Share Price and Basic Stock Data
Last Updated: January 28, 2026, 11:04 am
| PEG Ratio | 3.70 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Motor & General Finance Ltd operates within the Finance & Investments sector, reporting a market capitalization of ₹87.8 Cr and a current price of ₹22.4 per share. The company has experienced fluctuating sales over the past periods, with revenues of ₹1.37 Cr in September 2022 and rising to ₹1.53 Cr by September 2023. The most recent quarter, December 2023, recorded sales of ₹1.53 Cr, consistent with the previous quarter. However, it is noteworthy that annual sales have shown a slight recovery from ₹5.43 Cr in FY 2023 to ₹6.20 Cr in FY 2024, with a TTM value of ₹6.95 Cr. This signals a potential stabilization in revenue generation, although the overall trend remains below historical highs, reflecting challenges in the competitive landscape of the finance sector.
Profitability and Efficiency Metrics
The company’s profitability has been under pressure, with a reported net profit of ₹1.52 Cr, translating to a net profit margin of 11.95% as of March 2025. This margin is an improvement from the previous year, which stood at 19.47%. However, the operating profit margin (OPM) has consistently remained negative, recorded at -7.74% in the latest quarter, indicating ongoing operational challenges. Efficiency metrics such as the interest coverage ratio (ICR) have shown improvement, standing at 10.84x, suggesting that the company can comfortably meet its interest obligations. Nevertheless, the return on equity (ROE) at 1.07% and return on capital employed (ROCE) at 1.32% reflect low returns relative to capital invested, which is concerning compared to typical sector ranges.
Balance Sheet Strength and Financial Ratios
Motor & General Finance Ltd maintains a conservative balance sheet with borrowings of just ₹0.37 Cr, indicating minimal leverage. The reserves stood at ₹57.58 Cr, providing a cushion against financial volatility. The current ratio is healthy at 1.99, which typically indicates strong liquidity. However, the company demonstrates a price-to-book value (P/BV) ratio of 1.92x, which is relatively high compared to sector norms, suggesting that the stock may be overvalued in relation to its net assets. The total assets reported at ₹172.90 Cr reflect stability, but the asset turnover ratio of 0.04 indicates inefficient use of assets in generating sales. This inefficiency presents a challenge for the company in maximizing its asset base to drive profitability.
Shareholding Pattern and Investor Confidence
The shareholding structure of Motor & General Finance Ltd reveals a strong promoter holding of 69.60%, which may indicate a commitment to the company’s long-term strategy. However, foreign institutional investors (FIIs) hold only 2.66%, and domestic institutional investors (DIIs) have a minimal stake of 0.04%, suggesting limited institutional interest, which could impact liquidity and investor confidence. The public shareholding is at 27.70%, with the number of shareholders increasing to 10,166 as of September 2025. This growing base may be seen as a positive sign, indicating a potential for increased retail participation. However, the concentration of ownership among promoters raises questions about governance and the ability to attract broader institutional investment.
