Jio Financial [JIOFIN] vs Indian Railway [IRFC] Detailed Stock Comparison
TLDR: Quick Comparison Summary
Based on 20 vital metrics comparison: Jio Financial Services Limited wins in 5 metrics, Indian Railway Finance Corporation Ltd. wins in 15 metrics, with 0 ties. Indian Railway Finance Corporation Ltd. appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Jio Financial Services Limited | Indian Railway Finance Corporation Ltd. | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 103.21 | 19.72 | Indian Railway Finance Corporation Ltd. |
| Price-to-Book Ratio | 1.18 | 2.44 | Jio Financial Services Limited |
| Debt-to-Equity Ratio | 16.29 | 744.59 | Jio Financial Services Limited |
| PEG Ratio | -15.83 | 1.62 | Indian Railway Finance Corporation Ltd. |
| EV/EBITDA | 63.66 | 38.53 | Indian Railway Finance Corporation Ltd. |
| Profit Margin (TTM) | 57.77% | 97.32% | Indian Railway Finance Corporation Ltd. |
| Operating Margin (TTM) | 43.08% | 97.52% | Indian Railway Finance Corporation Ltd. |
| EBITDA Margin (TTM) | 43.08% | 97.52% | Indian Railway Finance Corporation Ltd. |
| Return on Equity | 1.21% | 12.90% | Indian Railway Finance Corporation Ltd. |
| Return on Assets (TTM) | 1.05% | 1.43% | Indian Railway Finance Corporation Ltd. |
| Free Cash Flow (TTM) | $-155.44B | $82.29B | Indian Railway Finance Corporation Ltd. |
| Dividend Yield | 0.15% | 2.98% | Indian Railway Finance Corporation Ltd. |
| 1-Year Return | -19.78% | -30.68% | Jio Financial Services Limited |
| Price-to-Sales Ratio (TTM) | 60.78 | 19.23 | Indian Railway Finance Corporation Ltd. |
| Enterprise Value | $1,691.94B | $5,586.60B | Indian Railway Finance Corporation Ltd. |
| EV/Revenue Ratio | 62.62 | 77.59 | Jio Financial Services Limited |
| Gross Profit Margin (TTM) | 85.06% | 27.64% | Jio Financial Services Limited |
| Revenue per Share (TTM) | $4 | $6 | Indian Railway Finance Corporation Ltd. |
| Earnings per Share (Diluted) | $2.41 | $5.37 | Indian Railway Finance Corporation Ltd. |
| Beta (Stock Volatility) | 0.62 | 0.31 | Indian Railway Finance Corporation Ltd. |
Jio Financial Services Limited vs Indian Railway Finance Corporation Ltd. Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Jio Financial Services Limited | 1.54% | 4.66% | 2.77% | 2.21% | -20.05% | -19.00% |
| Indian Railway Finance Corporation Ltd. | 1.24% | 2.51% | -1.80% | 0.66% | -14.28% | -22.82% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Jio Financial Services Limited | -19.78% | 9.97% | 9.97% | 9.97% | 9.97% | 9.97% |
| Indian Railway Finance Corporation Ltd. | -30.68% | 191.02% | 290.59% | 286.65% | 286.65% | 286.65% |
Performance & Financial Health Analysis: Jio Financial Services Limited vs Indian Railway Finance Corporation Ltd.
| Metric | JIOFIN | IRFC |
|---|---|---|
| Market Information | ||
| Market Cap | ₹1.64T | ₹1.37T |
| Market Cap Category | Large cap | Large cap |
| 10 Day Avg. Volume | 33,977,737 | 19,585,596 |
| 90 Day Avg. Volume | 23,164,019 | 17,590,635 |
| Last Close | ₹239.52 | ₹97.08 |
| 52 Week Range | ₹223.30 - ₹338.60 | ₹87.00 - ₹143.15 |
| % from 52W High | -29.26% | -32.18% |
| All-Time High | ₹394.70 (Apr 22, 2024) | ₹229.00 (Jul 15, 2024) |
| % from All-Time High | -39.32% | -57.61% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.39% | 0.11% |
| Quarterly Earnings Growth | -0.14% | 0.11% |
| Financial Health | ||
| Profit Margin (TTM) | 0.58% | 0.97% |
| Operating Margin (TTM) | 0.43% | 0.98% |
| Return on Equity (TTM) | 0.01% | 0.13% |
| Debt to Equity (MRQ) | 16.29 | 744.59 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | ₹211.44 | ₹43.36 |
| Cash per Share (MRQ) | ₹5.68 | ₹0.89 |
| Operating Cash Flow (TTM) | ₹-154,386,399,232 | ₹-100,112,400,384 |
| Levered Free Cash Flow (TTM) | ₹15.61B | ₹65.02B |
| Dividends | ||
| Last 12-Month Dividend Yield | 0.15% | 2.98% |
| Last 12-Month Dividend | ₹0.50 | ₹2.90 |
Valuation & Enterprise Metrics Analysis: Jio Financial Services Limited vs Indian Railway Finance Corporation Ltd.
