Share Price and Basic Stock Data
Last Updated: October 29, 2025, 10:19 pm
| PEG Ratio | 11.32 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
Motor & General Finance Ltd operates in the Finance & Investments sector, with its stock currently priced at ₹26.5 and a market capitalization of ₹103 Cr. The company has experienced fluctuating revenue trends over recent quarters, with sales reported at ₹1.36 Cr in June 2022 and gradually rising to ₹1.53 Cr by September 2023. The most recent quarter, June 2024, showed sales further increasing to ₹1.74 Cr. However, the annual sales figures depict a broader decline from ₹14.72 Cr in March 2015 to ₹5.43 Cr in March 2023, before showing slight recovery to ₹6.20 Cr in March 2024. The trailing twelve-month sales reached ₹7.01 Cr, reflecting a positive trend. This inconsistency in revenue generation could be attributed to market volatility and operational challenges, which need to be addressed for sustained growth.
Profitability and Efficiency Metrics
The profitability metrics of Motor & General Finance Ltd reveal significant challenges. The operating profit margin (OPM) stood at -1.68%, indicating ongoing operational inefficiencies. The company has reported negative operating profits in several quarters, including a staggering -236.03% in March 2023. The net profit has also been erratic, with a net loss of ₹2.62 Cr in March 2023, but a turnaround to a net profit of ₹1.16 Cr in March 2024. The return on equity (ROE) is low at 1.07%, while return on capital employed (ROCE) is slightly better at 1.32%. The interest coverage ratio (ICR) is favorable at 10.84x, suggesting that the company can comfortably meet its interest obligations. Nevertheless, the persistent negative margins highlight the need for a strategic overhaul to enhance profitability.
Balance Sheet Strength and Financial Ratios
Motor & General Finance Ltd’s balance sheet reflects a stable financial position, with total borrowings drastically reduced to ₹0.04 Cr by March 2025 from ₹52.70 Cr in March 2015. The reserves have shown slight fluctuations, currently reported at ₹56.35 Cr. The company maintains a current ratio of 1.99, indicating a strong liquidity position compared to the typical sector norm of around 1.5. The debt-to-equity ratio is remarkably low at 0.00, underscoring the absence of leverage, which is generally favorable for risk management. However, the price-to-book value (P/BV) ratio is 1.92x, suggesting that the market values the company’s shares at a premium compared to its book value. This may indicate investor confidence, but it is essential to monitor how the company utilizes its equity capital for growth.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Motor & General Finance Ltd indicates a predominant promoter holding of 69.60%, which has remained relatively stable over recent quarters, suggesting strong control by the founding family. Foreign Institutional Investors (FIIs) hold 2.66%, while Domestic Institutional Investors (DIIs) represent a minimal stake of 0.04%. The public shareholding stands at 27.70%, with a notable increase in the number of shareholders, which rose from 7,973 in December 2022 to 10,166 by March 2025. This increase may reflect growing interest from retail investors. However, the low institutional ownership could signal a lack of confidence from larger investors, potentially due to the company’s inconsistent profitability and operational challenges. Thus, while the promoter stake indicates stability, the overall investor confidence appears mixed.
Outlook, Risks, and Final Insight
Looking ahead, Motor & General Finance Ltd faces both opportunities and risks. The gradual recovery in sales and the improvement in net profits suggest potential for future growth, provided operational efficiencies are enhanced. However, the company must address its persistent negative margins and ensure sustainable profitability. Risks include market volatility and potential increases in operational costs, which could further impact margins. Additionally, a low institutional investor presence may limit access to capital for expansion. The company should focus on improving its operational performance and strategic planning to leverage its current financial strength. A commitment to enhancing profitability and operational efficiency will be crucial for the long-term success of Motor & General Finance Ltd.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of Motor & General Finance Ltd