Outlook, Risks, and Final Insight
The outlook for Motor & General Finance Ltd hinges on its ability to enhance operational efficiency and profitability. Key risks include the persistent negative operating profit margins and low returns on equity, which could deter potential investors. Furthermore, the company’s high P/BV ratio may lead to valuation concerns amidst ongoing operational challenges. On the positive side, the low debt levels and increasing shareholder base suggest a foundation for future growth, provided the company can leverage its asset base more effectively. The ability to convert sales into profits and improve operational metrics will be critical for regaining investor confidence and achieving sustainable growth in the competitive finance sector.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Modern Shares & Stockbrokers Ltd | 11.4 Cr. | 39.0 | 57.0/36.4 | 45.7 | 44.4 | 0.00 % | 3.32 % | 1.74 % | 10.0 |
| Monarch Networth Capital Ltd | 2,190 Cr. | 276 | 455/269 | 13.6 | 111 | 0.37 % | 33.3 % | 26.2 % | 10.0 |
| Monotype India Ltd | 28.8 Cr. | 0.41 | 1.23/0.38 | 3.99 | 0.03 | 0.00 % | 286 % | % | 1.00 |
| Multipurpose Trading & Agencies Ltd | 3.75 Cr. | 7.58 | 11.6/7.58 | 9.25 | 0.00 % | 3.68 % | 3.38 % | 10.0 | |
| Munoth Financial Services Ltd | 17.9 Cr. | 34.8 | 69.9/34.8 | 19.9 | 0.00 % | 2.41 % | 3.38 % | 10.0 | |
| Industry Average | 7,085.64 Cr | 1,245.74 | 67.41 | 3,844.55 | 0.38% | 21.71% | 14.20% | 7.28 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 1.37 | 1.35 | 1.36 | 1.49 | 1.53 | 1.53 | 1.65 | 1.74 | 1.74 | 1.74 | 1.74 | 1.79 | 1.68 |
| Expenses | 1.62 | 1.94 | 4.57 | 1.71 | 2.06 | 1.73 | 0.54 | 1.76 | 1.90 | 1.98 | 2.16 | 1.82 | 1.81 |
| Operating Profit | -0.25 | -0.59 | -3.21 | -0.22 | -0.53 | -0.20 | 1.11 | -0.02 | -0.16 | -0.24 | -0.42 | -0.03 | -0.13 |
| OPM % | -18.25% | -43.70% | -236.03% | -14.77% | -34.64% | -13.07% | 67.27% | -1.15% | -9.20% | -13.79% | -24.14% | -1.68% | -7.74% |
| Other Income | 0.58 | 0.56 | 1.66 | 0.61 | 0.62 | 0.62 | 0.73 | 0.70 | 0.81 | 0.73 | 0.72 | 0.58 | 1.56 |
| Interest | 0.11 | 0.12 | 0.11 | 0.10 | 0.11 | 0.11 | 0.09 | 0.09 | 0.06 | 0.04 | 0.01 | 0.06 | 0.07 |
| Depreciation | 0.32 | 0.32 | 0.32 | 0.29 | 0.29 | 0.29 | 0.30 | 0.28 | 0.28 | 0.28 | 0.28 | 0.26 | 0.26 |
| Profit before tax | -0.10 | -0.47 | -1.98 | 0.00 | -0.31 | 0.02 | 1.45 | 0.31 | 0.31 | 0.17 | 0.01 | 0.23 | 1.10 |
| Tax % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | |
| Net Profit | -0.10 | -0.47 | -1.98 | 0.00 | -0.31 | 0.02 | 1.45 | 0.31 | 0.31 | 0.17 | 0.01 | 0.23 | 1.11 |
| EPS in Rs | -0.03 | -0.12 | -0.51 | 0.00 | -0.08 | 0.01 | 0.37 | 0.08 | 0.08 | 0.04 | 0.00 | 0.06 | 0.29 |
Last Updated: December 28, 2025, 8:39 pm
Below is a detailed analysis of the quarterly data for Motor & General Finance Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Sales, as of Sep 2025, the value is 1.68 Cr.. The value appears to be declining and may need further review. It has decreased from 1.79 Cr. (Jun 2025) to 1.68 Cr., marking a decrease of 0.11 Cr..
- For Expenses, as of Sep 2025, the value is 1.81 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 1.82 Cr. (Jun 2025) to 1.81 Cr., marking a decrease of 0.01 Cr..
- For Operating Profit, as of Sep 2025, the value is -0.13 Cr.. The value appears to be declining and may need further review. It has decreased from -0.03 Cr. (Jun 2025) to -0.13 Cr., marking a decrease of 0.10 Cr..
- For OPM %, as of Sep 2025, the value is -7.74%. The value appears to be declining and may need further review. It has decreased from -1.68% (Jun 2025) to -7.74%, marking a decrease of 6.06%.
- For Other Income, as of Sep 2025, the value is 1.56 Cr.. The value appears strong and on an upward trend. It has increased from 0.58 Cr. (Jun 2025) to 1.56 Cr., marking an increase of 0.98 Cr..
- For Interest, as of Sep 2025, the value is 0.07 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 0.06 Cr. (Jun 2025) to 0.07 Cr., marking an increase of 0.01 Cr..
- For Depreciation, as of Sep 2025, the value is 0.26 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.26 Cr..
- For Profit before tax, as of Sep 2025, the value is 1.10 Cr.. The value appears strong and on an upward trend. It has increased from 0.23 Cr. (Jun 2025) to 1.10 Cr., marking an increase of 0.87 Cr..
