Indian Railway [IRFC] vs Cholamandalam [CHOLAFIN] Detailed Stock Comparison
TLDR: Quick Comparison Summary
Based on 20 vital metrics comparison: Indian Railway Finance Corporation Ltd. wins in 9 metrics, Cholamandalam Investment and Finance Company Limited wins in 9 metrics, with 0 ties. Both stocks appear equally matched on key metrics.
View Metrics Details
Vital Metrics Comparison
| Metric | Indian Railway Finance Corporation Ltd. | Cholamandalam Investment and Finance Company Limited | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 19.72 | 27.32 | Indian Railway Finance Corporation Ltd. |
| Price-to-Book Ratio | 2.44 | 5.09 | Indian Railway Finance Corporation Ltd. |
| Debt-to-Equity Ratio | 744.59 | 724.31 | Cholamandalam Investment and Finance Company Limited |
| PEG Ratio | 1.62 | 0.83 | Cholamandalam Investment and Finance Company Limited |
| EV/EBITDA | 38.53 | N/A | N/A |
| Profit Margin (TTM) | 97.32% | 39.05% | Indian Railway Finance Corporation Ltd. |
| Operating Margin (TTM) | 97.52% | 51.92% | Indian Railway Finance Corporation Ltd. |
| EBITDA Margin (TTM) | 97.52% | 51.92% | Indian Railway Finance Corporation Ltd. |
| Return on Equity | 12.90% | 18.01% | Cholamandalam Investment and Finance Company Limited |
| Return on Assets (TTM) | 1.43% | 2.11% | Cholamandalam Investment and Finance Company Limited |
| Free Cash Flow (TTM) | $82.29B | $-326.13B | Indian Railway Finance Corporation Ltd. |
| Dividend Yield | 2.98% | 0.19% | Indian Railway Finance Corporation Ltd. |
| 1-Year Return | -30.68% | 0.92% | Cholamandalam Investment and Finance Company Limited |
| Price-to-Sales Ratio (TTM) | 19.23 | 10.77 | Cholamandalam Investment and Finance Company Limited |
| Enterprise Value | $5,586.60B | $3,087.82B | Indian Railway Finance Corporation Ltd. |
| EV/Revenue Ratio | 77.59 | 24.88 | Cholamandalam Investment and Finance Company Limited |
| Gross Profit Margin (TTM) | 27.64% | N/A | N/A |
| Revenue per Share (TTM) | $6 | $147 | Cholamandalam Investment and Finance Company Limited |
| Earnings per Share (Diluted) | $5.37 | $57.41 | Cholamandalam Investment and Finance Company Limited |
| Beta (Stock Volatility) | 0.31 | 0.54 | Indian Railway Finance Corporation Ltd. |
Indian Railway Finance Corporation Ltd. vs Cholamandalam Investment and Finance Company Limited Stock Performance Analysis
Loading Price Chart...
Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Indian Railway Finance Corporation Ltd. | 1.24% | 2.51% | -1.80% | 0.66% | -14.28% | -22.82% |
| Cholamandalam Investment and Finance Company Limited | 5.45% | 13.57% | 6.94% | 8.28% | -4.62% | -4.08% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Indian Railway Finance Corporation Ltd. | -30.68% | 191.02% | 290.59% | 286.65% | 286.65% | 286.65% |
| Cholamandalam Investment and Finance Company Limited | 0.92% | 39.18% | 191.20% | 754.46% | 4,848.25% | 5,637.65% |
Performance & Financial Health Analysis: Indian Railway Finance Corporation Ltd. vs Cholamandalam Investment and Finance Company Limited
| Metric | IRFC | CHOLAFIN |
|---|---|---|
| Market Information | ||
| Market Cap | ₹1.37T | ₹1.34T |
| Market Cap Category | Large cap | Large cap |
| 10 Day Avg. Volume | 19,585,596 | 1,728,942 |
| 90 Day Avg. Volume | 17,590,635 | 2,149,175 |
| Last Close | ₹97.08 | ₹1,653.60 |
| 52 Week Range | ₹87.00 - ₹143.15 | ₹1,299.40 - ₹1,831.50 |
| % from 52W High | -32.18% | -9.71% |
| All-Time High | ₹229.00 (Jul 15, 2024) | ₹1,831.50 (Jan 06, 2026) |
| % from All-Time High | -57.61% | -9.71% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.11% | 0.20% |
| Quarterly Earnings Growth | 0.11% | 0.19% |
| Financial Health | ||
| Profit Margin (TTM) | 0.97% | 0.39% |
| Operating Margin (TTM) | 0.98% | 0.52% |
| Return on Equity (TTM) | 0.13% | 0.18% |
| Debt to Equity (MRQ) | 744.59 | 724.31 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | ₹43.36 | ₹308.19 |
| Cash per Share (MRQ) | ₹0.89 | ₹132.14 |
| Operating Cash Flow (TTM) | ₹-100,112,400,384 | ₹176.84B |
| Levered Free Cash Flow (TTM) | ₹65.02B | ₹42.63B |
| Dividends | ||
| Last 12-Month Dividend Yield | 2.98% | 0.19% |
| Last 12-Month Dividend | ₹2.90 | ₹3.30 |
Valuation & Enterprise Metrics Analysis: Indian Railway Finance Corporation Ltd. vs Cholamandalam Investment and Finance Company Limited
| Metric | IRFC (Apr 24, 2026) | CHOLAFIN (Apr 26, 2026) |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 19.72 | 27.32 |
| Forward P/E | 15.35 | 20.23 |
| PEG Ratio | 1.62 | 0.83 |
| Price to Sales (TTM) | 19.23 | 10.77 |
| Price to Book (MRQ) | 2.44 | 5.09 |
| Market Capitalization | ||
| Market Capitalization | ₹1.37T | ₹1.34T |
| Enterprise Value | ₹5.59T | ₹3.09T |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 77.59 | 24.88 |
| Enterprise to EBITDA | 38.53 | N/A |
| Risk & Other Metrics | ||
| Beta | 0.31 | 0.54 |
| Book Value per Share (MRQ) | ₹43.36 | ₹308.19 |
Financial Statements Comparison: Indian Railway Finance Corporation Ltd. vs Cholamandalam Investment and Finance Company Limited
Financial Metrics
Loading Financial Charts...
