IRFC Surges 4% to ₹136.02 on Strong Q1FY26 Earnings

Mumbai, July 23, 2025 – Indian Railway Finance Corporation Ltd (NSE: IRFC) gained 4.01% to ₹136.02. The surge was supported by its strongest-ever quarterly results and record earnings across key metrics. The market responded to the company’s robust financial momentum and continued operational efficiency.

Growth in lease income, strong lending spreads, and zero NPAs helped lift profitability, while tight cost control and improved net interest margin reinforced financial stability. The quarter also marked IRFC’s first full period under its new Navratna status, expanding operational flexibility.

As of 01:39 PM, the shares of IRFC were trading at ₹134.42, up by 2.79%.

Driving the Momentum

The buying spree follows IRFC’s announcement of its highest-ever quarterly PAT at ₹1,745.69 crore in Q1FY26, marking a 10.71% YoY growth, alongside revenue from operations of ₹6,915.38 crore. The company’s debt-to-equity ratio improved to 7.44x, and it continues to maintain a clean loan book with zero NPAs. The net worth rose to ₹54,423.96 crore, and book value per share is now estimated at ₹41.65, suggesting strong underlying fundamentals. The stock currently trades at a P/E of 27.01.

Technical View

IRFC remains well below its 52-week high of ₹209.20 (July 2024) but has rebounded sharply from the 52-week low of ₹108.04 (March 2025). The upper price band stands at ₹143.84, which may act as the next resistance level.

About IRFC

Indian Railway Finance Corporation Ltd is a listed Navratna CPSE and the dedicated financing arm of Indian Railways. It provides market borrowings for railway infrastructure and rolling stock, and is part of the NIFTY Next 50 index. Known for its capital efficiency, the company has delivered consistent financial strength, zero NPAs, and lowest overheads in its segment.

REF: https://www.bseindia.com/xml-data/corpfiling/AttachLive/4d62c4af-28e9-4ddd-bb36-91e1335a469d.pdf

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