🚆 IRFC Q1 FY26 Results: Strongest-Ever Quarterly Performance! 📈
Company: Indian Railway Finance Corporation (IRFC)
CMP: ₹131 | Sector: PSU NBFC | Date: 22nd July 2025
1️⃣ Recent Highlights & Strategic Updates
Highest quarterly revenue & profit in history
PAT up 10.7% YoY; Revenue growth across both segments
Interest Income and Lease Income are both major contributors
Net Interest Margin: 1.53% (3-yr high)
Zero NPA, industry’s lowest OPEX, healthy balance sheet (Debt/Equity: 7.44)
Navratna status for enhanced autonomy
Management: “Reflects robust financial strategy, supporting India’s railway infrastructure transformation.”
2️⃣ Consolidated Financial Analysis
Income Statement (₹ Crore) & Segmental Growth
Profit Margins
Note:
Interest Income declined YoY & QoQ—mainly as more assets are now under lease.
Lease Income up 9.2% YoY, now the dominant driver.
3️⃣ Profitability, Growth & Valuation Ratios
4️⃣ Industry-Specific KPIs
Zero NPA streak (best in PSU NBFC space)
OPEX: Still industry lowest
Debt/Equity: 7.44 (improved)
5️⃣ FY26 Estimates Based on Q1 Trends
Sales Growth Estimate: 2–3%
PAT Growth: 8–10%
Margins: 24.5–25% sustainable
Profit Growth: Supported by higher lease income
6️⃣ Near-Term & Long-Term Outlook
Next 1–2 Quarters:
Continued focus on lease-based funding, steady margins, robust asset qualityLong-Term:
Navratna status, government’s railway capex = stable pipeline, low credit risk
7️⃣ Conclusion for Long-Term Investors
Positives:
Strong lease income growth
Record profit & margins
Zero NPA, low OPEX
Sovereign client (Indian Railways)
Risks:
Reliance on government policy/capex
Limited diversification
Investment View:
Cautiously Optimistic (Hold/Add on dips) for conservative portfolios.
8️⃣ Disclosure
This analysis is provided solely for informational purposes and does not constitute investment advice. Investors should perform their own due diligence before making investment decisions.
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