Bajaj Finance [BAJFINANCE] vs Indian Railway [IRFC] Detailed Stock Comparison

Bajaj Finance Ltd.

NSE
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Indian Railway Finance Corporation Ltd.

NSE
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TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: Bajaj Finance Ltd. wins in 10 metrics, Indian Railway Finance Corporation Ltd. wins in 8 metrics, with 0 ties. Bajaj Finance Ltd. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Bajaj Finance Ltd. Indian Railway Finance Corporation Ltd. Better
P/E Ratio (TTM) 31.69 19.72 Indian Railway Finance Corporation Ltd.
Price-to-Book Ratio 5.53 2.44 Indian Railway Finance Corporation Ltd.
Debt-to-Equity Ratio 310.29 744.59 Bajaj Finance Ltd.
PEG Ratio 54.50 1.62 Indian Railway Finance Corporation Ltd.
EV/EBITDA N/A 38.53 N/A
Profit Margin (TTM) 43.68% 97.32% Indian Railway Finance Corporation Ltd.
Operating Margin (TTM) 55.55% 97.52% Indian Railway Finance Corporation Ltd.
EBITDA Margin (TTM) 55.55% 97.52% Indian Railway Finance Corporation Ltd.
Return on Equity 16.82% 12.90% Bajaj Finance Ltd.
Return on Assets (TTM) 3.57% 1.43% Bajaj Finance Ltd.
Free Cash Flow (TTM) $-692.36B $82.29B Indian Railway Finance Corporation Ltd.
Dividend Yield 10.01% 2.98% Bajaj Finance Ltd.
1-Year Return -1.59% -30.68% Bajaj Finance Ltd.
Price-to-Sales Ratio (TTM) 13.83 19.23 Bajaj Finance Ltd.
Enterprise Value $8,982.32B $5,586.60B Bajaj Finance Ltd.
EV/Revenue Ratio 21.76 77.59 Bajaj Finance Ltd.
Gross Profit Margin (TTM) N/A 27.64% N/A
Revenue per Share (TTM) $66 $6 Bajaj Finance Ltd.
Earnings per Share (Diluted) $28.98 $5.37 Bajaj Finance Ltd.
Beta (Stock Volatility) 0.31 0.31 Indian Railway Finance Corporation Ltd.

Bajaj Finance Ltd. vs Indian Railway Finance Corporation Ltd. Stock Performance Analysis

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BAJFINANCE
IRFC

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Bajaj Finance Ltd.2.61%8.17%3.50%7.31%-6.95%-3.17%
Indian Railway Finance Corporation Ltd.1.24%2.51%-1.80%0.66%-14.28%-22.82%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Bajaj Finance Ltd.-1.59%27.49%50.86%1,119.52%16,095.77%32,008.39%
Indian Railway Finance Corporation Ltd.-30.68%191.02%290.59%286.65%286.65%286.65%

Performance & Financial Health Analysis: Bajaj Finance Ltd. vs Indian Railway Finance Corporation Ltd.

MetricBAJFINANCEIRFC
Market Information
Market Cap i₹5.71T₹1.37T
Market Cap CategoryLarge capLarge cap
10 Day Avg. Volume i8,128,78119,585,596
90 Day Avg. Volume i11,082,95917,590,635
Last Close₹942.30₹97.08
52 Week Range₹787.90 - ₹1,102.50₹87.00 - ₹143.15
% from 52W High-14.53%-32.18%
All-Time High₹9,788.00 (Jun 09, 2025)₹229.00 (Jul 15, 2024)
% from All-Time High-90.37%-57.61%
Growth Metrics
Quarterly Revenue Growth0.06%0.11%
Quarterly Earnings Growth-0.06%0.11%
Financial Health
Profit Margin (TTM) i0.44%0.97%
Operating Margin (TTM) i0.56%0.98%
Return on Equity (TTM) i0.17%0.13%
Debt to Equity (MRQ) i310.29744.59
Cash & Liquidity
Book Value per Share (MRQ)₹166.19₹43.36
Cash per Share (MRQ)₹20.60₹0.89
Operating Cash Flow (TTM) i₹-147,267,100,000₹-100,112,400,384
Levered Free Cash Flow (TTM) i₹166.38B₹65.02B
Dividends
Last 12-Month Dividend Yield i10.01%2.98%
Last 12-Month Dividend i₹92.00₹2.90

Valuation & Enterprise Metrics Analysis: Bajaj Finance Ltd. vs Indian Railway Finance Corporation Ltd.

