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A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Indian Railway Finance's Debt-to-EBITDA or its related term are showing as below:
NSE:IRFC'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 15.42 Med: 28.43 Max: 61.2
Current: 61.2
During the past 9 years, the highest Debt-to-EBITDA Ratio of Indian Railway Finance was 61.20. The lowest was 15.42. And the median was 28.43.
NSE:IRFC's Debt-to-EBITDA is ranked worse than 96.14% of 285
companies
in the Credit Services industry
Industry Median: 9
vs NSE:IRFC: 61.20
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Indian Railway Finance Debt-to-EBITDA Related Terms
Indian Railway Finance Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Indian Railway Finance's Debt-to-EBITDA 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.
For the Credit Services subindustry, Indian Railway Finance's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Indian Railway Finance's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Indian Railway Finance's Debt-to-EBITDA falls into.
* 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Jun. 2026) EBITDA data.
Indian Railway Finance (NSE:IRFC) has a Debt-to-EBITDA of 0.00 as of Jun. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Indian Railway Finance. Over the past decade, Indian Railway Finance's Debt-to-EBITDA has ranged from 15.42 to 61.20. According to the industry distribution chart, Indian Railway Finance ranks #274 out of 285 companies in the Credit Services industry, placing it in the top 96.1%.
Is Indian Railway Finance's Debt-to-EBITDA too high?
Indian Railway Finance's current Debt-to-EBITDA is 0.00. Over the past 10 years, this metric has ranged from a low of 15.42 to a high of 61.20. Based on the distribution chart, Indian Railway Finance ranks #274 out of 285 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Indian Railway Finance has a GF Score™ of 72/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Indian Railway Finance's Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Indian Railway Finance ranks #274 out of 285 companies for Debt-to-EBITDA. This places Indian Railway Finance in the lower half of its industry. The industry median Debt-to-EBITDA is 9.00. Historically, Indian Railway Finance's own Debt-to-EBITDA has ranged from 15.42 to 61.20 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for a Credit Services company?
The median Debt-to-EBITDA among Credit Services companies is 9.00, based on 285 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Indian Railway Finance. For the Credit Services industry, the median Debt-to-EBITDA is 9.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Indian Railway Finance's current Debt-to-EBITDA is 0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Indian Railway Finance stock overvalued right now?
Based on GuruFocus' analysis, Indian Railway Finance (NSE:IRFC) is currently considered Possible Value Trap. The stock's GF Value™ is ₹132.97, compared to a current price of ₹87.91 — trading 33.9% below its estimated fair value. The current Debt-to-EBITDA is 0.00. Indian Railway Finance's overall GF Score™ is 72/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Indian Railway Finance (NSE:IRFC), the current Debt-to-EBITDA is 0.00 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
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 ₹87.91 is trading 33.9% below its estimated GF Value™ of ₹132.97.
GuruFocus considers Indian Railway Finance to be Possible Value Trap.
Key valuation signals for NSE:IRFC:
Debt-to-EBITDA: 0.00
GF Value™: ₹132.97 vs. price of ₹87.91 (33.9% below fair value)
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 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.
72GF Score
Get the complete analysis for NSE:IRFC
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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