- For Tax %, as of Sep 2025, the value is 0.00%. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00%.
- For Net Profit, as of Sep 2025, the value is 1.11 Cr.. The value appears strong and on an upward trend. It has increased from 0.23 Cr. (Jun 2025) to 1.11 Cr., marking an increase of 0.88 Cr..
- For EPS in Rs, as of Sep 2025, the value is 0.29. The value appears strong and on an upward trend. It has increased from 0.06 (Jun 2025) to 0.29, marking an increase of 0.23.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 4:31 am
| Metric | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 14.72 | 15.16 | 14.74 | 11.67 | 9.74 | 6.21 | 2.49 | 4.59 | 5.43 | 6.20 | 6.97 | 6.95 |
| Expenses | 12.61 | 11.43 | 11.61 | 10.13 | 12.28 | 11.76 | 4.86 | 6.82 | 9.90 | 6.02 | 7.80 | 7.77 |
| Operating Profit | 2.11 | 3.73 | 3.13 | 1.54 | -2.54 | -5.55 | -2.37 | -2.23 | -4.47 | 0.18 | -0.83 | -0.82 |
| OPM % | 14.33% | 24.60% | 21.23% | 13.20% | -26.08% | -89.37% | -95.18% | -48.58% | -82.32% | 2.90% | -11.91% | -11.80% |
| Other Income | 5.07 | 4.72 | 1.01 | 1.48 | 0.79 | 4.16 | 2.41 | 1.67 | 3.57 | 2.57 | 2.95 | 3.59 |
| Interest | 7.03 | 5.51 | 5.25 | 3.90 | 1.28 | 0.77 | 0.63 | 0.48 | 0.45 | 0.42 | 0.20 | 0.18 |
| Depreciation | 0.90 | 1.00 | 1.25 | 1.17 | 1.46 | 1.29 | 1.28 | 1.41 | 1.28 | 1.17 | 1.13 | 1.08 |
| Profit before tax | -0.75 | 1.94 | -2.36 | -2.05 | -4.49 | -3.45 | -1.87 | -2.45 | -2.63 | 1.16 | 0.79 | 1.51 |
| Tax % | 28.00% | 27.32% | -30.93% | -38.54% | -18.71% | 0.87% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | |
| Net Profit | -2.21 | -0.05 | -1.63 | -1.27 | -3.65 | -3.49 | -1.87 | -2.46 | -2.62 | 1.16 | 0.80 | 1.52 |
| EPS in Rs | -0.57 | -0.01 | -0.42 | -0.33 | -0.94 | -0.90 | -0.48 | -0.64 | -0.68 | 0.30 | 0.21 | 0.39 |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
YoY Net Profit Growth
| Year | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 97.74% | -3160.00% | 22.09% | -187.40% | 4.38% | 46.42% | -31.55% | -6.50% | 144.27% | -31.03% |
| Change in YoY Net Profit Growth (%) | 0.00% | -3257.74% | 3182.09% | -209.49% | 191.79% | 42.03% | -77.97% | 25.05% | 150.78% | -175.31% |
Motor & General Finance Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 10 years from 2015-2016 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | -7% |
| 5 Years: | 2% |
| 3 Years: | 15% |
| TTM: | 9% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 8% |
| 5 Years: | 17% |
| 3 Years: | 32% |
| TTM: | -51% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 2% |
| 5 Years: | 8% |
| 3 Years: | -3% |
| 1 Year: | -29% |
| Return on Equity | |
|---|---|
| 10 Years: | -2% |
| 5 Years: | -1% |
| 3 Years: | 0% |
| Last Year: | 1% |
Last Updated: September 5, 2025, 1:46 pm
Balance Sheet
Last Updated: December 10, 2025, 3:32 am
| Month | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 19.36 | 19.36 | 19.36 | 19.36 | 19.36 | 19.36 | 19.36 | 19.36 | 19.36 | 19.36 | 19.36 | 19.36 |
| Reserves | 67.66 | 67.91 | 68.86 | 67.63 | 63.98 | 60.20 | 58.83 | 56.77 | 54.47 | 55.64 | 56.35 | 57.58 |
| Borrowings | 52.70 | 49.39 | 40.16 | 18.78 | 4.24 | 4.39 | 3.83 | 2.89 | 1.98 | 1.27 | 0.04 | 0.37 |
| Other Liabilities | 28.58 | 29.47 | 35.62 | 53.58 | 67.25 | 70.38 | 97.81 | 99.10 | 98.04 | 98.14 | 97.15 | 96.48 |
| Total Liabilities | 168.30 | 166.13 | 164.00 | 159.35 | 154.83 | 154.33 | 179.83 | 178.12 | 173.85 | 174.41 | 172.90 | 173.79 |
