* 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 FCF Margin %, along with its competitors' market caps and FCF 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 FCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Indian Railway Finance's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Indian Railway Finance's FCF 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 FCF Margin % of -216.59% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Indian Railway Finance and its competitors. According to the industry distribution chart, Indian Railway Finance ranks #434 out of 531 companies in the Credit Services industry, placing it in the top 81.7%.
Is Indian Railway Finance's FCF Margin % too high?
Indian Railway Finance's current FCF Margin % is -216.59%. Based on the distribution chart, Indian Railway Finance ranks #434 out of 531 companies in the Credit Services industry, which is in the bottom quartile relative to peers. 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 FCF Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Indian Railway Finance ranks #434 out of 531 companies for FCF Margin %. This places Indian Railway Finance in the lower half of its industry. The industry median FCF Margin % is 0.24. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Credit Services company?
The median FCF Margin % among Credit Services companies is 0.24, based on 531 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Indian Railway Finance and its competitors. For the Credit Services industry, the median FCF Margin % is 0.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Indian Railway Finance's current FCF Margin % is -216.59%. 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 FCF Margin % is -216.59%. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Indian Railway Finance (NSE:IRFC), the current FCF Margin % is -216.59% 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:
FCF Margin %: -216.59%
GF Value™: ₹127.59 vs. price of ₹91.77 (28.1% 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.
71GF Score
Get the complete analysis for NSE:IRFC
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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