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Modern Shares & Stockbrokers Ltd | 11.7 Cr. | 40.0 | 67.7/36.4 | 41.9 | 43.5 | 0.00 % | 3.32 % | 1.74 % | 10.0 |
| Monarch Networth Capital Ltd | 2,448 Cr. | 309 | 495/280 | 15.8 | 102 | 0.32 % | 33.3 % | 26.2 % | 10.0 |
| Monotype India Ltd | 38.7 Cr. | 0.55 | 2.42/0.46 | 3.76 | 0.02 | 0.00 % | 286 % | % | 1.00 |
| Multipurpose Trading & Agencies Ltd | 4.19 Cr. | 8.47 | 12.7/8.25 | 10.3 | 0.00 % | 3.68 % | 3.38 % | 10.0 | |
| Munoth Financial Services Ltd | 28.8 Cr. | 56.2 | 72.0/47.6 | 20.6 | 0.00 % | 2.41 % | 3.38 % | 10.0 | |
| Industry Average | 6,822.91 Cr | 1,424.34 | 135.36 | 3,769.50 | 0.31% | 21.70% | 14.20% | 7.28 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 1.36 | 1.37 | 1.35 | 1.36 | 1.49 | 1.53 | 1.53 | 1.65 | 1.74 | 1.74 | 1.74 | 1.74 | 1.79 |
| Expenses | 1.77 | 1.62 | 1.94 | 4.57 | 1.71 | 2.06 | 1.73 | 0.54 | 1.76 | 1.90 | 1.98 | 2.16 | 1.82 |
| Operating Profit | -0.41 | -0.25 | -0.59 | -3.21 | -0.22 | -0.53 | -0.20 | 1.11 | -0.02 | -0.16 | -0.24 | -0.42 | -0.03 |
| OPM % | -30.15% | -18.25% | -43.70% | -236.03% | -14.77% | -34.64% | -13.07% | 67.27% | -1.15% | -9.20% | -13.79% | -24.14% | -1.68% |
| Other Income | 0.77 | 0.58 | 0.56 | 1.66 | 0.61 | 0.62 | 0.62 | 0.73 | 0.70 | 0.81 | 0.73 | 0.72 | 0.58 |
| Interest | 0.11 | 0.11 | 0.12 | 0.11 | 0.10 | 0.11 | 0.11 | 0.09 | 0.09 | 0.06 | 0.04 | 0.01 | 0.06 |
| Depreciation | 0.32 | 0.32 | 0.32 | 0.32 | 0.29 | 0.29 | 0.29 | 0.30 | 0.28 | 0.28 | 0.28 | 0.28 | 0.26 |
| Profit before tax | -0.07 | -0.10 | -0.47 | -1.98 | 0.00 | -0.31 | 0.02 | 1.45 | 0.31 | 0.31 | 0.17 | 0.01 | 0.23 |
| 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 | -0.07 | -0.10 | -0.47 | -1.98 | 0.00 | -0.31 | 0.02 | 1.45 | 0.31 | 0.31 | 0.17 | 0.01 | 0.23 |
| EPS in Rs | -0.02 | -0.03 | -0.12 | -0.51 | 0.00 | -0.08 | 0.01 | 0.37 | 0.08 | 0.08 | 0.04 | 0.00 | 0.06 |
Last Updated: August 20, 2025, 2:25 am
Below is a detailed analysis of the quarterly data for Motor & General Finance Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Sales, as of Jun 2025, the value is 1.79 Cr.. The value appears strong and on an upward trend. It has increased from 1.74 Cr. (Mar 2025) to 1.79 Cr., marking an increase of 0.05 Cr..
- For Expenses, as of Jun 2025, the value is 1.82 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 2.16 Cr. (Mar 2025) to 1.82 Cr., marking a decrease of 0.34 Cr..
- For Operating Profit, as of Jun 2025, the value is -0.03 Cr.. The value appears strong and on an upward trend. It has increased from -0.42 Cr. (Mar 2025) to -0.03 Cr., marking an increase of 0.39 Cr..
- For OPM %, as of Jun 2025, the value is -1.68%. The value appears strong and on an upward trend. It has increased from -24.14% (Mar 2025) to -1.68%, marking an increase of 22.46%.
- For Other Income, as of Jun 2025, the value is 0.58 Cr.. The value appears to be declining and may need further review. It has decreased from 0.72 Cr. (Mar 2025) to 0.58 Cr., marking a decrease of 0.14 Cr..
- For Interest, as of Jun 2025, the value is 0.06 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 0.01 Cr. (Mar 2025) to 0.06 Cr., marking an increase of 0.05 Cr..
- For Depreciation, as of Jun 2025, the value is 0.26 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 0.28 Cr. (Mar 2025) to 0.26 Cr., marking a decrease of 0.02 Cr..
- For Profit before tax, as of Jun 2025, the value is 0.23 Cr.. The value appears strong and on an upward trend. It has increased from 0.01 Cr. (Mar 2025) to 0.23 Cr., marking an increase of 0.22 Cr..
- For Tax %, as of Jun 2025, the value is 0.00%. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00%.
- For Net Profit, as of Jun 2025, the value is 0.23 Cr.. The value appears strong and on an upward trend. It has increased from 0.01 Cr. (Mar 2025) to 0.23 Cr., marking an increase of 0.22 Cr..
