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Indian Railway FinanceNSE:IRFC -1.08%70 EV-to-EBITDA is 75.69 as of Aug. 20, 2026, which is 70% above its 10-year median of 44.62. GuruFocus rates NSE:IRFC with a GF Score™ of 70/100 and a GF Value™ of ₹133.27 (Possible Value Trap). The stock has 7 warning signs investors should review. Among 330 Credit Services companies, Indian Railway Finance ranks worse than 87.58% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, Indian Railway Finance's enterprise value is ₹5,398,774 Mil.
Indian Railway Finance's EBITDA for the trailing twelve months (TTM) ended in Jun. 2026 was ₹71,325 Mil. Therefore, Indian Railway Finance's EV-to-EBITDA for today is 75.69.
The historical rank and industry rank for Indian Railway Finance's EV-to-EBITDA or its related term are showing as below:
NSE:IRFC'
s EV-to-EBITDA Range Over the Past 10 Years
Min: 10.27 Med: 44.62 Max: 91.37
Current: 75.69
During the past 9 years, the highest EV-to-EBITDA of Indian Railway Finance was 91.37. The lowest was 10.27. And the median was 44.62.
NSE:IRFC's EV-to-EBITDA is ranked worse than 87.58% of 330
companies
in the Credit Services industry
Industry Median: 20.905
vs NSE:IRFC: 75.69
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
Indian Railway Finance (NSE:IRFC) EV-to-EBITDA Explanation
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Indian Railway Finance's PE Ratio (TTM) for today is calculated as:
Indian Railway Finance's share price for today is ₹85.18.
Indian Railway Finance's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹5.500.
* 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.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
* 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 EV-to-EBITDA, along with its competitors' market caps and EV-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 EV-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Indian Railway Finance's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Indian Railway Finance's EV-to-EBITDA falls into.
Indian Railway Finance's current Enterprise Value is ₹5,398,774 Mil.
Indian Railway Finance's EBITDA for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹71,325 Mil.
* 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 EV-to-EBITDA of 75.69 as of Aug. 20, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Indian Railway Finance. This is 70% above median its historical median of 44.62. Over the past decade, Indian Railway Finance's EV-to-EBITDA has ranged from 10.27 to 91.37. According to the industry distribution chart, Indian Railway Finance ranks #289 out of 330 companies in the Credit Services industry, placing it in the top 87.6%.
Is Indian Railway Finance's EV-to-EBITDA too high?
Indian Railway Finance's current EV-to-EBITDA of 75.69 is 70% above median its 10-year median of 44.62. Over the past 10 years, this metric has ranged from a low of 10.27 to a high of 91.37. The Credit Services industry median EV-to-EBITDA is 20.91. Indian Railway Finance's value of 75.69 is 262.1% above this industry median. Based on the distribution chart, Indian Railway Finance ranks #289 out of 330 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Indian Railway Finance has a GF Score™ of 70/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Indian Railway Finance's EV-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Indian Railway Finance ranks #289 out of 330 companies for EV-to-EBITDA. This places Indian Railway Finance in the lower half of its industry. The industry median EV-to-EBITDA is 20.91. Indian Railway Finance's value of 75.69 is 262.1% above this benchmark. Historically, Indian Railway Finance's own EV-to-EBITDA has ranged from 10.27 to 91.37 over the past decade. While the company's 10-year median is 44.62 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 EV-to-EBITDA for a Credit Services company?
The median EV-to-EBITDA among Credit Services companies is 20.91, based on 330 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Indian Railway Finance's current EV-to-EBITDA of 75.69 is 262.1% 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 EV-to-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Indian Railway Finance. For the Credit Services industry, the median EV-to-EBITDA 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 EV-to-EBITDA is 75.69, which is 70% above median its own 10-year median of 44.62. 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 ₹133.27, compared to a current price of ₹85.18 — trading 36.1% below its estimated fair value. The current EV-to-EBITDA is 75.69, which is 70% above median its 10-year median of 44.62 and 262.1% above the Credit Services industry median of 20.91. Indian Railway Finance's overall GF Score™ is 70/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For Indian Railway Finance (NSE:IRFC), the current EV-to-EBITDA is 75.69 as of Aug. 20, 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 ₹85.18 is trading 36.1% below its estimated GF Value™ of ₹133.27.
GuruFocus considers Indian Railway Finance to be Possible Value Trap.
Key valuation signals for NSE:IRFC:
EV-to-EBITDA: 75.69 (70% above median its 10-year median of 44.62)
GF Value™: ₹133.27 vs. price of ₹85.18 (36.1% below fair value)
Industry Position: 262.1% above the Credit Services median (#289 of 330)
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.
70GF Score
Get the complete analysis for NSE:IRFC
EV-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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