Revenue
Operating Margin
Profit Margin
Long Term Debt
Income Flow Analysis
Financial Statements Comparison
Income Statement
| Metric | IRFC (2025) | CHOLAFIN (2025) |
|---|---|---|
| Revenue/Sales | 270.65B | 134.11B |
| Cost of Goods Sold | 124.63B | N/A |
| COGS % of Revenue | 46.0% | 0.0% |
| Gross Profit | 146.01B | N/A |
| Gross Margin | 54.0% | 0.0% |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | 144.53B | N/A |
| Operating Margin | 53.4% | 0.0% |
| EBITDA | 144.99B | N/A |
| EBITDA Margin | 53.6% | 0.0% |
| Pre-Tax Income | 65.02B | 57.41B |
| Pre-Tax Income % of Revenue | 24.0% | 42.8% |
| Income Tax | 0 | 14.81B |
| Income Tax % of Revenue | 0.0% | 11.0% |
| Net Income (Profit) | 65.02B | 42.63B |
| Profit Margin | 24.0% | 31.8% |
Balance Sheet & Liquidity Metrics
| Metric | IRFC (2025) | CHOLAFIN (2025) |
|---|---|---|
| Cash & Equivalents | 56.80B | 65.21B |
| Total Current Assets | 433.95B | N/A |
| Total Current Assets % of Revenue | 160.3% | 0.0% |
| Total Current Liabilities | 402.00B | N/A |
| Total Current Liabilities % of Revenue | 148.5% | 0.0% |
| Long-Term Debt | 3.94T | 1.76T |
| Long-Term Debt % of Revenue | 1,457.5% | 1,309.3% |
| Total Shareholders Equity | 526.68B | 236.69B |
| Retained Earnings | 131.41B | 85.53B |
| Retained Earnings % of Revenue | 48.6% | 63.8% |
| Property, Plant & Equipment | 169.30M | 1.60B |
Cash Flow Statement Comparison
| Metric | IRFC (2025) | CHOLAFIN (2025) |
|---|---|---|
| Operating Cash Flow | 81.77B | 176.84B |
| Operating Cash Flow % of Revenue | 30.2% | 131.9% |
| Capital Expenditures | -8.20M | -1.87B |
| Free Cash Flow | 82.29B | -326.13B |
| FCF Margin | 30.4% | -243.2% |
| Debt Repayment | -233.12B | -1.21T |
| Common Stock Repurchase | N/A | N/A |
Short Interest & Institutional Ownership Analysis
| Metric | IRFC | CHOLAFIN |
|---|---|---|
| Shares Short | N/A | N/A |
| Short Ratio | N/A | N/A |
| Short % of Float | N/A | N/A |
| Shares Outstanding | 13.07B | 852.32M |
| Float Shares | 2.00B | 425.60M |
| % Held by Insiders | 84.65% | 49.30% |
| % Held by Institutions | 2.15% | 35.29% |
| % Held by Public | 13.20% | 15.41% |
Dividend Analysis & Yield Comparison: Indian Railway Finance Corporation Ltd. vs Cholamandalam Investment and Finance Company Limited
| Metric | IRFC | CHOLAFIN |
|---|---|---|
| Last 12-Month Dividend | ₹2.90 | ₹3.30 |
| Last 12-Month Dividend Yield | 2.98% | 0.19% |
| 3-Year Avg Annual Dividend | ₹1.97 | ₹2.43 |
| 3-Year Avg Dividend Yield | 0.78% | 0.09% |
| 3-Year Total Dividends | ₹5.90 | ₹7.30 |
| Ex-Dividend Date | Mar 13, 2026 | Feb 05, 2026 |