Indian Railway FinanceNSE:IRFC -6.25%70 Dividend Yield % is 2.27% as of Jun. 25, 2026, which is 9% above its 10-year median of 2.08. GuruFocus rates NSE:IRFC with a GF Score™ of 70/100 and a GF Value™ of ₹127.57 (Modestly Undervalued). The stock has 9 warning signs investors should review. Among 211 Credit Services companies, Indian Railway Finance ranks worse than 69.67% on this metric.
As of today (2026-06-25), the Trailing Annual Dividend Yield of Indian Railway Finance is 2.27%.
Good Sign:
Indian Railway Finance Corp Ltd stock Dividend Yield % is close to 2-year high.
The historical rank and industry rank for Indian Railway Finance's Dividend Yield % or its related term are showing as below:
NSE:IRFC'
s Dividend Yield % Range Over the Past 10 Years
Min: 0.69 Med: 2.08 Max: 8.47
Current: 2.27
During the past 9 years, the highest Dividend Yield of Indian Railway Finance was 8.47%. The lowest was 0.69%. And the median was 2.08%.
NSE:IRFC's Dividend Yield % is ranked worse than 69.67% of 211
companies
in the Credit Services industry
Industry Median: 3.97
vs NSE:IRFC: 2.27
During the past 12 months, Indian Railway Finance's average Dividends Per Share Growth Rate was -8.70% per year.
During the past 3 years, the average Dividends Per Share Growth Rate was 13.70% per year.
During the past 5 years, the average Dividends Per Share Growth Rate was 21.40% per year.
During the past 9 years, the highest 3-Year average Dividends Per Share Growth Rate of Indian Railway Finance was 44.00% per year. The lowest was 12.60% per year. And the median was 13.70% per year.
The growth rate is calculated with least square regression.
For more information regarding to dividend, please check our Dividend Page.
* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.
Indian Railway Finance (NSE:IRFC) Dividend Yield % Explanation
Over the long term, the return from dividends has been a significant contributor to the total returns produced by equity securities. Studies by Elroy Dimson, Paul Marsh, and Mike Staunton of Princeton University (2002) found that a market-oriented portfolio, which included reinvested dividends, would have generated nearly 85 times the wealth generated by the same portfolio relying solely on capital gains.
Dividends may also qualify a lower tax rate for investors.
In dividends investing, Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.
Indian Railway Finance Dividend Yield % Related Terms
Indian Railway Finance Dividend Yield % Historical Data
* Premium members only.
The historical data trend for Indian Railway Finance's Dividend Yield % 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.
NSE:IRFC vs V, MA, AXP: Dividend Yield % Comparison
For the Credit Services subindustry, Indian Railway Finance's Dividend Yield %, along with its competitors' market caps and Dividend Yield % 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 Dividend Yield % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Indian Railway Finance's Dividend Yield % distribution charts can be found below:
* The bar in red indicates where Indian Railway Finance's Dividend Yield % falls into.
Indian Railway Finance Dividend Yield % Calculation
Dividend Yield measures how much a company pays out in dividends each year relative to its share price.
Indian Railway Finance Recent Full-Year* Dividend History
Amount
Ex-date
Record Date
Pay Date
Type
Frequency
Forex Rate
INR 1.050000
2026-03-13
2026-03-13
2026-03-24
Cash Dividend
quarterly
INR:INR 1.000000
INR 1.050000
2025-10-24
2025-10-24
2025-11-06
Cash Dividend
semi-annually
INR:INR 1.000000
* GuruFocus has an internal rule that if the most recent dividend payment frequency is at least 4 times a year, then the full year will be calculated according to the frequency of payment or the one-year time frame, whichever is stricter.
* GuruFocus converts dividend currency to local traded share price currency in order to calculate dividend yield. Please refer to the last column "Forex Rate" in the above table.
* 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 Dividend Yield % of 2.27% as of Jun. 25, 2026. Dividend yield is the ratio of company dividends to the share price. View historical data on Indian Railway Finance and its competitors. This is near median its historical median of 2.08. Over the past decade, Indian Railway Finance's Dividend Yield % has ranged from 0.69 to 8.47. According to the industry distribution chart, Indian Railway Finance ranks #147 out of 211 companies in the Credit Services industry, placing it in the top 69.7%.
Is Indian Railway Finance's Dividend Yield % too high?
Indian Railway Finance's current Dividend Yield % of 2.27% is near median its 10-year median of 2.08. Over the past 10 years, this metric has ranged from a low of 0.69 to a high of 8.47. The Credit Services industry median Dividend Yield % is 3.97. Indian Railway Finance's value of 2.27% is 42.8% below this industry median. Based on the distribution chart, Indian Railway Finance ranks #147 out of 211 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 Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Indian Railway Finance's Dividend Yield % compare to V and MA?
According to the Credit Services industry distribution chart, Indian Railway Finance ranks #147 out of 211 companies for Dividend Yield %. This places Indian Railway Finance in the lower half of its industry. The industry median Dividend Yield % is 3.97. Indian Railway Finance's value of 2.27% is 42.8% below this benchmark. Historically, Indian Railway Finance's own Dividend Yield % has ranged from 0.69 to 8.47 over the past decade. While the company's 10-year median is 2.08 vs. the industry median of 3.97, Indian Railway Finance has consistently been below 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 Dividend Yield % for a Credit Services company?
The median Dividend Yield % among Credit Services companies is 3.97, based on 211 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Yield % significantly above this median, while those in the bottom quartile fall well below. However, Dividend Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Indian Railway Finance's current Dividend Yield % of 2.27% is 42.8% below 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 Dividend Yield % mean?
A high Dividend Yield % can signal that a stock is expensive relative to its fundamentals. Dividend yield is the ratio of company dividends to the share price. View historical data on Indian Railway Finance and its competitors. For the Credit Services industry, the median Dividend Yield % is 3.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Indian Railway Finance's current Dividend Yield % is 2.27%, which is near median its own 10-year median of 2.08. 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 ₹127.57, compared to a current price of ₹92.50 — trading 27.5% below its estimated fair value. The current Dividend Yield % is 2.27%, which is near median its 10-year median of 2.08 and 42.8% below the Credit Services industry median of 3.97. 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 Dividend Yield % calculated?
Dividend Yield % is calculated from a company's financial statements. For Indian Railway Finance (NSE:IRFC), the current Dividend Yield % is 2.27% as of Jun. 25, 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 ₹92.50 is trading 27.5% below its estimated GF Value™ of ₹127.57.
GuruFocus considers Indian Railway Finance to be Modestly Undervalued.
Key valuation signals for NSE:IRFC:
Dividend Yield %: 2.27% (near median its 10-year median of 2.08)
GF Value™: ₹127.57 vs. price of ₹92.50 (27.5% below fair value)
Industry Position: 42.8% below the Credit Services median (#147 of 211)
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
Dividend Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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