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The Motor & General Finance Ltd (MOTOGENFIN)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 501343 NSE: MOTOGENFIN Finance - NBFC | Small Cap | Motor & General Fin Share Price

₹27.79 0.74 (2.74%)

As on 04-Jun'26 16:59

The Motor & General Finance Ltd (MOTOGENFIN)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 501343 NSE: MOTOGENFIN Finance - NBFC | Small Cap | Motor & General Fin Share Price

₹27.79 0.74 (2.74%)

As on 04-Jun'26 16:59

Key Metrics
Valuation Multiples
Market Cap
₹108 Cr.
Current Price
₹27.8
52-Week Low / High
₹17 / 33
TTM EPS
₹37.1
Book Value per Share
₹51
P/E Ratio
0.75
Industry PE
25.6
Price to Book (P/B)
0.55
Lower than its 5-year historical median
EV/EBITDA
-61.30
Lower than its 5-year historical median
Dividend Yield
0.00%
Profitability Efficiency
Return on Equity (ROE)
2.23%
Return on Capital Employed (ROCE)
2.57%
Return on Assets (ROA)
0.68%
Growth Momentum
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Slowing versus 3-year growth rate
17.13%
Book Value Growth (1 Year)
Improving versus 3-year growth rate
2.43%
Asset Quality
Gross NPA(%)
0.00%
Net NPA(%)
0.00%
TTM Sales
₹6.8 Cr.
Reserves
₹178 Cr.
Equity
₹19.4 Cr.
Face Value
₹5
All Time Low / High
₹1.38 / 54.65

The Motor & General Finance stock performance

Key Ratios
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Quality

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Valuation

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Price Trend

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Q.1 Is The Motor & General Finance Ltd a good quality company?
The Motor & General Finance Ltd is a quality company, based on a multi-year financial track record.

This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

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We have analysed the performance of the company on the following:

  • How has it performed on generating Profits?

    By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.

  • How efficiently has it grown and managed operations?

    By checking its Total Asset growth.

  • How strong is its Capital position and Asset Quality?

    By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.

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How does The Motor & General Finance Ltd performance compare with that of its Peers?
Q.1 AUM Growth of The Motor & General Finance Ltd vs Industry Peers?
The Motor & General Finance Ltd AUM CAGR is 2.63%, compared to the 5-year industry median CAGR of 9.68%, indicating slower growth and losing its market share.
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Q.1 Promoter shareholding and pledge status of The Motor & General Finance Ltd?
Promoters hold 69.60% of the The Motor & General Finance Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Q.1 Stock return of The Motor & General Finance Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 1% based on the current price.
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10 Year X-Ray : Login to view analysis.

Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
The Motor & General Finance Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Operating Income (₹ Cr.)13.813.210.68.85.72.14.25.46.277
YoY Gr. Rt. %--4.4%-20.2%-16.6%-35.3%-62.9%97.5%30%14.3%12.4%-
Adj EPS (₹ ) 0.40.1-0.2-0.8-1.4-0.3-0.5-0.40.40.337.1
YoY Gr. Rt. %--72.2%-290%NANANANANANA-13.9%-
BVPS (₹ )16.516.616.415.614.21413.613.213.613.951
YoY Gr. Rt. %-0.9%-1.1%-5.1%-8.9%-1.8%-2.7%-2.9%2.7%2.4%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)0.80.2-0.5-2-3.6-0.6-1-0.90.80.70

CAGR ⓘ

9 Years 5 Years 3 Years 1 Years
Net Interest Income-7.3%4.1%18.6%12.4%
Adj EPS-1.7%NANA-13.9%
BVPS-1.9%-0.5%0.7%2.4%
Share Price 3.7% 7.2% -0.3% 3.2%

Key Financial Ratios

RATIOS \ YEARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here ⓘ
Net NPA to Net Advances (%)0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here ⓘ
Capital Adequacy Ratio (%) 0000000000-
Margins
Net Profit Margin (%)10.22.8-6.9-36.3-95.7-50-42.5-30.122.5172097.9
Performance Ratios To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)2.30.6-1.1-5.2-9.4-1.9-3.3-3.22.72.272.7

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Income + 20161311108791010
Interest Income1413119624567
Other Income ⓘ 1113300200
Exceptional Items ⓘ 6332463444
Expenditure ⓘ + 1817151515991199
Interest Expense ⓘ 6541110000
Operating Expenses ⓘ 111110101288889
Provisions 1113300200
Exceptional Items ⓘ 0000000000
Profit Before Tax ⓘ 2-1-2-4-5-1-2-211
Taxes ⓘ 1-1-1-1000000
Profit After Tax 10-1-3-5-1-2-211
Adjusted EPS (₹)0.40.1-0.2-0.8-1.4-0.3-0.5-0.40.40.3
Dividend Payout Ratio (%)0%0%0%0%0%0%0%0%0%0%

Valuation of Motor & General Fin - Standalone

YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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Analyst's Notes

data not found
No data found!

