IRFC Intrinsic Value
IRFC (IRFC) median intrinsic value is ₹56.20 from 9 valuation models (range ₹30–₹101), vs current price ₹100.19 — -43.9% downside (Trading Above Calculated Value), margin of safety -78.3%. 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 9 models vs current price ₹100.19 — upside/downside and value range per method. Browse IRFC annual reports for revenue, profit, balance sheet and cash flow data.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹64.80 | ₹51.84 - ₹77.76 | -35.3% | EPS: ₹5.40, Sector P/E: 12x |
| Book Value Method | asset | ₹32.24 | ₹29.02 - ₹35.46 | -67.8% | Book Value/Share: ₹40.30, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹30.06 | ₹27.05 - ₹33.07 | -70.0% | Revenue/Share: ₹20.46, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹101.34 | ₹91.21 - ₹111.47 | +1.1% | EBITDA: ₹26489.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹56.20 | ₹44.96 - ₹67.44 | -43.9% | CF Growth: 4.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹30.06 | ₹27.05 - ₹33.07 | -70.0% | EPS Growth: 3.8%, Fair P/E: 3.0x |
| Growth Adjusted P/E | growth | ₹44.74 | ₹40.27 - ₹49.21 | -55.3% | Revenue Growth: 7.1%, Adj P/E: 8.3x |
| ROE Based Valuation | profitability | ₹64.34 | ₹57.91 - ₹70.77 | -35.8% | ROE: 13.3%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹69.97 | ₹62.97 - ₹76.97 | -30.2% | EPS: ₹5.40, BVPS: ₹40.30 |
IRFC Intrinsic Value vs Market Price — All Valuation Models
IRFC fair value range ₹30–₹101 vs current market price ₹100.19 across 9 valuation models. Also explore IRFC price movement history to track price trends across different timeframes.
IRFC Intrinsic Value Analysis — Undervalued or Overvalued?
IRFC median intrinsic value ₹56.20, current price ₹100.19 — Trading Above Calculated Value by 43.9%, margin of safety -78.3%.
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 ₹100.19, this represents a -43.9% variance from our estimated fair value.
The valuation range spans from ₹30.06 to ₹101.34, indicating ₹30.06 - ₹101.34.
Is IRFC undervalued or overvalued?
Based on our multi-method analysis, IRFC (IRFC) appears to be trading above calculated value by approximately 43.9%.
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 | 1.17 | 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 |
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 |