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Indian Railway Finance Corporation Limited Q4 FY26 earnings call summary

NSE: IRFC · BSE: 543257

Earnings call of 15 May 2026, summarised by AI from the filing.

IRFC FY26 sanctions ₹74,000 cr and disbursements ₹35,000 cr beat guidance; FY27 targets above ₹75,000 cr sanctions and double-digit growth.

Key takeaways

  1. Q4 PAT Q4 PAT ₹1,684 cr, down from ₹1,800 cr in Q3 FY26, due to provisions and CSR expenditure.
  2. Risk NIM under pressure across sector; IRFC's NIM supported by low overheads and zero NPA.

Original filing on BSE

Indian Railway Finance Corporation Limited Q1 FY27 results

As filed: Revenue ₹8,261 cr (+19% year on year), EBITDA ₹8,219 cr (+20% year on year), PAT ₹1,927 cr (+10% year on year), EBITDA margin 99.5% (+17 bps).

The Q1 FY27 score, against the company's own trend, is for premium members.

Earlier results and the share price after them

  • Q4 FY26: Revenue ₹7,336 cr (+9% year on year), EBITDA ₹7,218 cr (+8% year on year), PAT ₹1,684 cr (0% year on year), EBITDA margin 98.4% (−94 bps). Score 59 of 100, In line with trend. Revenue and EBITDA growth were well above the company's own trend; profit growth was below it. EBITDA margin fell 94 bps year on year. Tax rate 0%. Profit fell 7% from last quarter. Share price after the results: −5.5% in 29 days (Nifty 500: +1.0%).
  • Q3 FY26: Revenue ₹6,661 cr (−2% year on year), EBITDA ₹6,558 cr (−2% year on year), PAT ₹1,802 cr (+11% year on year), EBITDA margin 98.4% (−98 bps). Score 35 of 100, Below trend. Revenue and EBITDA growth were below the company's own trend; profit growth was above it. EBITDA margin fell 98 bps year on year. Tax rate 0%. Share price after the results: −1.9% in 30 days (Nifty 500: +0.7%).
  • Q2 FY26: Revenue ₹6,372 cr (−8% year on year), EBITDA ₹6,322 cr (−8% year on year), PAT ₹1,777 cr (+10% year on year), EBITDA margin 99.2% (−23 bps). Score 24 of 100, Below trend. Revenue and EBITDA growth were well below the company's own trend; profit growth was above it. EBITDA margin fell 23 bps year on year. Tax rate 0%. Revenue fell 8% from last quarter. Share price after the results: −2.8% in 30 days (Nifty 500: +2.8%).
  • Q1 FY26: Revenue ₹6,915 cr (+2% year on year), EBITDA ₹6,868 cr (+2% year on year), PAT ₹1,746 cr (+11% year on year), EBITDA margin 99.3% (−21 bps). Score 45 of 100, In line with trend. Revenue and EBITDA growth were in line with the company's own trend; profit growth was above it. EBITDA margin fell 21 bps year on year. Tax rate 0%. Share price after the results: −4.1% in 30 days (Nifty 500: −0.8%).
  • Q4 FY25: Revenue ₹6,723 cr (+4% year on year), EBITDA ₹6,678 cr (+4% year on year), PAT ₹1,682 cr (−2% year on year), EBITDA margin 99.3% (−14 bps). Score 43 of 100, In line with trend. Revenue and EBITDA growth were in line with the company's own trend; profit growth was below it. EBITDA margin fell 14 bps year on year. Tax rate 0%.
  • Q3 FY25: Revenue ₹6,763 cr (0% year on year), EBITDA ₹6,724 cr (0% year on year), PAT ₹1,631 cr (+2% year on year), EBITDA margin 99.4% (−4 bps). Score 32 of 100, Below trend. Revenue, EBITDA and profit growth were below the company's own trend. EBITDA margin was flat year on year. Tax rate 0%.
  • Q2 FY25: Revenue ₹6,900 cr (+2% year on year), EBITDA ₹6,862 cr (+2% year on year), PAT ₹1,613 cr (+4% year on year), EBITDA margin 99.5% (−5 bps). Score 31 of 100, Below trend. EBITDA margin was flat year on year. Tax rate 0%. Not enough history for a trend yet: scored on growth alone.

Past price moves after results do not indicate future moves. Not a recommendation.

Indian Railway Finance Corporation Limited earnings call, investor presentation and press release summaries

Figures from the company's filings with NSE and BSE. Not investment advice.