TickerKhojComparison · NSE · data 2026-11-02
Indian Railway Finance Corp. Ltd. vs Tata Capital Ltd.
In plain words
Size: Tata Capital Ltd. is about 1.4 times the market value of Indian Railway Finance Corp. Ltd..
Valuation (P/E): Tata Capital Ltd. 22.9 vs Indian Railway Finance Corp. Ltd. 13.4.
Profit growth over 3 years: Tata Capital Ltd. 17% a year vs Indian Railway Finance Corp. Ltd. 4.4% a year.
Debt to equity: Indian Railway Finance Corp. Ltd. 7.69 vs Tata Capital Ltd. 5.15.
Differences in the numbers, not a recommendation of either stock.
Side by side
| IRFC | TATACAP | |
|---|---|---|
| Price | ₹75.3 | ₹323.7 |
| Market cap | ₹95,923 cr | ₹1,34,905 cr |
| P/E | 13.4 | 22.9 |
| P/B | 1.6 | 2.8 |
| ROE | 12.8% | 12.3% |
| ROCE | — | — |
| Debt / equity | 7.69 | 5.15 |
| Operating margin | 25.1% | 31.5% |
| Dividend yield | 2.86% | 0.18% |
| Sales growth, 3 years (yearly) | 4.8% | 34.8% |
| Profit growth, 3 years (yearly) | 4.4% | 17.0% |
| 1-year return | -39.3% | -1.9% |
| Revenue, last 12 months | ₹30,364 cr | ₹34,070 cr |
| Net profit, last 12 months | ₹7,372 cr | ₹5,966 cr |
| Latest quarter | Sept 2026 | Sept 2026 |
| Quarter net profit | ₹1,958 cr | ₹1,660 cr |
| Quarter profit vs a year earlier | +10.2% | +51.3% |
| Promoter holding | 82.90% | 85.41% |
| Health check | Average (4.5/10) | Average (5/10) |
Common questions
Which has a higher P/E, Indian Railway Finance Corp. Ltd. or Tata Capital Ltd.?
Tata Capital Ltd. trades at the higher P/E (22.9 against 13.4). A higher P/E means the market pays more for each rupee of past earnings; on its own it does not say which is better.
Which earns a higher return on equity?
Indian Railway Finance Corp. Ltd. (12.8% against 12.3%).
Which carries more debt?
Indian Railway Finance Corp. Ltd. has the higher debt-to-equity ratio (7.69 against 5.15).