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Equity and Liabilities

Equity Capital +90909086818079777880
Share Capital ⓘ 19191919191919191919
Reserves ⓘ 70717067626159585960
Short term borrowings6004443210
Long Term Borrowings46422035363536363636
Current Liabilities 32325033366363616058
Trade Payables0000000000
Other Liabilities-6-00-4-4-4-3-2-1-0
Total Liabilities ⓘ 167164159154152178177174175174

Assets

Non Current Asset +58536059556362585958
Loan Asset 0000000000
Other Non Current Asset ⓘ 58536059556362585958
Current Asset +1101111009697116115115116115
Current Investment0000000000
Other Current Asset1101111009697116115115116115
Total Assets ⓘ 167164159154152178177174175174

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Cash Flow From Operating Activity ⓘ 4-537-4061111
Cash Flow From Investing Activity ⓘ 51-70-0-600-00
Cash Flow From Financing Activity ⓘ -93-294-0-1-1-1-1-1
Net Cash Flow ⓘ 1-11-0-0-0-0000

Financial Ratio

PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Operational & Financial Ratios
EPS (₹)0.700.20-0.40-1.70-2.80-0.30-0.50-0.400.400.30
DPS (₹)0000000000
BVPS (₹)32.933.232.831.228.41413.613.213.613.9

Performance Ratios

ROA (%)0.80.2-0.5-2.0-3.6-0.6-1.0-0.90.80.7
ROE (%)2.30.6-1.1-5.2-9.4-1.9-3.3-3.22.72.2
ROCE (%)6.53.92.4-4.0-7.5-0.7-2.3-2.23.42.6

Valuation Parameters

Price/Book(x)1.41.01.21.51.01.82.02.32.31.8

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.001.080.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

The Motor & General Finance Ltd FAQs

The current trading price of Motor & General Fin on 04-Jun-2026 16:59 is ₹27.79.

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 03-Jun-2026 the market cap of Motor & General Fin stood at ₹107.6 Cr

The latest P/E ratio of Motor & General Fin as of 03-Jun-2026 is 0.75.

The latest P/B ratio of Motor & General Fin as of 03-Jun-2026 is 0.55.

The 52-week high of Motor & General Fin is ₹33.33 and the 52-week low is ₹16.63.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Motor & General Fin is ₹6.84 ( Cr.) .

Past 10 year’s financial track record analysis by Moneyworks4me indicates that The Motor & General Finance Ltd is a below average quality company.

The key valuation ratios of The Motor & General Finance Ltd's currently when compared to its past seem to suggest it is in the Undervalued zone.

The Price Trend analysis by MoneyWorks4Me indicates it is Strong which suggest that the price of The Motor & General Finance Ltd is likely to Rise in the short term. However, please check the rating on Quality and Valuation before investing

About The Motor & General Finance Ltd

The Motor & General Finance (MGF) the flagship company of MGF Group was incorporated in 1930. It is one of the oldest finance companies of India.

With over 76 years of standing MGF has been a role model for new companies entering the field. MGF gave India its first impression of automobiles, hire purchase for financing the commercial vehicles. MGF commenced its activities with Delhi as a base and to cater to the requirements of customers, it expanded its operations to all important cities of the country.

The company diversified into financing earth moving equipments for the construction and mining industries. The company was also involved into merchant banking activities and other areas like corporate advisory services, single point fund management for corporate clients and factoring of debts.

The company was granted license of Merchant Banker which in view of lesser business procurement was surrendered later on. MGF floated a company with Citicorp Securities and Investments (CSIL), an associate of Citibank, to offer scientifically developed collection systems.

MGF Group enjoys a good reputation in the financial market and people manning the operations are known for timely repayment and meeting its financial commitments. The company has impeccable track record of meeting its commitments of repaying deposits and other liabilities in an organized manner and that too without causing compliant whatsoever.

Further inspite of adverse trends prevailing all around including liquidity constraints, the company has been endeavouring its best efforts to ensure that it meets its commitments of repayment of deposits and also reduce total amount outstanding both to the depositors and banks. The company has a sound and healthy asset base.

The company's shares are listed at NSE and Bombay Stock Exchanges. It has made investments in properties, yielding handsome returns.

Services offered by the company:

  • Merchant banking activities
  • Financing earth moving equipments
  • Corporate advisory services
  • Single point fund management for corporate clients
  • Factoring of debts
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