MetricBAJFINANCE (Apr 24, 2026)IRFC (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i31.6919.72
Forward P/E i22.7515.35
PEG Ratio i54.501.62
Price to Sales (TTM) i13.8319.23
Price to Book (MRQ) i5.532.44
Market Capitalization
Market Capitalization i₹5.71T₹1.37T
Enterprise Value i₹8.98T₹5.59T
Enterprise Value Metrics
Enterprise to Revenue i21.7677.59
Enterprise to EBITDA iN/A38.53
Risk & Other Metrics
Beta i0.310.31
Book Value per Share (MRQ) i₹166.19₹43.36

Financial Statements Comparison: Bajaj Finance Ltd. vs Indian Railway Finance Corporation Ltd.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricBAJFINANCE (2025)IRFC (2025)
Revenue/Sales i423.56B270.65B
Cost of Goods Sold iN/A124.63B
COGS % of Revenue i0.0%46.0%
Gross Profit iN/A146.01B
Gross Margin i0.0%54.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/A144.53B
Operating Margin i0.0%53.4%
EBITDA iN/A144.99B
EBITDA Margin i0.0%53.6%
Pre-Tax Income i220.80B65.02B
Pre-Tax Income % of Revenue i52.1%24.0%
Income Tax i53.00B0
Income Tax % of Revenue i12.5%0.0%
Net Income (Profit) i167.79B65.02B
Profit Margin i39.6%24.0%

Balance Sheet & Liquidity Metrics

MetricBAJFINANCE (2025)IRFC (2025)
Cash & Equivalents i107.68B56.80B
Total Current Assets iN/A433.95B
Total Current Assets % of Revenue i0.0%160.3%
Total Current Liabilities iN/A402.00B
Total Current Liabilities % of Revenue i0.0%148.5%
Long-Term Debt i2.75T3.94T
Long-Term Debt % of Revenue i650.1%1,457.5%
Total Shareholders Equity i989.37B526.68B
Retained Earnings i517.83B131.41B
Retained Earnings % of Revenue i122.3%48.6%
Property, Plant & Equipment i5.52B169.30M

Cash Flow Statement Comparison

MetricBAJFINANCE (2025)IRFC (2025)
Operating Cash Flow i-147.27B81.77B
Operating Cash Flow % of Revenue i-34.8%30.2%
Capital Expenditures i-5.48B-8.20M
Free Cash Flow i-692.36B82.29B
FCF Margin i-163.5%30.4%
Debt Repayment i-390.27B-233.12B
Common Stock Repurchase iN/AN/A

Short Interest & Institutional Ownership Analysis

MetricBAJFINANCEIRFC
Shares Short iN/AN/A
Short Ratio iN/AN/A
Short % of Float iN/AN/A
Shares Outstanding i6.22B13.07B
Float Shares i2.65B2.00B
% Held by Insiders i56.26%84.65%
% Held by Institutions i24.14%2.15%
% Held by Public i19.60%13.20%

Dividend Analysis & Yield Comparison: Bajaj Finance Ltd. vs Indian Railway Finance Corporation Ltd.

MetricBAJFINANCEIRFC
Last 12-Month Dividend i₹92.00₹2.90
Last 12-Month Dividend Yield i10.01%2.98%
3-Year Avg Annual Dividend i₹47.33₹1.97
3-Year Avg Dividend Yield i1.22%0.78%
3-Year Total Dividends i₹142.00₹5.90
Ex-Dividend DateMay 30, 2025Mar 13, 2026