| Fixed Assets | 27.96 | 27.04 | 47.43 | 53.99 | 52.55 | 51.39 | 55.72 | 54.23 | 52.95 | 51.91 | 50.78 | 50.24 |
| CWIP | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | 27.53 | 25.13 | 4.30 | 3.64 | 3.94 | 2.93 | 5.66 | 5.82 | 2.86 | 4.19 | 4.23 | 4.23 |
| Other Assets | 112.81 | 113.96 | 112.27 | 101.72 | 98.34 | 100.01 | 118.45 | 118.07 | 118.04 | 118.31 | 117.89 | 119.32 |
| Total Assets | 168.30 | 166.13 | 164.00 | 159.35 | 154.83 | 154.33 | 179.83 | 178.12 | 173.85 | 174.41 | 172.90 | 173.79 |
Below is a detailed analysis of the balance sheet data for Motor & General Finance Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 19.36 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 19.36 Cr..
- For Reserves, as of Sep 2025, the value is 57.58 Cr.. The value appears strong and on an upward trend. It has increased from 56.35 Cr. (Mar 2025) to 57.58 Cr., marking an increase of 1.23 Cr..
- For Borrowings, as of Sep 2025, the value is 0.37 Cr.. The value appears to be increasing, which may not be favorable. Additionally, since Reserves exceed Borrowings, this is considered a positive sign. It has increased from 0.04 Cr. (Mar 2025) to 0.37 Cr., marking an increase of 0.33 Cr..
- For Other Liabilities, as of Sep 2025, the value is 96.48 Cr.. The value appears to be improving (decreasing). It has decreased from 97.15 Cr. (Mar 2025) to 96.48 Cr., marking a decrease of 0.67 Cr..
- For Total Liabilities, as of Sep 2025, the value is 173.79 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 172.90 Cr. (Mar 2025) to 173.79 Cr., marking an increase of 0.89 Cr..
- For Fixed Assets, as of Sep 2025, the value is 50.24 Cr.. The value appears to be declining and may need further review. It has decreased from 50.78 Cr. (Mar 2025) to 50.24 Cr., marking a decrease of 0.54 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Investments, as of Sep 2025, the value is 4.23 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 4.23 Cr..
- For Other Assets, as of Sep 2025, the value is 119.32 Cr.. The value appears strong and on an upward trend. It has increased from 117.89 Cr. (Mar 2025) to 119.32 Cr., marking an increase of 1.43 Cr..
- For Total Assets, as of Sep 2025, the value is 173.79 Cr.. The value appears strong and on an upward trend. It has increased from 172.90 Cr. (Mar 2025) to 173.79 Cr., marking an increase of 0.89 Cr..
Notably, the Reserves (57.58 Cr.) exceed the Borrowings (0.37 Cr.), indicating a solid financial buffer.
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow
| Month | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | -50.59 | -45.66 | -37.03 | -17.24 | -6.78 | -9.94 | -6.20 | -5.12 | -6.45 | -1.09 | -0.87 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debtor Days | 5.46 | 33.47 | 69.83 | 126.36 | 2.25 | 73.47 | 86.49 | 45.33 | 7.39 | 13.54 | 25.66 |
| Inventory Days | |||||||||||
| Days Payable | |||||||||||
| Cash Conversion Cycle | 5.46 | 33.47 | 69.83 | 126.36 | 2.25 | 73.47 | 86.49 | 45.33 | 7.39 | 13.54 | 25.66 |
| Working Capital Days | 1,943.77 | 1,833.91 | 1,913.15 | 1,529.75 | 2,324.91 | 3,604.15 | 8,270.40 | 4,376.82 | 3,635.88 | 3,250.27 | 3,000.65 |
| ROCE % | 2.64% | 2.17% | 1.58% | -3.32% | -3.12% | -1.49% | -2.45% | -3.07% | 2.04% | 1.32% |
This stock is not held by any mutual fund.
