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EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Indian Railway Finance's Enterprise Value is ₹5,444,514 Mil.
Indian Railway Finance's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 was ₹-270,398 Mil. Therefore, Indian Railway Finance's EV-to-FCF for today is -20.14.
The historical rank and industry rank for Indian Railway Finance's EV-to-FCF or its related term are showing as below:
NSE:IRFC'
s EV-to-FCF Range Over the Past 10 Years
Min: -83.71 Med: -3.92 Max: 173.46
Current: -20.42
During the past 9 years, the highest EV-to-FCF of Indian Railway Finance was 173.46. The lowest was -83.71. And the median was -3.92.
NSE:IRFC's EV-to-FCF is ranked worse than 100% of 267
companies
in the Credit Services industry
Industry Median: 13.9
vs NSE:IRFC: -20.42
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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 (NSE:IRFC) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. 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 ₹88.75.
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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
* 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Indian Railway Finance's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Indian Railway Finance's EV-to-FCF falls into.
Indian Railway Finance's current Enterprise Value is ₹5,444,514 Mil.
Indian Railway Finance's Free Cash Flow 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 ₹-270,398 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-FCF of -20.14 as of Aug. 08, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Indian Railway Finance and its competitors. According to the industry distribution chart, Indian Railway Finance ranks #999999 out of 267 companies in the Credit Services industry.
Is Indian Railway Finance's EV-to-FCF too high?
Indian Railway Finance's current EV-to-FCF is -20.14. Based on the distribution chart, Indian Railway Finance ranks #999999 out of 267 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-FCF compare to V and MA?
According to the Credit Services industry distribution chart, Indian Railway Finance ranks #999999 out of 267 companies for EV-to-FCF. This places Indian Railway Finance in the lower half of its industry. The industry median EV-to-FCF is 13.90. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Credit Services company?
The median EV-to-FCF among Credit Services companies is 13.90, based on 267 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Indian Railway Finance and its competitors. For the Credit Services industry, the median EV-to-FCF is 13.90 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Indian Railway Finance's current EV-to-FCF is -20.14. 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 ₹133.10, compared to a current price of ₹88.75 — trading 33.3% below its estimated fair value. The current EV-to-FCF is -20.14. Indian Railway Finance's overall GF Score™ is 70/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Indian Railway Finance (NSE:IRFC), the current EV-to-FCF is -20.14 as of Aug. 08, 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 ₹88.75 is trading 33.3% below its estimated GF Value™ of ₹133.10.
GuruFocus considers Indian Railway Finance to be Possible Value Trap.
Key valuation signals for NSE:IRFC:
EV-to-FCF: -20.14
GF Value™: ₹133.10 vs. price of ₹88.75 (33.3% 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.
70GF Score
Get the complete analysis for NSE:IRFC
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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