Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
3-1 Month Momentum % is the total return of the stock from 3-month ago to 1-month ago. As of today (2026-09-02), Indian Railway Finance's 3-1 Month Momentum % is -7.40%.
The industry rank for Indian Railway Finance's 3-1 Month Momentum % or its related term are showing as below:
NSE:IRFC's 3-1 Month Momentum % is ranked worse than 73.2% of 556
companies
in the Credit Services industry
Industry Median: 0.555
vs NSE:IRFC: -7.40
Indian Railway Finance (NSE:IRFC) 3-1 Month Momentum % Explanation
Momentum investing is a trading strategy in which investors buy securities that are rising and sell before the prices start to go back down. The 3-1 Month Momentum % measures the total return to a stock over the past three months, but ignores the previous month.
The reason why the most recent month’s return dropped related to the short-term reversal effect associated with momentum. There is an academic finding that short-term momentum actually has a reversal effect, whereby the previous winners (measured over the past months) do poorly the next month, while the previous losers do well the next month. In order to eliminate the short-term reversal effect, the previous month return was not included in this calculation.
Indian Railway Finance 3-1 Month Momentum % Related Terms
NSE:IRFC vs V, MA, AXP: 3-1 Month Momentum % Comparison
For the Credit Services subindustry, Indian Railway Finance's 3-1 Month Momentum %, along with its competitors' market caps and 3-1 Month Momentum % 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 3-1 Month Momentum % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Indian Railway Finance's 3-1 Month Momentum % distribution charts can be found below:
* The bar in red indicates where Indian Railway Finance's 3-1 Month Momentum % falls into.
Indian Railway Finance (NSE:IRFC) 3-1 Month Momentum % Calculation
3-1 Month Momentum % is calculated as following:
3-1 Month Momentum %
=
( Price 1-month ago
/
Price 3-month ago
- 1 )
*
100 %
* 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 3-1 Month Momentum % of -7.40% as of Sep. 02, 2026. 3-1 Month Momentum measures the total return of the stock from 3-month ago to 1-month ago. View historical data on Indian Railway Finance and its competitors. According to the industry distribution chart, Indian Railway Finance ranks #407 out of 556 companies in the Credit Services industry, placing it in the top 73.2%.
Is Indian Railway Finance's 3-1 Month Momentum % too high?
Indian Railway Finance's current 3-1 Month Momentum % is -7.40%. Based on the distribution chart, Indian Railway Finance ranks #407 out of 556 companies in the Credit Services industry, which is below the industry midpoint. 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 3-1 Month Momentum % compare to V and MA?
According to the Credit Services industry distribution chart, Indian Railway Finance ranks #407 out of 556 companies for 3-1 Month Momentum %. This places Indian Railway Finance in the lower half of its industry. The industry median 3-1 Month Momentum % is 0.56. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-1 Month Momentum % for a Credit Services company?
The median 3-1 Month Momentum % among Credit Services companies is 0.56, based on 556 companies in the industry. Companies in the top quartile (top 25%) have a 3-1 Month Momentum % significantly above this median, while those in the bottom quartile fall well below. However, 3-1 Month Momentum % 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 3-1 Month Momentum % mean?
A high 3-1 Month Momentum % can signal that a stock is expensive relative to its fundamentals. 3-1 Month Momentum measures the total return of the stock from 3-month ago to 1-month ago. View historical data on Indian Railway Finance and its competitors. For the Credit Services industry, the median 3-1 Month Momentum % is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Indian Railway Finance's current 3-1 Month Momentum % is -7.40%. 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 ₹133.49, compared to a current price of ₹82.50 — trading 38.2% below its estimated fair value. The current 3-1 Month Momentum % is -7.40%. 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 3-1 Month Momentum % calculated?
3-1 Month Momentum % is calculated from a company's financial statements. For Indian Railway Finance (NSE:IRFC), the current 3-1 Month Momentum % is -7.40% as of Sep. 02, 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 ₹82.50 is trading 38.2% below its estimated GF Value™ of ₹133.49.
GuruFocus considers Indian Railway Finance to be Possible Value Trap.
Key valuation signals for NSE:IRFC:
3-1 Month Momentum %: -7.40%
GF Value™: ₹133.49 vs. price of ₹82.50 (38.2% 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
3-1 Month Momentum % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
NSE:IRFC has been successfully added to your 