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| FaceValue | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 |
| Basic EPS (Rs.) | 0.21 | 0.30 | -0.68 | -0.63 | -0.49 |
| Diluted EPS (Rs.) | 0.21 | 0.30 | -0.68 | -0.63 | -0.49 |
| Cash EPS (Rs.) | 0.50 | 0.61 | -0.34 | -0.25 | -0.15 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 12.85 | 12.66 | 12.36 | 12.96 | 13.49 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 19.55 | 19.37 | 19.06 | 19.66 | 20.19 |
| Revenue From Operations / Share (Rs.) | 1.80 | 1.60 | 1.40 | 1.08 | 0.54 |
| PBDIT / Share (Rs.) | 0.55 | 0.72 | -0.22 | -0.13 | 0.01 |
| PBIT / Share (Rs.) | 0.26 | 0.41 | -0.55 | -0.49 | -0.32 |
| PBT / Share (Rs.) | 0.21 | 0.31 | -0.67 | -0.62 | -0.48 |
| Net Profit / Share (Rs.) | 0.21 | 0.31 | -0.67 | -0.62 | -0.48 |
| NP After MI And SOA / Share (Rs.) | 0.20 | 0.29 | -0.67 | -0.63 | -0.48 |
| PBDIT Margin (%) | 30.96 | 45.10 | -16.01 | -12.46 | 1.88 |
| PBIT Margin (%) | 14.80 | 26.20 | -39.56 | -46.31 | -58.84 |
| PBT Margin (%) | 11.95 | 19.47 | -47.83 | -57.80 | -88.32 |
| Net Profit Margin (%) | 11.95 | 19.47 | -47.83 | -57.80 | -88.32 |
| NP After MI And SOA Margin (%) | 11.42 | 18.70 | -48.32 | -58.83 | -88.64 |
| Return on Networth / Equity (%) | 1.60 | 2.36 | -5.47 | -4.89 | -3.58 |
| Return on Capital Employeed (%) | 0.89 | 1.42 | -1.90 | -1.67 | -1.06 |
| Return On Assets (%) | 0.46 | 0.66 | -1.50 | -1.37 | -1.04 |
| Total Debt / Equity (X) | 0.00 | 0.02 | 0.04 | 0.05 | 0.07 |
| Asset Turnover Ratio (%) | 0.04 | 0.03 | 0.03 | 0.02 | 0.01 |
| Current Ratio (X) | 1.99 | 1.93 | 1.89 | 1.83 | 1.84 |
| Quick Ratio (X) | 0.02 | 0.03 | 0.02 | 0.02 | 0.03 |
| Inventory Turnover Ratio (X) | 0.06 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest Coverage Ratio (X) | 10.84 | 6.71 | -1.93 | -1.08 | 0.06 |
| Interest Coverage Ratio (Post Tax) (X) | 5.19 | 3.90 | -4.78 | -4.03 | -2.00 |
| Enterprise Value (Cr.) | 95.58 | 119.07 | 120.81 | 105.86 | 100.62 |
| EV / Net Operating Revenue (X) | 13.71 | 19.19 | 22.26 | 25.36 | 47.60 |
| EV / EBITDA (X) | 44.28 | 42.55 | -138.99 | -203.38 | 2523.44 |
| MarketCap / Net Operating Revenue (X) | 13.72 | 19.04 | 21.94 | 24.72 | 45.89 |
| Price / BV (X) | 1.92 | 2.41 | 2.49 | 2.06 | 1.86 |
| Price / Net Operating Revenue (X) | 13.72 | 19.04 | 21.95 | 24.72 | 45.92 |
| EarningsYield | 0.01 | 0.01 | -0.02 | -0.02 | -0.01 |
After reviewing the key financial ratios for Motor & General Finance Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For FaceValue, as of Mar 25, the value is 5.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 5.00.
