IRFC Intrinsic Value
IRFC intrinsic value. IRFC (IRFC) median intrinsic value is ₹56.20 from 10 valuation models (range ₹23–₹109), vs current price ₹76.50 — -26.5% downside (Trading Above Calculated Value), margin of safety -36.1%. For current market price and key ratios, visit IRFC stock price BSE.
IRFC Valuation Methods Summary — DCF, Graham Number & P/E
IRFC intrinsic value across 10 models vs current price ₹76.50 — upside/downside and value range per method. Compare with IRFC fair value to assess whether the stock is under or overvalued.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹66.00 | ₹52.80 - ₹79.20 | -13.7% | EPS: ₹5.50, Sector P/E: 12x |
| Book Value Method | asset | ₹34.74 | ₹31.27 - ₹38.21 | -54.6% | Book Value/Share: ₹43.42, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹22.95 | ₹20.66 - ₹25.25 | -70.0% | Revenue/Share: ₹22.05, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹109.03 | ₹98.13 - ₹119.93 | +42.5% | EBITDA: ₹28499.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹56.20 | ₹44.96 - ₹67.44 | -26.5% | CF Growth: 4.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹22.95 | ₹20.66 - ₹25.25 | -70.0% | EPS Growth: 3.9%, Fair P/E: 3.1x |
| Growth Adjusted P/E | growth | ₹45.09 | ₹40.58 - ₹49.60 | -41.1% | Revenue Growth: 4.9%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹66.03 | ₹59.43 - ₹72.63 | -13.7% | ROE: 12.7%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹73.30 | ₹65.97 - ₹80.63 | -4.2% | EPS: ₹5.50, BVPS: ₹43.42 |
| Dividend Yield Method | dividend | ₹52.50 | ₹47.25 - ₹57.75 | -31.4% | DPS: ₹2.10, Target Yield: 4.0% |
IRFC Intrinsic Value vs Market Price — All Valuation Models
IRFC fair value range ₹23–₹109 vs current market price ₹76.50 across 10 valuation models. Read IRFC dividend yield for the complete payout history and dividend yield track record.
IRFC Intrinsic Value Analysis — Undervalued or Overvalued?
IRFC median intrinsic value ₹56.20, current price ₹76.50 — Trading Above Calculated Value by 26.5%, margin of safety -36.1%.
What is the intrinsic value of IRFC?
Based on our comprehensive analysis using 10 different valuation methods, the estimated intrinsic value of IRFC (IRFC) is ₹56.20 (median value). With the current market price of ₹76.50, this represents a -26.5% variance from our estimated fair value.
The valuation range spans from ₹22.95 to ₹109.03, indicating ₹22.95 - ₹109.03.
Is IRFC undervalued or overvalued?
Based on our multi-method analysis, IRFC (IRFC) appears to be trading above calculated value by approximately 26.5%.
IRFC Financial Health — Key Ratios vs Industry Benchmarks
IRFC financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 1.10 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 12.7% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | 99.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.06x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
IRFC Cash Flow Quality — Operating & Free Cash Flow
IRFC operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2026 | ₹-27,026 Cr | ₹-27,028 Cr | Negative Cash Flow | 3/10 |
| March 2025 | ₹8,230 Cr | ₹8,230 Cr | Positive Free Cash Flow | 8/10 |
| March 2024 | ₹7,914 Cr | ₹7,910 Cr | Positive Free Cash Flow | 8/10 |
| March 2023 | ₹-28,584 Cr | ₹-28,584 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹-64,412 Cr | ₹-64,415 Cr | Negative Cash Flow | 3/10 |