Indian Railway Finance Corporation Limited vs REC Limited
An objective side-by-side of IRFC and RECLTD, both in Finance - Term-Lending Institutions: valuation, profitability, growth, balance sheet, ownership and share-price performance. Where one number is clearly better on its own terms (lower P/E, higher ROE), it is shaded. That is a description, not a recommendation.
Prices as of 2026-11-05 close
Latest results: IRFC Sep 2026 · RECLTD Sep 2026
At a glance
- Indian Railway Finance Corporation Limited is the larger company by market value, about 1.3 times the size of REC Limited.
- On trailing earnings, REC Limited trades at the lower P/E (5.2 against 14.2).
- REC Limited earns the higher return on equity (15.9% against 13.0%).
- Over three years REC Limited has grown profits faster (13% a year against 3%).
- Over the past year the share prices returned -35.3% (IRFC) and -21.8% (RECLTD).
| Metric | Indian Railway IRFC |
REC RECLTD |
|---|---|---|
| Size and price | ||
| Market cap | ₹104,718 Cr | ₹77,878 Cr |
| Share price | ₹80.13 | ₹295.75 |
| Valuation | ||
| P/E | 14.21 | 5.16 |
| P/B | 1.85 | 0.82 |
| PEG | 4.74 | 0.40 |
| Dividend yield | 2.6% | 6.1% |
| Profitability | ||
| ROE | 13.0% | 15.9% |
| Sales (TTM) | ₹30,364 Cr | ₹59,123 Cr |
| Net profit (TTM) | ₹7,372 Cr | ₹15,098 Cr |
| Growth | ||
| Latest quarter sales YoY | +24.4% | -1.0% |
| Latest quarter profit YoY | +10.2% | -21.2% |
| Sales CAGR 3Y | +5.0% | +15.0% |
| Profit CAGR 3Y | +3.0% | +13.0% |
| Sales CAGR 5Y | +12.0% | +11.0% |
| Profit CAGR 5Y | +10.0% | +14.0% |
| Ownership | ||
| Promoter holding | 82.9% | 52.6% |
| Promoter change (4 qtrs) | -3.46 pp | +0.00 pp |
| Price performance | ||
| Return 1M | +3.93% | -1.42% |
| Return 3M | -9.87% | -19.19% |
| Return 1Y | -35.35% | -21.82% |
| Return YTD | -35.70% | -17.11% |
| Technical condition | ||
| Technical score | 55 | 28 |
| RS rating (1-99) | 17.00 | 22.00 |
| % vs 200-DMA | -15.00% | -13.08% |
| RSI (14) | 58.23 | 48.06 |
| % from 52-week high | -41.58% | -23.74% |