| Metric | JIOFIN (Apr 24, 2026) | IRFC (Apr 24, 2026) |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 103.21 | 19.72 |
| Forward P/E | 56.66 | 15.35 |
| PEG Ratio | -15.83 | 1.62 |
| Price to Sales (TTM) | 60.78 | 19.23 |
| Price to Book (MRQ) | 1.18 | 2.44 |
| Market Capitalization | ||
| Market Capitalization | ₹1.64T | ₹1.37T |
| Enterprise Value | ₹1.69T | ₹5.59T |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 62.62 | 77.59 |
| Enterprise to EBITDA | 63.66 | 38.53 |
| Risk & Other Metrics | ||
| Beta | 0.62 | 0.31 |
| Book Value per Share (MRQ) | ₹211.44 | ₹43.36 |
Financial Statements Comparison: Jio Financial Services Limited 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
| Metric | JIOFIN (2026) | IRFC (2025) |
|---|---|---|
| Revenue/Sales | 27.68B | 270.65B |
| Cost of Goods Sold | 3.87B | 124.63B |
| COGS % of Revenue | 14.0% | 46.0% |
| Gross Profit | 23.81B | 146.01B |
| Gross Margin | 86.0% | 54.0% |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | 22.75B | 144.53B |
| Operating Margin | 82.2% | 53.4% |
| EBITDA | 26.58B | 144.99B |
| EBITDA Margin | 96.0% | 53.6% |
| Pre-Tax Income | 19.12B | 65.02B |
| Pre-Tax Income % of Revenue | 69.1% | 24.0% |
| Income Tax | 3.51B | 0 |
| Income Tax % of Revenue | 12.7% | 0.0% |
| Net Income (Profit) | 15.61B | 65.02B |
| Profit Margin | 56.4% | 24.0% |
Balance Sheet & Liquidity Metrics
| Metric | JIOFIN (2026) | IRFC (2025) |
|---|---|---|
| Cash & Equivalents | 7.15B | 56.80B |
| Total Current Assets | 293.70B | 433.95B |
| Total Current Assets % of Revenue | 1,061.1% | 160.3% |
| Total Current Liabilities | 971.10M | 402.00B |
| Total Current Liabilities % of Revenue | 3.5% | 148.5% |
| Long-Term Debt | 217.68B | 3.94T |
| Long-Term Debt % of Revenue | 786.5% | 1,457.5% |
| Total Shareholders Equity | 1.34T | 526.68B |
| Retained Earnings | N/A | 131.41B |
| Retained Earnings % of Revenue | 0.0% | 48.6% |
| Property, Plant & Equipment | 539.00M | 169.30M |
Cash Flow Statement Comparison
| Metric | JIOFIN (2026) | IRFC (2025) |
|---|---|---|
| Operating Cash Flow | -159.14B | 81.77B |
| Operating Cash Flow % of Revenue | -575.0% | 30.2% |
| Capital Expenditures | -1.05B | -8.20M |
| Free Cash Flow | -155.44B | 82.29B |
| FCF Margin | -561.6% | 30.4% |
| Debt Repayment | -282.84B | -233.12B |
| Common Stock Repurchase | N/A | N/A |
Short Interest & Institutional Ownership Analysis
| Metric | JIOFIN | IRFC |
|---|---|---|
| Shares Short | N/A | N/A |
| Short Ratio | N/A | N/A |
| Short % of Float | N/A | N/A |
| Shares Outstanding | 6.35B | 13.07B |
| Float Shares | 3.27B | 2.00B |
| % Held by Insiders | 46.44% | 84.65% |
| % Held by Institutions | 20.96% | 2.15% |
| % Held by Public | 32.60% | 13.20% |
Dividend Analysis & Yield Comparison: Jio Financial Services Limited vs Indian Railway Finance Corporation Ltd.
| Metric | JIOFIN | IRFC |
|---|---|---|
| Last 12-Month Dividend | ₹0.50 | ₹2.90 |
| Last 12-Month Dividend Yield | 0.15% | 2.98% |
| 3-Year Avg Annual Dividend | ₹0.17 | ₹1.97 |
| 3-Year Avg Dividend Yield | 0.15% | 0.78% |
| 3-Year Total Dividends | ₹0.50 | ₹5.90 |
| Ex-Dividend Date | Aug 11, 2025 | Mar 13, 2026 |