Indian Railway FinanceNSE:IRFC -0.79%71 EBITDA Margin % is 23.83% as of Mar. 2026, which is 58% below its 10-year median of 57.02. GuruFocus rates NSE:IRFC with a GF Score™ of 71/100 and a GF Value™ of ₹127.59 (Modestly Undervalued). The stock has 9 warning signs investors should review. Among 414 Credit Services companies, Indian Railway Finance ranks better than 56.04% on this metric.
Indian Railway Finance (NSE:IRFC) EBITDA Margin % Explanation
EBITDA Margin % is the ratio of EBITDA divided by net sales or Revenue. It is an performance metric measuring company's operating profitability. EBITDA Margin takes depreciation and amortization, interest expense and tax into account, which makes it easy to compare the relative profitability of companies of different sizes in the same industry.
Indian Railway Finance EBITDA Margin % Related Terms
Indian Railway Finance EBITDA Margin % Historical Data
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The historical data trend for Indian Railway Finance's EBITDA Margin % 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.
NSE:IRFC vs V, MA, AXP: EBITDA Margin % Comparison
For the Credit Services subindustry, Indian Railway Finance's EBITDA Margin %, along with its competitors' market caps and EBITDA Margin % 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 EBITDA Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Indian Railway Finance's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where Indian Railway Finance's EBITDA Margin % 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.
Indian Railway Finance (NSE:IRFC) has a EBITDA Margin % of 23.83% as of Mar. 2026. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Indian Railway Finance and its competitors. This is 58% below median its historical median of 57.02. Over the past decade, Indian Railway Finance's EBITDA Margin % has ranged from 23.96 to 94.40. According to the industry distribution chart, Indian Railway Finance ranks #182 out of 414 companies in the Credit Services industry, placing it in the top 44%.
Is Indian Railway Finance's EBITDA Margin % too high?
Indian Railway Finance's current EBITDA Margin % of 23.83% is 58% below median its 10-year median of 57.02. Over the past 10 years, this metric has ranged from a low of 23.96 to a high of 94.40. The Credit Services industry median EBITDA Margin % is 20.91. Indian Railway Finance's value of 23.83% is 14% above this industry median. Based on the distribution chart, Indian Railway Finance ranks #182 out of 414 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 Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Indian Railway Finance's EBITDA Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Indian Railway Finance ranks #182 out of 414 companies for EBITDA Margin %. This puts Indian Railway Finance in the upper half of its industry. The industry median EBITDA Margin % is 20.91. Indian Railway Finance's value of 23.83% is 14% above this benchmark. Historically, Indian Railway Finance's own EBITDA Margin % has ranged from 23.96 to 94.40 over the past decade. While the company's 10-year median is 57.02 vs. the industry median of 20.91, 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 EBITDA Margin % for a Credit Services company?
The median EBITDA Margin % among Credit Services companies is 20.91, based on 414 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA Margin % significantly above this median, while those in the bottom quartile fall well below. However, EBITDA Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Indian Railway Finance's current EBITDA Margin % of 23.83% is 14% 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 EBITDA Margin % mean?
A high EBITDA Margin % can signal that a stock is expensive relative to its fundamentals. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Indian Railway Finance and its competitors. For the Credit Services industry, the median EBITDA Margin % is 20.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Indian Railway Finance's current EBITDA Margin % is 23.83%, which is 58% below median its own 10-year median of 57.02. 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 Modestly Undervalued. The stock's GF Value™ is ₹127.59, compared to a current price of ₹91.77 — trading 28.1% below its estimated fair value. The current EBITDA Margin % is 23.83%, which is 58% below median its 10-year median of 57.02 and 14% above the Credit Services industry median of 20.91. Indian Railway Finance's overall GF Score™ is 71/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBITDA Margin % calculated?
EBITDA Margin % is calculated from a company's financial statements. For Indian Railway Finance (NSE:IRFC), the current EBITDA Margin % is 23.83% as of Mar. 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 ₹91.77 is trading 28.1% below its estimated GF Value™ of ₹127.59.
GuruFocus considers Indian Railway Finance to be Modestly Undervalued.
Key valuation signals for NSE:IRFC:
EBITDA Margin %: 23.83% (58% below median its 10-year median of 57.02)
GF Value™: ₹127.59 vs. price of ₹91.77 (28.1% below fair value)
Industry Position: 14% above the Credit Services median (#182 of 414)
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
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EBITDA Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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