Indian Railway FinanceNSE:IRFC -1.26%70 Quick Ratio is 28,526.05 as of Mar. 2026, which is 4075050% above its 10-year median of 0.70. GuruFocus rates NSE:IRFC with a GF Score™ of 70/100 and a GF Value™ of ₹127.60 (Modestly Undervalued). The stock has 9 warning signs investors should review. Among 394 Credit Services companies, Indian Railway Finance ranks better than 99.49% on this metric.
Indian Railway Finance has a quick ratio of 28,526.05. It generally indicates good short-term financial strength.
The historical rank and industry rank for Indian Railway Finance's Quick Ratio or its related term are showing as below:
NSE:IRFC'
s Quick Ratio Range Over the Past 10 Years
Min: 0.46 Med: 0.7 Max: 28526.05
Current: 28526.05
During the past 9 years, Indian Railway Finance's highest Quick Ratio was 28526.05. The lowest was 0.46. And the median was 0.70.
NSE:IRFC's Quick Ratio is ranked better than 99.49% of 394
companies
in the Credit Services industry
Industry Median: 4.855
vs NSE:IRFC: 28526.05
Indian Railway Finance (NSE:IRFC) Quick Ratio Explanation
The quick ratio is more conservative than the Current Ratio because it excludes inventories from current assets. The ratio derives its name presumably from the fact that assets such as cash and marketable securities are quick sources of cash. Inventories generally take time to be converted into cash, and if they have to be sold quickly, the company may have to accept a lower price than book value of these inventories. As a result, they are justifiably excluded from assets that are ready sources of immediate cash.
In general, low or decreasing quick ratios generally suggest that a company is over-leveraged, struggling to maintain or grow sales, paying bills too quickly or collecting receivables too slowly. On the other hand, a high or increasing quick ratio generally indicates that a company is experiencing solid top-line growth, quickly converting receivables into cash, and easily able to cover its financial obligations. Such companies often have faster inventory turnover and cash conversion cycles.
The higher the quick ratio, the better the company's liquidity position.
Indian Railway Finance Quick Ratio Related Terms
Indian Railway Finance Quick Ratio Historical Data
* 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 Quick Ratio, along with its competitors' market caps and Quick 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 Quick Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Indian Railway Finance's Quick Ratio distribution charts can be found below:
* The bar in red indicates where Indian Railway Finance's Quick Ratio falls into.
The quick ratio measures a company's ability to meet its short-term obligations with its most liquid assets. For this reason, the ratio excludes inventories from current assets.
Indian Railway Finance's Quick Ratio for the fiscal year that ended in Mar. 2026 is calculated as
* 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 Quick Ratio of 28,526.05 as of Mar. 2026. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Indian Railway Finance and its competitors. This is 4075050% above median its historical median of 0.70. Over the past decade, Indian Railway Finance's Quick Ratio has ranged from 0.46 to 28,526.05. According to the industry distribution chart, Indian Railway Finance ranks #2 out of 394 companies in the Credit Services industry, placing it in the top 0.5%.
Is Indian Railway Finance's Quick Ratio too high?
Indian Railway Finance's current Quick Ratio of 28,526.05 is 4075050% above median its 10-year median of 0.70. Over the past 10 years, this metric has ranged from a low of 0.46 to a high of 28,526.05. The Credit Services industry median Quick Ratio is 4.86. Indian Railway Finance's value of 28,526.05 is 587460.2% above this industry median. Based on the distribution chart, Indian Railway Finance ranks #2 out of 394 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Indian Railway Finance has a GF Score™ of 70/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Indian Railway Finance's Quick Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Indian Railway Finance ranks #2 out of 394 companies for Quick Ratio. This places Indian Railway Finance in the top 1% of its industry — outperforming the majority of peers. The industry median Quick Ratio is 4.86. Indian Railway Finance's value of 28,526.05 is 587460.2% above this benchmark. Historically, Indian Railway Finance's own Quick Ratio has ranged from 0.46 to 28,526.05 over the past decade. While the company's 10-year median is 0.70 vs. the industry median of 4.86, Indian Railway Finance has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Quick Ratio for a Credit Services company?
The median Quick Ratio among Credit Services companies is 4.86, based on 394 companies in the industry. Companies in the top quartile (top 25%) have a Quick Ratio significantly above this median, while those in the bottom quartile fall well below. However, Quick Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Indian Railway Finance's current Quick Ratio of 28,526.05 is 587460.2% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Quick Ratio mean?
A high Quick Ratio can signal that a stock is expensive relative to its fundamentals. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Indian Railway Finance and its competitors. For the Credit Services industry, the median Quick Ratio is 4.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Indian Railway Finance's current Quick Ratio is 28,526.05, which is 4075050% above median its own 10-year median of 0.70. 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 ₹127.60, compared to a current price of ₹90.61 — trading 29% below its estimated fair value. The current Quick Ratio is 28,526.05, which is 4075050% above median its 10-year median of 0.70 and 587460.2% above the Credit Services industry median of 4.86. 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 Quick Ratio calculated?
Quick Ratio is calculated from a company's financial statements. For Indian Railway Finance (NSE:IRFC), the current Quick Ratio is 28,526.05 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 ₹90.61 is trading 29% below its estimated GF Value™ of ₹127.60.
GuruFocus considers Indian Railway Finance to be Modestly Undervalued.
Key valuation signals for NSE:IRFC:
Quick Ratio: 28,526.05 (4075050% above median its 10-year median of 0.70)
GF Value™: ₹127.60 vs. price of ₹90.61 (29% below fair value)
Industry Position: 587460.2% above the Credit Services median (#2 of 394)
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
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