business Description

Other Exchanges 543257:India
Address Bhisham Pitamah Marg, Lodhi Road, UG Floor, East Tower, NBCC Place, Pragati Vihar, New Delhi, IND, 110003
Indian Railway Finance Corp Ltd is engaged in the business of borrowing funds from the financial markets to finance the acquisition/creation of assets, which are then leased out to the Indian Railways or any entity under the Ministry of Railways. Its only operating segment is Leasing and Finance. The company generates maximum revenue from Lease Income.
70GF Score

Get the complete analysis for NSE:IRFC

Cyclically Adjusted PS Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹87.62
Price
₹128.10
GF Value