Indian Railway Finance (NSE:IRFC) PEG Ratio: N/A (As of Jul. 27, 2026)

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Director of Data and Quant Analytics at GuruFocus
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.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

NSE:IRFC Indian Railway Finance Corp Ltd NSE:IRFC
70 GF Score
Price ₹87.62
GF Value ₹128.10
Valuation Possible Value Trap
! 9 Warning Signs
View Full Analysis

What is Indian Railway Finance PEG Ratio?

PE Ratio without NRI / 5-Year EBITDA Growth Rate*

PEG Ratio is defined as the PE Ratio without NRI divided by the growth ratio. The growth rate we use is the 5-Year EBITDA growth rate. As of today, Indian Railway Finance's PE Ratio without NRI is 16.03. Indian Railway Finance's 5-Year EBITDA growth rate is -10.70%. Therefore, Indian Railway Finance's PEG Ratio for today is N/A.

* The 5-Year EBITDA Growth Rate is the 5-year average EBITDA per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.


The historical rank and industry rank for Indian Railway Finance's PEG Ratio or its related term are showing as below:


During the past 9 years, Indian Railway Finance's highest PEG Ratio was 2.65. The lowest was 0.84. And the median was 1.02.


NSE:IRFC's PEG Ratio is not ranked *
in the Credit Services industry.
Industry Median: 0.93
* Ranked among companies with meaningful PEG Ratio only.

Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.


Indian Railway Finance  (NSE:IRFC) PEG Ratio Explanation

To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.


Indian Railway Finance PEG Ratio Related Terms


Indian Railway Finance PEG Ratio Historical Data

* Premium members only.

The historical data trend for Indian Railway Finance's PEG Ratio 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 PEG Ratio Chart

Indian Railway Finance Annual Data
Trend Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
PEG Ratio
Get a 7-Day Free Trial Premium Member Only 0.00 0.84 0.00 0.00 0.00

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
PEG Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 1.07 2.46 0.00 0.00

NSE:IRFC vs V, MA, AXP: PEG Ratio Comparison

For the Credit Services subindustry, Indian Railway Finance's PEG Ratio, along with its competitors' market caps and PEG Ratio 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 PEG Ratio vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Indian Railway Finance's PEG Ratio distribution charts can be found below:

* The bar in red indicates where Indian Railway Finance's PEG Ratio falls into.


NSE:IRFC
70GF Score
Indian Railway Finance Corp Ltd NSE:IRFC
PEG Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Indian Railway Finance PEG Ratio Calculation

PEG Ratio is defined as the PE Ratio without NRI divided by the growth ratio. The ratio we use is the 5-Year EBITDA growth rate.

Indian Railway Finance's PEG Ratio for today is calculated as

PEG Ratio=PE Ratio without NRI/5-Year EBITDA Growth Rate*
=16.032936870997/-10.70
=N/A

* 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.

* Note: The 5-Year EBITDA Growth Rate is the 5-year average EBITDA per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.

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 ₹87.62 is trading 31.6% below its estimated GF Value™ of ₹128.10. GuruFocus considers Indian Railway Finance to be Possible Value Trap.

Key valuation signals for NSE:IRFC:

  • PEG Ratio: N/A
  • GF Value™: ₹128.10 vs. price of ₹87.62 (31.6% below fair value)
  • GF Score™: 70/100 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

Other Exchanges 543257:India
Address Bhisham Pitamah Marg, Lodhi Road, UG Floor, East Tower, NBCC Place, Pragati Vihar, New Delhi, IND, 110003
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

PEG Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹87.62
Price
₹128.10
GF Value