Indian Railway Finance (NSE:IRFC) LT-Debt-to-Total-Asset: 0.85 (As of Mar. 2026)

What is Indian Railway Finance LT-Debt-to-Total-Asset?

Indian Railway Finance NSE:IRFC -2.69% 71 LT-Debt-to-Total-Asset is 0.85 as of Mar. 2026. GuruFocus rates NSE:IRFC with a GF Score™ of 71/100 and a GF Value™ of ₹127.80 (Possible Value Trap). The stock has 9 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Indian Railway Finance's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.85.

Indian Railway Finance's long-term debt to total assets ratio increased from Mar. 2025 (0.81) to Mar. 2026 (0.85). It may suggest that Indian Railway Finance is progressively becoming more dependent on debt to grow their business.

Indian Railway Finance (NSE:IRFC) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Indian Railway Finance LT-Debt-to-Total-Asset Related Terms

Indian Railway Finance LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Indian Railway Finance's LT-Debt-to-Total-Asset 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.

Indian Railway Finance LT-Debt-to-Total-Asset Chart

Indian Railway Finance Annual Data

Trend

Mar18

Mar19

Mar20

Mar21

Mar22

Mar23

Mar24

Mar25

Mar26

LT-Debt-to-Total-Asset

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0.83

0.81

0.82

0.81

0.85

Indian Railway Finance Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.81	0.84	0.81	0.84	0.85

71GF Score

Indian Railway Finance Corp Ltd NSE:IRFC

LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.

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Indian Railway Finance LT-Debt-to-Total-Asset Calculation

Indian Railway Finance's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (A: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (A: Mar. 2026 )	/	Total Assets (A: Mar. 2026 )
	=	4364711.5	/	5166764.8
	=	0.84

Indian Railway Finance's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	4364711.5	/	5166764.8
	=	0.84

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.85 mean?

Indian Railway Finance (NSE:IRFC) has a LT-Debt-to-Total-Asset of 0.85 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Indian Railway Finance and its competitors.

Is Indian Railway Finance's LT-Debt-to-Total-Asset too high?

Indian Railway Finance's current LT-Debt-to-Total-Asset is 0.85. 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 LT-Debt-to-Total-Asset compare to V and MA?

Indian Railway Finance's LT-Debt-to-Total-Asset of 0.85 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good LT-Debt-to-Total-Asset for a Credit Services company?

A good LT-Debt-to-Total-Asset depends on the Credit Services industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Indian Railway Finance and its competitors. Indian Railway Finance's current LT-Debt-to-Total-Asset is 0.85. 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 ₹127.80, compared to a current price of ₹87.50 — trading 31.5% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.85. 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 LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Indian Railway Finance (NSE:IRFC), the current LT-Debt-to-Total-Asset is 0.85 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 ₹87.50 is trading 31.5% below its estimated GF Value™ of ₹127.80. GuruFocus considers Indian Railway Finance to be Possible Value Trap.

Key valuation signals for NSE:IRFC:

LT-Debt-to-Total-Asset: 0.85
GF Value™: ₹127.80 vs. price of ₹87.50 (31.5% below fair value)
GF Score™: 71/100 with 9 warning signs

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 Business Description

Industry Financial Services Credit Services

Comparable Companies BOM:533398 BOM:532810 BOM:532955 NSE:TATACAP NSE:CHOLAFIN BOM:533519 BOM:544429 BOM:543066 NSE:SUNDARMFIN BOM:544597 V MA AXP COF BOM:500034 PYPL AFRM SYF NSE:SHRIRAMFIN SOFI

Other Exchanges 543257:India

Address Bhisham Pitamah Marg, Lodhi Road, UG Floor, East Tower, NBCC Place, Pragati Vihar, New Delhi, IND, 110003

Website https://irfc.co.in

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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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹87.50

Price

₹127.80

GF Value

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