The Motor & General Finance Ltd - Stock Valuation and Financial Performance

BSE: 501343 | NSE: MOTOGENFIN | Finance - NBFC | Small Cap

Motor & General Fin Share Price

30.50 -0.55 -1.77%
as on 28-Mar'24 16:01

DeciZen - make an informed investing decision on Motor & General Fin

Overall Rating
M-Cap below 500cr. High Risk from low Liquidity Bole Toh

1. Quality

2. Valuation

Somewhat overvalued

3. Price Trend

The Motor & General Finance stock performance -

mw4me loader
P/E Ratio (SA):
0.00
Market Cap:
118.1 Cr.
52-wk low:
26.6
52-wk high:
51

Is The Motor & General Finance Ltd an attractive stock to invest in?

1. Is The Motor & General Finance Ltd a good quality company?

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

2. Is The Motor & General Finance Ltd undervalued or overvalued?

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

3. Is The Motor & General Finance Ltd a good buy now?

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

10 Year X-Ray of Motor & General Fin:

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'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
Operating Income (₹ Cr.)12.611.613.813.210.68.85.72.14.25.46
YoY Gr. Rt. %--7.6%19.2%-4.4%-20.1%-16.7%-35.3%-62.9%98.1%29.9%-
Adj EPS (₹ ) 0.8-0.30.40.1-0.2-0.8-1.4-0.3-0.5-0.4-0.3
YoY Gr. Rt. %--129.8%NA-72.2%-290%NANANANANA-
BVPS (₹ )16.11616.516.616.415.614.21413.613.213.1
YoY Gr. Rt. %--0.8%2.8%0.9%-1.1%-5.1%-8.9%-1.8%-2.7%-2.9%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)1.7-0.50.80.2-0.5-2-3.6-0.6-1-0.90

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income-8.9%-12.5%-1.6%29.9%
Adj EPS-192.6%NANANA
BVPS-2.2%-4.3%-2.4%-2.9%
Share Price 5.5% 5.6% 10% -5.8%

Key Financial Ratios

RATIOS \ YEARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
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 (%)26-8.310.22.8-6.9-36.3-95.7-50-42.5-30.1-21.6
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)5.4-1.52.30.6-1.1-5.2-9.4-1.9-3.3-3.2-2.5

Recent Performance Summary

No data to display

Return on Equity is Poor

Total Income has declined 11.29 CAGR in last 3 years

Net Profit has declined 0.00 CAGR in last 3 years

Total income growth is poor in last 4 quarters

Latest Financials - The Motor & General Finance Ltd.

Standalone Consolidated
TTM EPS (₹) -0.3 -0.6
TTM Sales (₹ Cr.) 5.9 5.9
BVPS (₹.) 13.1 12.3
Reserves (₹ Cr.) 31 28
P/BV 2.32 2.48
PE 0.00 0.00
From the Market
52 Week Low / High (₹) 26.55 / 50.98
All Time Low / High (₹) 1.38 / 54.65
Market Cap (₹ Cr.) 118
Equity (₹ Cr.) 19.4
Face Value (₹) 5
Industry PE 31

Management X-Ray of Motor & General Fin:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Event Update

Login/Register to view analysis.

Analyst's Notes

Key Ratios of Motor & General Fin

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Income18202016131110879
Interest Income131214131196245
Other Income 5863324634
Expenditure 141818171515159911
Interest Expense 5765411100
Operating Expenses 9101111101012888
Provisions 0111133002
Exceptional Items 0-200000000
Profit Before Tax 3-12-1-2-4-5-1-2-2
Taxes 001-1-1-10000
Profit After Tax 3-110-1-3-5-1-2-2
Adjusted EPS (₹)0.8-0.30.40.1-0.2-0.8-1.4-0.3-0.5-0.4
Dividend Payout Ratio (%)0%0%0%0%0%0%0%0%0%0%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23

Equity and Liabilities

Equity Capital89889090908681807977
Share Capital 19191919191919191919
Reserves 69697071706762615958
Minority Interest0000000000
Long Term Borrowings30514642203536353636
Current Liabilities 75293232503336636361
Trade Payables0000000000
Short term borrowings17660044432
Other Liabilities-17-6-600-4-4-4-3-2
Total Liabilities 194168167164159154152178177174

Assets

Non Current Asset 102605853605955636258
Loan Asset 0000000000
Other Non Current Asset 102605853605955636258
Current Asset 921081101111009697116115115
Current Investment0000000000
Other Current Asset921081101111009697116115115
Total Assets 194168167164159154152178177174

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Cash Flow From Operating Activity 1434-537-40611
Cash Flow From Investing Activity 3551-700-600
Cash Flow From Financing Activity -16-9-93-2940-1-1-1
Net Cash Flow 1-11-1100000
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23

Operational & Financial Ratios

EPS (₹)2-1100-2-3000
DPS (₹)0000000000
BVPS (₹)32323333333128141413

Performance Ratios

ROA (%)1.7-0.50.80.2-0.5-2.0-3.6-0.6-1.0-0.9
ROE (%)5.4-1.52.30.6-1.1-5.2-9.4-1.9-3.3-3.2
ROCE (%)7.55.56.53.92.4-4.0-7.5-0.7-2.3-2.2

Valuation Parameters

Price/Book(x)1.11.41.41.01.21.51.01.82.02.3

The Motor & General Finance Ltd Stock News

The Motor & General Finance Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of Motor & General Fin on 28-Mar-2024 16:01 is ₹30.50.
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 28-Mar-2024 16:01 the market cap of Motor & General Fin stood at ₹118.1.
The latest P/E ratio of Motor & General Fin as of 28-Mar-2024 16:01 is 0.00.
The latest P/B ratio of Motor & General Fin as of 28-Mar-2024 16:01 is 2.32.
The 52-week high of Motor & General Fin is ₹50.98 and the 52-week low is ₹26.55.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Motor & General Fin is ₹5.91 ( Cr.) .

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
Read More Read Less
You have 2 views remaining as a Guest User. To get DeciZen Rating of 3,500+ Stocks based on their Quality, Valuation and Price Trend Login Now
© 2024 The Alchemists Ark Pvt. Ltd. All rights reserved. MoneyWorks4Me ® is a registered trademark of The Alchemists Ark Pvt.Ltd.