Poonawalla Fincorp [POONAWALLA] vs Indian Railway [IRFC] Detailed Stock Comparison

Poonawalla Fincorp 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: Poonawalla Fincorp Ltd. wins in 7 metrics, Indian Railway Finance Corporation Ltd. wins in 12 metrics, with 0 ties. Indian Railway Finance Corporation Ltd. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Poonawalla Fincorp Ltd. Indian Railway Finance Corporation Ltd. Better
P/E Ratio (TTM) 93.61 19.72 Indian Railway Finance Corporation Ltd.
Price-to-Book Ratio 3.30 2.44 Indian Railway Finance Corporation Ltd.
Debt-to-Equity Ratio 425.94 744.59 Poonawalla Fincorp Ltd.
PEG Ratio -0.72 1.62 Indian Railway Finance Corporation Ltd.
EV/EBITDA 54.50 38.53 Indian Railway Finance Corporation Ltd.
Profit Margin (TTM) 13.77% 97.32% Indian Railway Finance Corporation Ltd.
Operating Margin (TTM) 24.29% 97.52% Indian Railway Finance Corporation Ltd.
EBITDA Margin (TTM) 24.29% 97.52% Indian Railway Finance Corporation Ltd.
Return on Equity -1.20% 12.90% Indian Railway Finance Corporation Ltd.
Return on Assets (TTM) -0.28% 1.43% Indian Railway Finance Corporation Ltd.
Free Cash Flow (TTM) $-106.13B $82.29B Indian Railway Finance Corporation Ltd.
Dividend Yield N/A 2.98% N/A
1-Year Return -5.18% -29.82% Poonawalla Fincorp Ltd.
Price-to-Sales Ratio (TTM) 14.38 19.23 Poonawalla Fincorp Ltd.
Enterprise Value $762.81B $5,586.60B Indian Railway Finance Corporation Ltd.
EV/Revenue Ratio 30.08 77.59 Poonawalla Fincorp Ltd.
Gross Profit Margin (TTM) 42.34% 27.64% Poonawalla Fincorp Ltd.
Revenue per Share (TTM) $32 $6 Poonawalla Fincorp Ltd.
Earnings per Share (Diluted) $4.45 $5.37 Indian Railway Finance Corporation Ltd.
Beta (Stock Volatility) 0.29 0.31 Poonawalla Fincorp Ltd.

Poonawalla Fincorp Ltd. vs Indian Railway Finance Corporation Ltd. Stock Performance Analysis

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POONAWALLA
IRFC

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Poonawalla Fincorp Ltd.0.38%0.32%-8.99%-9.27%-16.31%-17.67%
Indian Railway Finance Corporation Ltd.-0.95%-2.63%-7.41%-2.69%-16.96%-23.15%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Poonawalla Fincorp Ltd.-5.18%10.32%131.47%312.78%416.67%1,372.50%
Indian Railway Finance Corporation Ltd.-29.82%204.72%311.43%293.19%293.19%293.19%

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

MetricPOONAWALLAIRFC
Market Information
Market Cap i₹364.66B₹1.37T
Market Cap CategoryLarge capLarge cap
10 Day Avg. Volume i3,334,38519,585,596
90 Day Avg. Volume i2,134,32617,590,635
Last Close₹399.30₹95.75
52 Week Range₹361.20 - ₹570.40₹87.00 - ₹148.95
% from 52W High-30.00%-35.72%
All-Time High₹570.40 (Oct 06, 2025)₹229.00 (Jul 15, 2024)
% from All-Time High-30.00%-58.19%
Growth Metrics
Quarterly Revenue Growth0.42%0.11%
Quarterly Earnings Growth7.04%0.11%
Financial Health
Profit Margin (TTM) i0.14%0.97%
Operating Margin (TTM) i0.24%0.98%
Return on Equity (TTM) i-0.01%0.13%
Debt to Equity (MRQ) i425.94744.59
Cash & Liquidity
Book Value per Share (MRQ)₹126.41₹43.36
Cash per Share (MRQ)₹5.49₹0.89
Operating Cash Flow (TTM) i₹-220,099,706,880₹-100,112,400,384
Levered Free Cash Flow (TTM) i₹-983,400,000₹65.02B
Dividends
Last 12-Month Dividend Yield iN/A2.98%
Last 12-Month Dividend i₹0.00₹2.90

