IRFC Intrinsic Value
IRFC • Financial Services
Current Stock Price
₹87.23
Primary Intrinsic Value
₹64.80
Market Cap
₹1140.0K Cr
-35.6%
Downside
Median Value
₹56.20
Value Range
₹26 - ₹101
Assessment
Trading Above Calculated Value
Safety Margin
-55.2%
IRFC Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹64.80 | ₹51.84 - ₹77.76 | -25.7% | EPS: ₹5.40, Sector P/E: 12x |
| Book Value Method | asset | ₹32.24 | ₹29.02 - ₹35.46 | -63.0% | Book Value/Share: ₹40.30, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹26.17 | ₹23.55 - ₹28.79 | -70.0% | Revenue/Share: ₹20.46, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹101.34 | ₹91.21 - ₹111.47 | +16.2% | EBITDA: ₹26489.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹56.20 | ₹44.96 - ₹67.44 | -35.6% | CF Growth: 4.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹26.17 | ₹23.55 - ₹28.79 | -70.0% | EPS Growth: 3.8%, Fair P/E: 3.0x |
| Growth Adjusted P/E | growth | ₹44.74 | ₹40.27 - ₹49.21 | -48.7% | Revenue Growth: 7.1%, Adj P/E: 8.3x |
| ROE Based Valuation | profitability | ₹64.34 | ₹57.91 - ₹70.77 | -26.2% | ROE: 13.3%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹69.97 | ₹62.97 - ₹76.97 | -19.8% | EPS: ₹5.40, BVPS: ₹40.30 |
Method Types:
Earnings
Asset
DCF
Growth
Dividend
Conservative
Valuation Comparison Chart
IRFC Intrinsic Value Analysis
What is the intrinsic value of IRFC?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of IRFC (IRFC) is ₹56.20 (median value). With the current market price of ₹87.23, this represents a -35.6% variance from our estimated fair value.
The valuation range spans from ₹26.17 to ₹101.34, indicating ₹26.17 - ₹101.34.
Is IRFC undervalued or overvalued?
Based on our multi-method analysis, IRFC (IRFC) appears to be trading above calculated value by approximately 35.6%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 1.17 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 13.3% | 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 | 0.05x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for IRFC
Additional stock information and data for IRFC
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| 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 |
| March 2021 | ₹-89,907 Cr | ₹-89,907 Cr | Negative Cash Flow | 3/10 |