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BOM/543257 (BOM/543257)

Bombay Stock Exchange: BOM/543257 · INR

₹74.5

-0.06 (-0.1%)· Recorded snapshot

Market cap	975.3B
Revenue (ttm)	76B
Net income (ttm)	73.7B
EPS (ttm)	₹5.63
P/E (trailing)	13.2x
P/E (forward)	10.8x
Dividend	₹2.20 (2.95%)
Volume	770,172

Market data

Price

Recent price action with selectable time range.

Metric	Value
Amount currency	INR
Country	India
Country code	IN
Earnings date	2026-10-15
Employees	59
Employees change	14
Employees growth	31.11%
Exchange	Bombay Stock Exchange
Financial currency	INR
Financial report date	2026-09-30
First seen	2026-05-10
Fiscal year end	March
Founded	1986
Industry	Credit Services
Is primary listing	No
ISIN number	INE053F01010
Last earnings date	2026-10-15
Last refreshed	2026-10-28
Market cap	INR 975.3B
Next earnings date	2026-10-30
Price	INR 74.50
Price currency	INR
Sector	Financials
SIC code	6159
Stock price date	2026-10-28
Symbol	bom/543257
Website	https://irfc.co.in

Metric

Value

Amount currency

INR

Country

India

Country code

Earnings date

2026-10-15

Employees

Employees change

Employees growth

31.11%

Exchange

Bombay Stock Exchange

Financial currency

INR

Financial report date

2026-09-30

First seen

2026-05-10

Fiscal year end

March

Founded

1986

Industry

Credit Services

Is primary listing

ISIN number

INE053F01010

Last earnings date

2026-10-15

Last refreshed

2026-10-28

Market cap

INR 975.3B

Next earnings date

2026-10-30

Price

INR 74.50

Price currency

INR

Sector

Financials

SIC code

6159

Stock price date

2026-10-28

Symbol

bom/543257

Website

https://irfc.co.in

Metric	Value
Average P/E ratio (3Y)	24.49x
Average P/E ratio (5Y)	17.39x
Earnings yield	7.56%
FCF yield	-7.29%
Forward P/E	10.85x
Graham number	76.62965
Graham upside	2.78%
Industry forward P/E	11.14x
Industry P/E	12.93x
Lynch fair value	INR 33.30
Lynch upside	-55.34%
P/B ratio	1.61x
P/E ratio	13.23x
P/S ratio	12.84x
Price / tangible book value	1.61x
Sector forward P/E	12.12x
Sector P/E	13.42x

Metric

Value

Average P/E ratio (3Y)

24.49x

Average P/E ratio (5Y)

17.39x

Earnings yield

7.56%

FCF yield

-7.29%

Forward P/E

10.85x

Graham number

76.62965

Graham upside

2.78%

Industry forward P/E

11.14x

Industry P/E

12.93x

Lynch fair value

INR 33.30

Lynch upside

-55.34%

P/B ratio

1.61x

P/E ratio

13.23x

P/S ratio

12.84x

Price / tangible book value

1.61x

Sector forward P/E

12.12x

Sector P/E

13.42x

Metric	Value
Gross margin	99.97%
Operating margin	97.06%
Pretax margin	97.06%
Profit margin	97.06%
Profit per employee	INR 1.2B
Profitable quarters	53
Profitable years	14
Revenue per employee	INR 1.3B
ROA	1.43%
ROA (5Y)	1.36%
ROE	12.63%
ROE (5Y)	13.9%
ROIC	1.49%
ROIC (5Y)	1.43%

Metric

Value

Gross margin

99.97%

Operating margin

97.06%

Pretax margin

97.06%

Profit margin

97.06%

Profit per employee

INR 1.2B

Profitable quarters

Profitable years

Revenue per employee

INR 1.3B

ROA

1.43%

ROA (5Y)

1.36%

ROE

12.63%

ROE (5Y)

13.9%

ROIC

1.49%

ROIC (5Y)

1.43%

Metric	Value
EPS growth	7.54%
EPS growth (Q)	10.29%
EPS growth (QoQ)	2.04%
EPS growth 10Y	10.29%
EPS growth 3Y	7.71%
EPS growth 5Y	5.22%
EPS growth quarters	2
EPS growth years	8
Net income growth	7.86%
Net income growth (Q)	10.21%
Net income growth (QoQ)	1.62%
Net income growth 3Y	7.79%
Net income growth 5Y	5.91%
Net income growth quarters	6
Net income growth years	13
Operating income growth	7.86%
Operating income growth (Q)	10.21%
Operating income growth 3Y	7.79%
Operating income growth 5Y	5.91%
Revenue growth	8.15%
Revenue growth (Q)	10.11%
Revenue growth (QoQ)	1.85%
Revenue growth 10Y	14.53%
Revenue growth 3Y	7.86%
Revenue growth 5Y	6.12%
Revenue growth quarters	3
Revenue growth years	13

