IRFC Intrinsic Value
IRFC (IRFC) median intrinsic value is ₹56.20 from 9 valuation models (range ₹27–₹103), vs current price ₹90.57 — -37.9% downside (Trading Above Calculated Value), margin of safety -61.2%. Analyse IRFC institutional holdings to track promoter, FII and institutional holdings.
IRFC Valuation Methods Summary — DCF, Graham Number & P/E
IRFC intrinsic value across 9 models vs current price ₹90.57 — upside/downside and value range per method. For current market price and key ratios, visit IRFC stock price BSE.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹64.32 | ₹51.46 - ₹77.18 | -29.0% | EPS: ₹5.36, Sector P/E: 12x |
| Book Value Method | asset | ₹34.74 | ₹31.27 - ₹38.21 | -61.6% | Book Value/Share: ₹43.42, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹27.17 | ₹24.45 - ₹29.89 | -70.0% | Revenue/Share: ₹20.86, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹103.10 | ₹92.79 - ₹113.41 | +13.8% | EBITDA: ₹26949.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹56.20 | ₹44.96 - ₹67.44 | -37.9% | CF Growth: 4.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹27.17 | ₹24.45 - ₹29.89 | -70.0% | EPS Growth: 3.6%, Fair P/E: 2.8x |
| Growth Adjusted P/E | growth | ₹44.52 | ₹40.07 - ₹48.97 | -50.8% | Revenue Growth: 7.7%, Adj P/E: 8.3x |
| ROE Based Valuation | profitability | ₹64.36 | ₹57.92 - ₹70.80 | -28.9% | ROE: 12.4%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹72.37 | ₹65.13 - ₹79.61 | -20.1% | EPS: ₹5.36, BVPS: ₹43.42 |
IRFC Intrinsic Value vs Market Price — All Valuation Models
IRFC fair value range ₹27–₹103 vs current market price ₹90.57 across 9 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 ₹90.57 — Trading Above Calculated Value by 37.9%, margin of safety -61.2%.
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 ₹90.57, this represents a -37.9% variance from our estimated fair value.
The valuation range spans from ₹27.17 to ₹103.10, indicating ₹27.17 - ₹103.10.
Is IRFC undervalued or overvalued?
Based on our multi-method analysis, IRFC (IRFC) appears to be trading above calculated value by approximately 37.9%.
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 | 1.08 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 12.4% | 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 |
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 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 |