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

MetricPOONAWALLA (Apr 26, 2026)IRFC (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i93.6119.72
Forward P/E i26.9315.35
PEG Ratio i-0.721.62
Price to Sales (TTM) i14.3819.23
Price to Book (MRQ) i3.302.44
Market Capitalization
Market Capitalization i₹364.66B₹1.37T
Enterprise Value i₹762.81B₹5.59T
Enterprise Value Metrics
Enterprise to Revenue i30.0877.59
Enterprise to EBITDA i54.5038.53
Risk & Other Metrics
Beta i0.290.31
Book Value per Share (MRQ) i₹126.41₹43.36

Financial Statements Comparison: Poonawalla Fincorp 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

MetricPOONAWALLA (2025)IRFC (2025)
Revenue/Sales i40.00B270.65B
Cost of Goods Sold i19.86B124.63B
COGS % of Revenue i49.6%46.0%
Gross Profit i20.14B146.01B
Gross Margin i50.4%54.0%
Research & Development iN/AN/A
Operating Income (EBIT) i12.25B144.53B
Operating Margin i30.6%53.4%
EBITDA i14.00B144.99B
EBITDA Margin i35.0%53.6%
Pre-Tax Income i-1.35B65.02B
Pre-Tax Income % of Revenue i-3.4%24.0%
Income Tax i-370.60M0
Income Tax % of Revenue i-0.9%0.0%
Net Income (Profit) i-983.40M65.02B
Profit Margin i-2.5%24.0%

Balance Sheet & Liquidity Metrics

MetricPOONAWALLA (2025)IRFC (2025)
Cash & Equivalents i246.50M56.80B
Total Current Assets i137.48B433.95B
Total Current Assets % of Revenue i343.7%160.3%
Total Current Liabilities i147.27B402.00B
Total Current Liabilities % of Revenue i368.1%148.5%
Long-Term Debt i120.85B3.94T
Long-Term Debt % of Revenue i302.1%1,457.5%
Total Shareholders Equity i81.75B526.68B
Retained Earnings i16.60B131.41B
Retained Earnings % of Revenue i41.5%48.6%
Property, Plant & Equipment i1.27B169.30M

Cash Flow Statement Comparison

MetricPOONAWALLA (2025)IRFC (2025)
Operating Cash Flow i-120.92B81.77B
Operating Cash Flow % of Revenue i-302.3%30.2%
Capital Expenditures i-128.80M-8.20M
Free Cash Flow i-106.13B82.29B
FCF Margin i-265.3%30.4%
Debt Repayment i-93.04B-233.12B
Common Stock Repurchase iN/AN/A

Short Interest & Institutional Ownership Analysis

MetricPOONAWALLAIRFC
Shares Short iN/AN/A
Short Ratio iN/AN/A
Short % of Float iN/AN/A
Shares Outstanding i875.42M13.07B
Float Shares i322.45M2.00B
% Held by Insiders i62.81%84.65%
% Held by Institutions i16.39%2.15%
% Held by Public i20.80%13.20%

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

MetricPOONAWALLAIRFC
Last 12-Month Dividend i₹0.00₹2.90
Last 12-Month Dividend Yield iN/A2.98%
3-Year Avg Annual Dividend i₹1.47₹1.97
3-Year Avg Dividend Yield i0.37%0.78%
3-Year Total Dividends i₹4.40₹5.90
Ex-Dividend DateJan 31, 2024Mar 13, 2026