- For EPS in Rs, as of Jun 2025, the value is 0.06. The value appears strong and on an upward trend. It has increased from 0.00 (Mar 2025) to 0.06, marking an increase of 0.06.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: October 15, 2025, 4:17 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 | 7.01 |
| Expenses | 12.61 | 11.43 | 11.61 | 10.13 | 12.28 | 11.76 | 4.86 | 6.82 | 9.90 | 6.02 | 7.80 | 7.86 |
| Operating Profit | 2.11 | 3.73 | 3.13 | 1.54 | -2.54 | -5.55 | -2.37 | -2.23 | -4.47 | 0.18 | -0.83 | -0.85 |
| OPM % | 14.33% | 24.60% | 21.23% | 13.20% | -26.08% | -89.37% | -95.18% | -48.58% | -82.32% | 2.90% | -11.91% | -12.13% |
| Other Income | 5.07 | 4.72 | 1.01 | 1.48 | 0.79 | 4.16 | 2.41 | 1.67 | 3.57 | 2.57 | 2.95 | 2.84 |
| Interest | 7.03 | 5.51 | 5.25 | 3.90 | 1.28 | 0.77 | 0.63 | 0.48 | 0.45 | 0.42 | 0.20 | 0.17 |
| Depreciation | 0.90 | 1.00 | 1.25 | 1.17 | 1.46 | 1.29 | 1.28 | 1.41 | 1.28 | 1.17 | 1.13 | 1.10 |
| 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 | 0.72 |
| 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 | 0.72 |
| 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 | 0.18 |
| 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: June 16, 2025, 11:13 am
| Month | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 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 |
| Reserves | 67.66 | 67.91 | 68.86 | 67.63 | 63.98 | 60.20 | 58.83 | 56.77 | 54.47 | 55.64 | 56.35 |
| Borrowings | 52.70 | 49.39 | 40.16 | 18.78 | 4.24 | 4.39 | 3.83 | 2.89 | 1.98 | 1.27 | 0.04 |
| Other Liabilities | 28.58 | 29.47 | 35.62 | 53.58 | 67.25 | 70.38 | 97.81 | 99.10 | 98.04 | 98.14 | 97.15 |
| Total Liabilities | 168.30 | 166.13 | 164.00 | 159.35 | 154.83 | 154.33 | 179.83 | 178.12 | 173.85 | 174.41 | 172.90 |
| Fixed Assets | 27.96 | 27.04 | 47.43 | 53.99 | 52.55 | 51.39 | 55.72 | 54.23 | 52.95 | 51.91 | 50.78 |
| CWIP | 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 |
| Other Assets | 112.81 | 113.96 | 112.27 | 101.72 | 98.34 | 100.01 | 118.45 | 118.07 | 118.04 | 118.31 | 117.89 |
| Total Assets | 168.30 | 166.13 | 164.00 | 159.35 | 154.83 | 154.33 | 179.83 | 178.12 | 173.85 | 174.41 | 172.90 |
Below is a detailed analysis of the balance sheet data for Motor & General Finance Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:
- For Equity Capital, as of Mar 2025, the value is 19.36 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 19.36 Cr..
- For Reserves, as of Mar 2025, the value is 56.35 Cr.. The value appears strong and on an upward trend. It has increased from 55.64 Cr. (Mar 2024) to 56.35 Cr., marking an increase of 0.71 Cr..
- For Borrowings, as of Mar 2025, the value is 0.04 Cr.. The value appears to be improving (decreasing). Additionally, since Reserves exceed Borrowings, this is considered a positive sign. It has decreased from 1.27 Cr. (Mar 2024) to 0.04 Cr., marking a decrease of 1.23 Cr..
- For Other Liabilities, as of Mar 2025, the value is 97.15 Cr.. The value appears to be improving (decreasing). It has decreased from 98.14 Cr. (Mar 2024) to 97.15 Cr., marking a decrease of 0.99 Cr..
- For Total Liabilities, as of Mar 2025, the value is 172.90 Cr.. The value appears to be improving (decreasing). It has decreased from 174.41 Cr. (Mar 2024) to 172.90 Cr., marking a decrease of 1.51 Cr..
- For Fixed Assets, as of Mar 2025, the value is 50.78 Cr.. The value appears to be declining and may need further review. It has decreased from 51.91 Cr. (Mar 2024) to 50.78 Cr., marking a decrease of 1.13 Cr..
- For CWIP, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 0.00 Cr..
- For Investments, as of Mar 2025, the value is 4.23 Cr.. The value appears strong and on an upward trend. It has increased from 4.19 Cr. (Mar 2024) to 4.23 Cr., marking an increase of 0.04 Cr..
- For Other Assets, as of Mar 2025, the value is 117.89 Cr.. The value appears to be declining and may need further review. It has decreased from 118.31 Cr. (Mar 2024) to 117.89 Cr., marking a decrease of 0.42 Cr..
- For Total Assets, as of Mar 2025, the value is 172.90 Cr.. The value appears to be declining and may need further review. It has decreased from 174.41 Cr. (Mar 2024) to 172.90 Cr., marking a decrease of 1.51 Cr..
Notably, the Reserves (56.35 Cr.) exceed the Borrowings (0.04 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 - No data available for this post.
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: 21.7%)
- 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: 144 (Industry average Stock P/E: 135.36)
- 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 | mgfltd@hotmail.com http://www.mgfltd.com |
| 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 29 October 2025) is 24.64 which is 8.06% lower the current market price of 26.80, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 103 Cr. market cap, FY2025-2026 high/low of 36.9/23.6, reserves of ₹56.35 Cr, and liabilities of 172.90 Cr.
What is the Market Cap of Motor & General Finance Ltd?
The Market Cap of Motor & General Finance Ltd is 103 Cr..
What is the current Stock Price of Motor & General Finance Ltd as on 29 October 2025?
The current stock price of Motor & General Finance Ltd as on 29 October 2025 is 26.8.
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 36.9/23.6.
What is the Stock P/E of Motor & General Finance Ltd?
The Stock P/E of Motor & General Finance Ltd is 144.
What is the Book Value of Motor & General Finance Ltd?
The Book Value of Motor & General Finance Ltd is 19.6.
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.