- For Basic EPS (Rs.), as of Mar 25, the value is 0.21. This value is below the healthy minimum of 5. It has decreased from 0.30 (Mar 24) to 0.21, marking a decrease of 0.09.
- For Diluted EPS (Rs.), as of Mar 25, the value is 0.21. This value is below the healthy minimum of 5. It has decreased from 0.30 (Mar 24) to 0.21, marking a decrease of 0.09.
- For Cash EPS (Rs.), as of Mar 25, the value is 0.50. This value is below the healthy minimum of 3. It has decreased from 0.61 (Mar 24) to 0.50, marking a decrease of 0.11.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 12.85. It has increased from 12.66 (Mar 24) to 12.85, marking an increase of 0.19.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 19.55. It has increased from 19.37 (Mar 24) to 19.55, marking an increase of 0.18.
- For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 1.80. It has increased from 1.60 (Mar 24) to 1.80, marking an increase of 0.20.
- For PBDIT / Share (Rs.), as of Mar 25, the value is 0.55. This value is below the healthy minimum of 2. It has decreased from 0.72 (Mar 24) to 0.55, marking a decrease of 0.17.
- For PBIT / Share (Rs.), as of Mar 25, the value is 0.26. This value is within the healthy range. It has decreased from 0.41 (Mar 24) to 0.26, marking a decrease of 0.15.
- For PBT / Share (Rs.), as of Mar 25, the value is 0.21. This value is within the healthy range. It has decreased from 0.31 (Mar 24) to 0.21, marking a decrease of 0.10.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 0.21. This value is below the healthy minimum of 2. It has decreased from 0.31 (Mar 24) to 0.21, marking a decrease of 0.10.
- For NP After MI And SOA / Share (Rs.), as of Mar 25, the value is 0.20. This value is below the healthy minimum of 2. It has decreased from 0.29 (Mar 24) to 0.20, marking a decrease of 0.09.
- For PBDIT Margin (%), as of Mar 25, the value is 30.96. This value is within the healthy range. It has decreased from 45.10 (Mar 24) to 30.96, marking a decrease of 14.14.
- For PBIT Margin (%), as of Mar 25, the value is 14.80. This value is within the healthy range. It has decreased from 26.20 (Mar 24) to 14.80, marking a decrease of 11.40.
- For PBT Margin (%), as of Mar 25, the value is 11.95. This value is within the healthy range. It has decreased from 19.47 (Mar 24) to 11.95, marking a decrease of 7.52.
- For Net Profit Margin (%), as of Mar 25, the value is 11.95. This value exceeds the healthy maximum of 10. It has decreased from 19.47 (Mar 24) to 11.95, marking a decrease of 7.52.
- For NP After MI And SOA Margin (%), as of Mar 25, the value is 11.42. This value is within the healthy range. It has decreased from 18.70 (Mar 24) to 11.42, marking a decrease of 7.28.
- For Return on Networth / Equity (%), as of Mar 25, the value is 1.60. This value is below the healthy minimum of 15. It has decreased from 2.36 (Mar 24) to 1.60, marking a decrease of 0.76.
- For Return on Capital Employeed (%), as of Mar 25, the value is 0.89. This value is below the healthy minimum of 10. It has decreased from 1.42 (Mar 24) to 0.89, marking a decrease of 0.53.
- For Return On Assets (%), as of Mar 25, the value is 0.46. This value is below the healthy minimum of 5. It has decreased from 0.66 (Mar 24) to 0.46, marking a decrease of 0.20.
- For Total Debt / Equity (X), as of Mar 25, the value is 0.00. This value is within the healthy range. It has decreased from 0.02 (Mar 24) to 0.00, marking a decrease of 0.02.
- For Asset Turnover Ratio (%), as of Mar 25, the value is 0.04. It has increased from 0.03 (Mar 24) to 0.04, marking an increase of 0.01.
- For Current Ratio (X), as of Mar 25, the value is 1.99. This value is within the healthy range. It has increased from 1.93 (Mar 24) to 1.99, marking an increase of 0.06.
- For Quick Ratio (X), as of Mar 25, the value is 0.02. This value is below the healthy minimum of 1. It has decreased from 0.03 (Mar 24) to 0.02, marking a decrease of 0.01.
