I R F C Q1 FY27 Share Price & Earnings Call Analysis

Financials of I R F C

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Financials of I R F C

Quarterly Results

Quarter-by-quarter operating performance

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue +6,1946,6796,7616,7376,4756,7666,9006,7636,7236,9156,3726,6617,336
Interest4,8955,0915,1815,1044,7255,1555,2495,0954,9965,1244,5444,8125,524
Expenses +4729343534333839444749104118
Financing Profit1,2521,5591,5461,5971,7161,5781,6131,6291,6831,7441,7781,7461,694
Financing Margin %20%23%23%24%26%23%23%24%25%25%28%26%23%
Other Income +36213301313058-7
Depreciation3421221111112
Profit before tax1,2851,5571,5451,5991,7171,5771,6131,6311,6821,7461,7771,8021,684
Tax %0%0%0%0%0%0%0%0%0%0%0%0%0%
Net Profit +1,2851,5571,5451,5991,7171,5771,6131,6311,6821,7461,7771,8021,684
EPS in Rs0.981.191.181.221.311.211.231.251.291.341.361.381.29
Gross NPA %
Net NPA %

Financials of I R F C

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue +6,9397,5079,0479,26711,13413,42115,77120,29923,89226,65027,15327,285
Interest4,9925,5196,8886,6388,18310,16311,23714,07517,44720,10120,49520,005
Expenses +343826384866113123134133154318
Financing Profit1,9141,9502,1332,5922,9023,1924,4206,1026,3106,4156,5046,962
Financing Margin %28%26%24%28%26%24%28%30%26%24%24%26%
Other Income +1101-0002416353
Depreciation00000041414956
Profit before tax1,9141,9502,1332,5922,9023,1924,4166,0906,3376,4126,5027,009
Tax %60%56%56%21%22%0%0%0%0%0%0%0%
Net Profit +7588499342,0552,2553,1924,4166,0906,3376,4126,5027,009
EPS in Rs211.58187.50143.083.152.402.693.384.664.854.914.985.36
Dividend Payout %20%40%40%18%18%0%31%30%31%31%32%0%

Financials of I R F C

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital3,5844,5266,5266,5269,38011,88013,06913,06913,06913,06913,06913,069
Reserves5,0986,9995,4837,40215,64818,41922,84527,92832,40236,11039,59943,680
Borrowing71,27087,503106,395134,006173,933234,377323,145388,440418,935412,039412,133436,471
Other Liabilities +7,6969,37211,24513,5347,64210,82821,42320,54426,74223,86524,03423,457
Total Liabilities87,647108,400129,650161,468206,604275,504380,482449,980491,147485,082488,835516,676
Fixed Assets +121212111111453819221828
CWIP000000000440
Investments988141312121014543828
Other Assets +87,626108,381129,630161,443206,579275,482380,424449,932491,114485,003488,775516,620
Total Assets87,647108,400129,650161,468206,604275,504380,482449,980491,147485,082488,835516,676

Financials of I R F C

Cash Flows

Operating, investing and financing cash movement

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +-16,378-19,455-28,076-41,748-62,701-89,907-64,412-28,5847,9148,230-27,026
Cash from Investing Activity +222110-50-8-0-3
Cash from Financing Activity +17,58218,25028,07541,74962,69790,20264,26628,643-8,046-2,57221,560
Net Cash Flow1,206-1,20403-2296-15160-1405,658-5,469
Free Cash Flow-16,378-19,455-28,076-41,749-62,701-89,907-64,419-28,5857,9068,229-27,040
CFO/OP-213%-211%-298%-371%-465%-572%-319%-120%30%31%-101%

Financials of I R F C

Ratios

Working capital efficiency and return ratios

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %9%8%8%16%12%12%13%16%15%14%13%13%

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What I R F C's management said in earlier quarters

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