Metric

Value

EPS growth

7.54%

EPS growth (Q)

10.29%

EPS growth (QoQ)

2.04%

EPS growth 10Y

10.29%

EPS growth 3Y

7.71%

EPS growth 5Y

5.22%

EPS growth quarters

EPS growth years

Net income growth

7.86%

Net income growth (Q)

10.21%

Net income growth (QoQ)

1.62%

Net income growth 3Y

7.79%

Net income growth 5Y

5.91%

Net income growth quarters

Net income growth years

Operating income growth

7.86%

Operating income growth (Q)

10.21%

Operating income growth 3Y

7.79%

Operating income growth 5Y

5.91%

Revenue growth

8.15%

Revenue growth (Q)

10.11%

Revenue growth (QoQ)

1.85%

Revenue growth 10Y

14.53%

Revenue growth 3Y

7.86%

Revenue growth 5Y

6.12%

Revenue growth quarters

Revenue growth years

Metric	Value
Capital expenditures	INR -131.2M
Depreciation and amortization	INR 65.6M
EPS	INR 5.63
Financing cash flow	INR 183B
Free cash flow	INR -71.1B
Gross profit	INR 75.9B
Investing cash flow	INR -28.6M
Net borrowing	INR 210.4B
Net cash flow	INR 112B
Net income	INR 73.7B
Operating income	INR 73.7B
Revenue	INR 76B

Metric

Value

Capital expenditures

INR -131.2M

Depreciation and amortization

INR 65.6M

EPS

INR 5.63

Financing cash flow

INR 183B

Free cash flow

INR -71.1B

Gross profit

INR 75.9B

Investing cash flow

INR -28.6M

Net borrowing

INR 210.4B

Net cash flow

INR 112B

Net income

INR 73.7B

Operating income

INR 73.7B

Revenue

INR 76B

Metric	Value
Book value per share	INR 46.39
Debt / equity	7.15
Net cash (debt)	INR -4T
Net cash / market cap	-408.53%
Net debt / equity	6.58
Piotroski F-Score	4
Property, plant and equipment	INR 165.4M
Shareholders' equity	INR 605.7B
Tangible book value	INR 605.6B
Tangible book value per share	INR 46.39
Total assets	INR 5.3T
Total cash	INR 347B
Total debt	INR 4.3T
Total liabilities	INR 4.7T

Metric

Value

Book value per share

INR 46.39

Debt / equity

7.15

Net cash (debt)

INR -4T

Net cash / market cap

-408.53%

Net debt / equity

6.58

Piotroski F-Score

Property, plant and equipment

INR 165.4M

Shareholders' equity

INR 605.7B

Tangible book value

INR 605.6B

Tangible book value per share

INR 46.39

Total assets

INR 5.3T

Total cash

INR 347B

Total debt

INR 4.3T

Total liabilities

INR 4.7T

Metric	Value
Asset turnover	0.01
Current ratio	12.3
Quick ratio	12.29
Working capital	INR 4T
Working capital turnover	0.02

Metric

Value

Asset turnover

0.01

Current ratio

12.3

Quick ratio

12.29

Working capital

INR 4T

Working capital turnover

0.02

Metric	Value
Buyback yield / dilution	-0.23%
Dividend growth	18.92%
Dividend growth (3Y)	13.62%
Dividend growth (5Y)	3.87%
Dividend growth years	1
Dividend payment date	2026-11-14
Dividend payment years	6
Dividend payout frequency	Semi-Annual
Dividend per share	INR 2.20
Dividend yield	2.95%
Ex-dividend date	2026-10-23
Last dividend	INR 1.15
Payout ratio	37.23%
Shareholder yield	2.72%

Metric

Value

Buyback yield / dilution

-0.23%

Dividend growth

18.92%

Dividend growth (3Y)

13.62%

Dividend growth (5Y)

