Share Price and Basic Stock Data
Last Updated: December 18, 2025, 2:20 pm
| PEG Ratio | 3.90 |
|---|
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 and investments sector, with a current market capitalization of ₹96.8 Cr and a share price of ₹25.0. The company has shown some resilience in its revenue generation, with reported sales rising from ₹5.43 Cr in FY 2023 to ₹6.20 Cr in FY 2024, and further to ₹6.97 Cr in FY 2025. This upward trajectory is reflected in the trailing twelve months (TTM) sales of ₹7.01 Cr. However, it’s important to note that the sales figures remain modest compared to industry peers, suggesting that there is still considerable room for growth. The company’s ability to maintain revenue growth amid fluctuating market conditions indicates a level of adaptability, although the overall performance could be perceived as underwhelming given the sector’s competitive landscape.
Profitability and Efficiency Metrics
Despite the sales growth, Motor & General Finance Ltd has struggled with profitability, as evidenced by its operating profit margin (OPM), which reported a negative figure of -11.91% for FY 2025. This marks a significant decline from the positive OPM of 2.90% in FY 2024. The company reported a net profit of ₹0.80 Cr for FY 2025, which is a slight improvement from the previous year but still reflects a level of volatility that might concern investors. Additionally, the return on equity (ROE) stands at a mere 1.07%, highlighting inefficiencies in capital utilization. The interest coverage ratio is relatively healthy at 10.84x, indicating that the company can comfortably manage its interest obligations. However, the declining OPM and inconsistent profitability raise questions about operational efficiency and cost management.
Balance Sheet Strength and Financial Ratios
The balance sheet of Motor & General Finance Ltd reveals a cautious approach to leverage, with borrowings at a mere ₹0.37 Cr compared to reserves of ₹57.58 Cr. This low debt-to-equity ratio (0.00) suggests that the company is not heavily reliant on external financing, which can be seen as a strength, particularly during economic downturns. The current ratio of 1.99 indicates a strong ability to cover short-term liabilities. However, the price-to-book value ratio stands at 1.92x, which appears somewhat stretched compared to industry norms, possibly signaling overvaluation concerns. Furthermore, while the company has a solid cash position, the relatively low return on capital employed (ROCE) of 1.32% indicates that capital is not being effectively utilized to generate profits, which could be a red flag for potential investors.
Shareholding Pattern and Investor Confidence
The shareholding structure of Motor & General Finance Ltd reveals a significant promoter holding of 69.60%, which can be a double-edged sword. On one hand, this level of commitment from promoters (up from 69.14% in March 2023) may instill confidence among retail investors. On the other hand, such concentrated ownership can also raise concerns about governance and minority shareholder rights. Foreign institutional investors (FIIs) hold a modest 2.66%, while domestic institutional investors (DIIs) have a minimal presence at just 0.04%. The public shareholding stands at 27.70%, and the total number of shareholders has been gradually increasing, reaching 10,166. This growing base of retail investors suggests a budding interest in the company, but the low institutional participation might limit the stock’s upward momentum and stability.
Outlook, Risks, and Final Insight
Looking ahead, Motor & General Finance Ltd faces a mixed bag of opportunities and challenges. While the company has demonstrated some ability to grow sales, its profitability metrics remain a cause for concern. The ongoing negative operating profit margins and low ROE indicate that effective cost management and operational efficiencies are critical for future success. Risks include potential volatility in financial performance, given the historical fluctuations in net profit and operating profit margins. Moreover, the concentrated shareholding could pose governance risks, particularly if the interests of minority shareholders are sidelined. Investors must weigh these factors carefully: the company’s stable balance sheet and low debt levels can be seen as strengths, yet the profitability challenges and valuation concerns might warrant caution. In this context, a thorough assessment of the company’s strategic direction and operational improvements will be essential for any investor considering a position in Motor & General Finance Ltd.
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 | 12.3 Cr. | 42.0 | 67.7/36.4 | 49.2 | 44.4 | 0.00 % | 3.32 % | 1.74 % | 10.0 |
| Monarch Networth Capital Ltd | 2,424 Cr. | 306 | 484/280 | 15.6 | 111 | 0.33 % | 33.3 % | 26.2 % | 10.0 |
| Monotype India Ltd | 33.8 Cr. | 0.48 | 2.10/0.46 | 4.67 | 0.03 | 0.00 % | 286 % | % | 1.00 |
| Multipurpose Trading & Agencies Ltd | 5.70 Cr. | 11.5 | 12.6/8.25 | 9.25 | 0.00 % | 3.68 % | 3.38 % | 10.0 | |
| Munoth Financial Services Ltd | 20.8 Cr. | 40.6 | 72.0/40.6 | 19.9 | 0.00 % | 2.41 % | 3.38 % | 10.0 | |
| Industry Average | 7,228.32 Cr | 1,382.64 | 81.97 | 3,844.37 | 0.36% | 21.70% | 14.20% | 7.22 |
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: 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: 21.4%)
- 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: 13.12%)
- 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: 59.3 (Industry average Stock P/E: 51.23)
- 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 18 December 2025) is 10.30 which is 55.79% lower the current market price of 23.30, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 90.2 Cr. market cap, FY2025-2026 high/low of 35.1/23.1, 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 90.2 Cr..
What is the current Stock Price of Motor & General Finance Ltd as on 18 December 2025?
The current stock price of Motor & General Finance Ltd as on 18 December 2025 is 23.3.
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 35.1/23.1.
What is the Stock P/E of Motor & General Finance Ltd?
The Stock P/E of Motor & General Finance Ltd is 59.3.
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.