- For Inventory Turnover Ratio (X), as of Mar 25, the value is 0.06. This value is below the healthy minimum of 4. It has increased from 0.00 (Mar 24) to 0.06, marking an increase of 0.06.
- For Interest Coverage Ratio (X), as of Mar 25, the value is 10.84. This value is within the healthy range. It has increased from 6.71 (Mar 24) to 10.84, marking an increase of 4.13.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 5.19. This value is within the healthy range. It has increased from 3.90 (Mar 24) to 5.19, marking an increase of 1.29.
- For Enterprise Value (Cr.), as of Mar 25, the value is 95.58. It has decreased from 119.07 (Mar 24) to 95.58, marking a decrease of 23.49.
- For EV / Net Operating Revenue (X), as of Mar 25, the value is 13.71. This value exceeds the healthy maximum of 3. It has decreased from 19.19 (Mar 24) to 13.71, marking a decrease of 5.48.
- For EV / EBITDA (X), as of Mar 25, the value is 44.28. This value exceeds the healthy maximum of 15. It has increased from 42.55 (Mar 24) to 44.28, marking an increase of 1.73.
- For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 13.72. This value exceeds the healthy maximum of 3. It has decreased from 19.04 (Mar 24) to 13.72, marking a decrease of 5.32.
- For Price / BV (X), as of Mar 25, the value is 1.92. This value is within the healthy range. It has decreased from 2.41 (Mar 24) to 1.92, marking a decrease of 0.49.
- For Price / Net Operating Revenue (X), as of Mar 25, the value is 13.72. This value exceeds the healthy maximum of 3. It has decreased from 19.04 (Mar 24) to 13.72, marking a decrease of 5.32.
- For EarningsYield, as of Mar 25, the value is 0.01. This value is below the healthy minimum of 5. There is no change compared to the previous period (Mar 24) which recorded 0.01.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
| Strength | Weakness |
|---|---|
|
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Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Motor & General Finance Ltd:
- Net Profit Margin: 11.95%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 0.89% (Industry Average ROCE: 21.71%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 1.6% (Industry Average ROE: 14.2%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 5.19
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 0.02
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 56.3 (Industry average Stock P/E: 67.41)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 0
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 11.95%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance & Investments | MGF House, New Delhi Delhi 110002 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Rajiv Gupta | Chairman & M.D & CEO |
| Mrs. Arti Gupta | Joint Managing Director |
| Mr. Arun Mitter | Executive Director |
| Mr. Karun Pratap Hoon | Ind. Non-Executive Director |
| Mr. Dinesh Agnani | Ind. Non-Executive Director |
| Mrs. Leena Tuteja | Ind. Non-Executive Director |
FAQ
What is the intrinsic value of Motor & General Finance Ltd?
Motor & General Finance Ltd's intrinsic value (as of 28 January 2026) is ₹11.27 which is 49.00% lower the current market price of ₹22.10, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹85.6 Cr. market cap, FY2025-2026 high/low of ₹33.8/21.0, reserves of ₹57.58 Cr, and liabilities of ₹173.79 Cr.
What is the Market Cap of Motor & General Finance Ltd?
The Market Cap of Motor & General Finance Ltd is 85.6 Cr..
What is the current Stock Price of Motor & General Finance Ltd as on 28 January 2026?
The current stock price of Motor & General Finance Ltd as on 28 January 2026 is ₹22.1.
What is the High / Low of Motor & General Finance Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Motor & General Finance Ltd stocks is ₹33.8/21.0.
What is the Stock P/E of Motor & General Finance Ltd?
The Stock P/E of Motor & General Finance Ltd is 56.3.
What is the Book Value of Motor & General Finance Ltd?
The Book Value of Motor & General Finance Ltd is 19.9.
What is the Dividend Yield of Motor & General Finance Ltd?
The Dividend Yield of Motor & General Finance Ltd is 0.00 %.
What is the ROCE of Motor & General Finance Ltd?
The ROCE of Motor & General Finance Ltd is 1.32 %.
What is the ROE of Motor & General Finance Ltd?
The ROE of Motor & General Finance Ltd is 1.07 %.
What is the Face Value of Motor & General Finance Ltd?
The Face Value of Motor & General Finance Ltd is 5.00.