3.87%

Dividend growth years

Dividend payment date

2026-11-14

Dividend payment years

Dividend payout frequency

Semi-Annual

Dividend per share

INR 2.20

Dividend yield

2.95%

Ex-dividend date

2026-10-23

Last dividend

INR 1.15

Payout ratio

37.23%

Shareholder yield

2.72%

Metric	Value
150-day SMA	INR 90.32
1D price change	-0.08%
1M price change	-6.88%
1M total return	-5.46%
1W price change	-2.99%
1W total return	-1.53%
1Y price change	-39.63%
1Y return CAGR	-38.08%
1Y total return	-38.06%
20-day SMA	INR 76.97
200-day SMA	INR 95.65
3M price change	-15.45%
3M total return	-14.17%
3Y price change	3.52%
3Y return CAGR	3.21%
3Y total return	9.96%
50-day SMA	INR 80.36
50-day SMA vs 200-day SMA	50under200
52-week high	INR 137.10
52-week high date	2025-12-29
52-week low	INR 73.20
52-week low date	2026-10-27
5Y price change	199.8%
5Y return CAGR	28.54%
5Y total return	250.89%
6M price change	-29.42%
6M total return	-28.35%
All-time high	INR 229.05
All-time high date	2024-07-15
All-time low	INR 19.30
All-time low date	2022-06-20
Average true range (ATR)	INR 2.05
Average volume	1.1M
Change from 52-week high	-45.66%
Change from 52-week low	1.78%
Change from all-time high	-67.47%
Change from all-time low	286.01%
Change from open	0.49%
Day's gap	-0.56%
Dollar volume	INR 57.4M
High price	INR 75.32
Low price	INR 73.24
Monthly RSI	36.28
Open price	INR 74.14
Position in 52-week range	60.58%
Previous close	INR 74.56
Price vs 150-day SMA	-17.51%
Price vs 20-day SMA	-3.21%
Price vs 200-day SMA	-22.11%
Price vs 50-day SMA	-7.3%
Relative volume	0.7
RSI	36.97
Sharpe ratio	-1.67
Sharpe ratio (3Y)	0.14
Sharpe ratio (5Y)	0.77
Sortino ratio	-2.12
Sortino ratio (3Y)	0.38
Sortino ratio (5Y)	1.48
Volume	770.2K
Weekly RSI	29.59
YTD price change	-40.21%
YTD total return	-38.66%

Metric

Value

150-day SMA

INR 90.32

1D price change

-0.08%

1M price change

-6.88%

1M total return

-5.46%

1W price change

-2.99%

1W total return

-1.53%

1Y price change

-39.63%

1Y return CAGR

-38.08%

1Y total return

-38.06%

20-day SMA

INR 76.97

200-day SMA

INR 95.65

3M price change

-15.45%

3M total return

-14.17%

3Y price change

3.52%

3Y return CAGR

3.21%

3Y total return

9.96%

50-day SMA

INR 80.36

50-day SMA vs 200-day SMA

50under200

52-week high

INR 137.10

52-week high date

2025-12-29

52-week low

INR 73.20

52-week low date

2026-10-27

5Y price change

199.8%

5Y return CAGR

28.54%

5Y total return

250.89%

6M price change

-29.42%

6M total return

-28.35%

All-time high

INR 229.05

All-time high date

2024-07-15

All-time low

INR 19.30

All-time low date

2022-06-20

Average true range (ATR)

INR 2.05

Average volume

1.1M

Change from 52-week high

-45.66%

Change from 52-week low

1.78%

Change from all-time high

-67.47%

Change from all-time low

286.01%

Change from open

0.49%

Day's gap

-0.56%

Dollar volume

INR 57.4M

High price

INR 75.32

Low price

INR 73.24

Monthly RSI

36.28

Open price

INR 74.14

Position in 52-week range

60.58%

Previous close

INR 74.56

Price vs 150-day SMA

-17.51%

Price vs 20-day SMA

-3.21%

Price vs 200-day SMA

-22.11%

Price vs 50-day SMA

-7.3%

Relative volume

0.7

RSI

36.97

Sharpe ratio

-1.67

Sharpe ratio (3Y)

0.14

Sharpe ratio (5Y)

0.77

Sortino ratio

-2.12

Sortino ratio (3Y)

0.38

Sortino ratio (5Y)

1.48

Volume

770.2K

Weekly RSI

29.59

YTD price change

-40.21%

YTD total return

-38.66%

Metric	Value
Float	2.2B
Shares change (QoQ)	-0.41%
Shares change (YoY)	0.23%
Shares held by institutions	3.33%

Metric

Value

Float

2.2B

Shares change (QoQ)

-0.41%

Shares change (YoY)

0.23%

Shares held by institutions

3.33%

BOM/543257 (BOM/543257)

Price

Financial snapshot

Fair-value bridge

Latest news · BOM/543257

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All BOM/543257 indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on BOM/543257

Frequently asked questions