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Indian Railway FinanceNSE:IRFC +2.76%71 3-Year EBITDA Growth Rate is 16.00% as of Jun. 2026, which is 92% above its 10-year median of 8.35. GuruFocus rates NSE:IRFC with a GF Score™ of 71/100 and a GF Value™ of ₹134.55 (Possible Value Trap). The stock has 7 warning signs investors should review. Among 333 Credit Services companies, Indian Railway Finance ranks better than 56.76% on this metric.
During the past 12 months, Indian Railway Finance's average EBITDA Per Share Growth Rate was 6.60% per year.
During the past 3 years, the average EBITDA Per Share Growth Rate was 16.00% per year.
During the past 5 years, the average EBITDA Per Share Growth Rate was 9.00% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
During the past 10 years, the highest 3-Year average EBITDA Per Share Growth Rate of Indian Railway Finance was 16.00% per year. The lowest was 2.60% per year. And the median was 8.35% per year.
Indian Railway Finance (NSE:IRFC) 3-Year EBITDA Growth Rate Explanation
EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.
Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.
Indian Railway Finance 3-Year EBITDA Growth Rate Related Terms
NSE:IRFC vs V, MA, AXP: 3-Year EBITDA Growth Rate Comparison
For the Credit Services subindustry, Indian Railway Finance's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-Year EBITDA Growth Rate 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 3-Year EBITDA Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Indian Railway Finance's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where Indian Railway Finance's 3-Year EBITDA Growth Rate falls into.
Indian Railway Finance 3-Year EBITDA Growth Rate Calculation
This is the 3-year average growth rate of EBITDA per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
What does a 3-Year EBITDA Growth Rate of 16.00% mean?
Indian Railway Finance (NSE:IRFC) has a 3-Year EBITDA Growth Rate of 16.00% as of Jun. 2026. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Indian Railway Finance and its competitors. This is 92% above median its historical median of 8.35. Over the past decade, Indian Railway Finance's 3-Year EBITDA Growth Rate has ranged from 2.60 to 16.00. According to the industry distribution chart, Indian Railway Finance ranks #144 out of 333 companies in the Credit Services industry, placing it in the top 43.2%.
Is Indian Railway Finance's 3-Year EBITDA Growth Rate too high?
Indian Railway Finance's current 3-Year EBITDA Growth Rate of 16.00% is 92% above median its 10-year median of 8.35. Over the past 10 years, this metric has ranged from a low of 2.60 to a high of 16.00. The Credit Services industry median 3-Year EBITDA Growth Rate is 11.80. Indian Railway Finance's value of 16.00% is 35.6% above this industry median. Based on the distribution chart, Indian Railway Finance ranks #144 out of 333 companies in the Credit Services industry, which is above the industry midpoint. Overall, Indian Railway Finance has a GF Score™ of 71/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Indian Railway Finance's 3-Year EBITDA Growth Rate compare to V and MA?
According to the Credit Services industry distribution chart, Indian Railway Finance ranks #144 out of 333 companies for 3-Year EBITDA Growth Rate. This puts Indian Railway Finance in the upper half of its industry. The industry median 3-Year EBITDA Growth Rate is 11.80. Indian Railway Finance's value of 16.00% is 35.6% above this benchmark. Historically, Indian Railway Finance's own 3-Year EBITDA Growth Rate has ranged from 2.60 to 16.00 over the past decade. While the company's 10-year median is 8.35 vs. the industry median of 11.80, Indian Railway Finance has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EBITDA Growth Rate for a Credit Services company?
The median 3-Year EBITDA Growth Rate among Credit Services companies is 11.80, based on 333 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Indian Railway Finance's current 3-Year EBITDA Growth Rate of 16.00% is 35.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Indian Railway Finance and its competitors. For the Credit Services industry, the median 3-Year EBITDA Growth Rate is 11.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Indian Railway Finance's current 3-Year EBITDA Growth Rate is 16.00%, which is 92% above median its own 10-year median of 8.35. 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 ₹134.55, compared to a current price of ₹81.50 — trading 39.4% below its estimated fair value. The current 3-Year EBITDA Growth Rate is 16.00%, which is 92% above median its 10-year median of 8.35 and 35.6% above the Credit Services industry median of 11.80. Indian Railway Finance's overall GF Score™ is 71/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For Indian Railway Finance (NSE:IRFC), the current 3-Year EBITDA Growth Rate is 16.00% 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 ₹81.50 is trading 39.4% below its estimated GF Value™ of ₹134.55.
GuruFocus considers Indian Railway Finance to be Possible Value Trap.
Key valuation signals for NSE:IRFC:
3-Year EBITDA Growth Rate: 16.00% (92% above median its 10-year median of 8.35)
GF Value™: ₹134.55 vs. price of ₹81.50 (39.4% below fair value)
Industry Position: 35.6% above the Credit Services median (#144 of 333)
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.
71GF Score
Get the complete analysis for NSE:IRFC
3-Year EBITDA Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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