IRFC Share Price to Be in Focus on July 23; PAT Jumps 10.7% in Q1 FY26 Results

Navratna Central Public Sector Enterprise (CPSE) Indian Railway Finance Corporation (IRFC) reported its strongest-ever quarterly performance for Q1 FY2025-26, achieving record earnings across revenue, profitability, and net worth.

The company showcased double-digit growth in Profit After Tax (PAT) and a notable rise in revenue compared to the same period last year, underscoring its pivotal role in financing India's railway infrastructure.

IRFC Q1 FY26 Financial Highlights

For the quarter ending June 30, 2025, IRFC posted its highest-ever total income of ₹6,918.24 crore, up from ₹6,766.03 crore in the corresponding period last year. PAT surged by 10.71% year-on-year, reaching ₹1,745.69 crore versus ₹1,576.83 crore in Q1 FY2025. Both figures mark all-time highs for the company, reinforcing its growing financial strength.

The company’s net interest margin (NIM) stood at 1.53% (annualised), the best performance in three years, driven by improved lending spreads and strict cost control. Net worth rose to a record ₹54,423.96 crore, while the book value per share stood at ₹41.65.

The debt-to-equity ratio improved to 7.44, even as the company maintained the lowest overhead costs in the industry and reported zero non-performing assets (NPAs).

Strategic Growth and Navratna Status

This quarter marked IRFC’s first full reporting period since being conferred Navratna status by the Government of India, granting it greater operational and financial autonomy. The recognition is set to fuel strategic growth, enabling IRFC to expand beyond its traditional financing role for Indian Railways into a broader railway ecosystem strategy, encompassing backward and forward-linked railway-centric projects.

Commenting on the results, Manoj Kumar Dubey, Chairman and Managing Director of lRFC, said, "Our performance this quarter reflects the robustness of IRFC's financial strategy and its critical role in advancing the infrastructure goals of Indian Railways. As the sector undergoes unprecedented transformation, we are committed to driving financial innovation and maintaining operational excellence."

CMD Shri Dubey further stated, "We continue to secure the very attractive cost of capital within the ecosystem of NBFC and true to our ethos we are sharing this benefit directly with our customers. The competitive edge with very low overhead cost coupled with Zero NPA and stable cash flows sets us apart in the industry, `not just in pricing but in creating true partnership."

IRFC Share Price Performance

On July 22, 2025, IRFC share price (NSE: IRFC) opened at ₹135.04 and closed at ₹130.70, down by 2.73%. The stock price touched its day’s low at ₹130.51.

Also Read: IRFC Emerges as L1 Bidder for ₹5,000 Crore Loan to NTPC!

Conclusion

With its record-breaking earnings, clean loan book, and enhanced Navratna status, IRFC has positioned itself as a key financial engine for India’s growing rail infrastructure. The results not only highlight operational efficiency but also signal a strategic shift toward a diversified, growth-oriented future, reinforcing IRFC’s critical role in India’s railway expansion plans.

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