Indian Railway Finance Corp. Ltd. (IRFC) AI Stock Analysis

Company Guidance

Management said FY 2027 disbursements will surpass last FY’s INR 35,000 crores and that guidance remains intact, with lending to metro, ports, renewable energy, thermal power Gencos and maybe road linkages almost ready to be disbursed in Q3 or early Q4; the railway opportunity includes a 2,000 km plus dedicated freight corridor costing around more than INR 3 lakh crore, seven high-speed rail corridors and eight freight lines, with the overall pie more than INR 20 lakh crore and potentially minimum INR 50,000 crore every year from FY 2028 onwards for next decade, minimum, while diversification will continue with disbursement maybe in tune of INR 50,000 crore plus minus; AUM is expected to reach near about INR 5 lakh crore, maybe more than that, maybe a thousand or 2,000 missing on that, by year-end and perhaps by the end of Q3, PAT is expected to grow nearly to 10% through 2030, when the mix is forecast at 60% pure railways and 40% diversification, WACC is expected to remain 6.55%, minimum margin is 85 paisa and at least 90 paisa, and H2 numbers are expected to be kind of replica of H1, with ROE growth nearly 14% and ROA growth near 5%.