Indian Railway Finance Corporation Limited (NSE) IRFC share price dropped 1% on January 19 despite reporting a 10.5% YoY profit increase to INR1,802 crores. Revenue fell by 1.5%, but assets under management hit a record high, indicating strong long-term growth potential. Indian Railway Finance Corporation (IRFC) share price ended Monday’s session, January 19, down 1% at INR120.90, as the company’s December quarter performance failed to lift investor sentiment.
IRFC Intraday Price Movement (Today)
NSE Live Price: ₹116.23
Intraday Change: ‑3.86% from the previous close, indicating the share is trading lower on the day.
Trading Range Today:
Day’s High: ~₹121.45
Day’s Low: ~₹115.49
Previous Close: ~₹120.90
This implies an intraday move of approximately ‑3.86% (down) relative to the previous session’s close.
52‑Week Price Range
52‑week high: ~₹155.52 – ₹155.5 range.
52‑week low: ~₹108.04 – ₹108.75 range.
This means the stock has swung roughly ~43–44% from its low to its high over the last 12 months, illustrating both sharp rallies and subsequent corrections within the period.
Quarterly Results
Net Profit (PAT): ₹1,802.19 crore — highest-ever quarterly profit for IRFC, up ~10.5–11% YoY from ₹1,630.66 crore in Q3 FY25.
Total Income: ~₹6,719 crore — slightly down from ~₹6,766 crore in the year‑ago period.
Net Interest Margin (NIM): improved by ~8% YoY, supported by disciplined liability management and diversified disbursements.
Assets Under Management (AUM): reached a record ₹4.75 lakh crore as of Dec 31, 2025 — a key balance‑sheet strength indicator.
Full‑year loan sanction guidance: ₹60,000 crore achieved within nine months, reflecting strong loan growth.
Analyst & Market Takeaways
Earnings quality: Growth in net profit with stable/improving margins suggests strong execution of IRFC’s core financing business.
Full‑Year Context & Longer‑Term Growth
Annual revenue (FY2025): ₹66.77 billion (₹6,677 crore), modest growth of ~1.6 % over FY2024.
Revenue over last 12 months: ₹70.23 billion, revenue up 5.3 % YoY in trailing 12‑month terms.
Over prior years, IRFC’s revenue growth has been more pronounced in earlier periods (e.g., 28–37 % jumps in FY22 vs FY21).
Macro Headwinds Affecting Share Price of IRFC
Rising bond yields and weak transmission of rate cuts into corporate borrowing costs.
Continued foreign investor outflows weighing on overall equity sentiment.
Profit‑booking after earlier rallies and technical weakness.
Perceptions of financing demand vs. policy shifts in public infrastructure.