The Motor & General Finance Ltd.
•Add ratio to table
ABOUT
AI Sector View
AI GENERATEDFinancial Services
Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.
PROS
- Asset quality is healthy - gross NPA of just 0.0%
- Company generates healthy free cash flow
CONS
- Company is loss-making at the operating / net level
- Capital adequacy is tight at 0.0% - limited headroom to grow
- A large part of profit comes from other income (397.1% of PBT)
- Company has a low return on capital employed of 0.3%
- Company has a low return on equity of -0.4% over last 3 years
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCE | 1034.20 | 31.71 | 643888.19 | 0.58 | 6080.60 | 27.60 | 23165.45 | 20.37 | 10.87 | 70.70 |
| SHRIRAMFIN | 1028.00 | 21.37 | 241893.03 | 1.05 | 3452.77 | 59.90 | 13400.43 | 17.46 | 11.49 | 74.63 |
| CHOLAFIN | 1845.00 | 27.40 | 157575.18 | 0.11 | 1656.22 | 45.56 | 8856.29 | 21.89 | 9.70 | 70.07 |
| TATACAP | 362.80 | 28.50 | 154003.85 | 0.16 | 16281.80 | 1464.16 | 88219.30 | 1051.00 | 8.66 | 75.72 |
| JIOFIN | 230.00 | 73.49 | 151872.26 | 0.26 | 830.25 | 155.73 | 2004.47 | 227.28 | 2.11 | 69.71 |
| BAJAJHLDNG | 11120.70 | 13.97 | 123766.17 | 1.75 | 2708.08 | -92.27 | 394.33 | 23.34 | 14.81 | 684.72 |
| MUTHOOTFIN | 2794.40 | 9.86 | 112186.35 | 1.07 | 2824.84 | 43.08 | 8671.60 | 36.25 | 15.87 | 83.76 |
| ABCAPITAL | 398.60 | 26.59 | 109118.68 | 0.00 | 1223.85 | 43.85 | 12179.54 | 137.84 | 8.82 | 41.91 |
| LTF | 309.50 | 24.37 | 77571.61 | 0.89 | 915.99 | 30.70 | 5212.92 | 22.38 | 8.54 | 62.13 |
| SBICARD | 656.05 | 27.44 | 62432.55 | 0.38 | 664.44 | 19.51 | 5040.55 | 7.60 | 11.75 | 29.83 |
| HDBFS | 668.65 | 25.53 | 55549.10 | 0.60 | 785.20 | 38.31 | 4937.90 | 18.71 | 9.09 | 57.98 |
| MOTOGENFIN | 26.20 | 0.68 | 101.47 | 0.00 | 2.27 | 885.22 | 1.86 | 3.91 | 1.99 | 20.91 |
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | |
| 2 | 2 | 2 | 1 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 3 | 2 | |
| Operating Profit | -0 | -1 | -0 | 1 | -0 | -0 | -0 | -0 | -0 | -0 | -0 | -1 | 0 |
| OPM % | -13.42% | -33.99% | -13.07% | 69.09% | -0.57% | -9.20% | -13.79% | -22.99% | -0.56% | -7.74% | -14.11% | -84.48% | 13.39% |
| 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 1 | 161 | 2 | |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before Tax | 0 | -0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 1 | -0 | 159 | 3 |
| Tax % | 0.00% | -0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | -0.00% | 8.53% | 14.36% |
| Net Profit | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | -0 | 145 | 2 |
| 0.00 | -0.08 | 0.00 | 0.38 | 0.08 | 0.08 | 0.04 | -0.02 | 0.06 | 0.29 | -0.01 | 37.56 | 0.59 |
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 14 | 13 | 11 | 9 | 6 | 2 | 4 | 5 | 6 | 7 | 7 | |
| 11 | 11 | 10 | 12 | 12 | 7 | 7 | 10 | 7 | 8 | 8 | |
| Operating Profit | 2 | 2 | 1 | -3 | -6 | -5 | -3 | -4 | -1 | -1 | -2 |
| OPM % | 17.31% | 18.25% | 7.67% | -38.24% | -106.57% | -238.83% | -66.31% | -81.72% | -18.48% | -14.41% | -22.88% |
| 6 | 3 | 3 | 2 | 4 | 5 | 2 | 4 | 4 | 3 | 165 | |
| Interest | 6 | 5 | 4 | 1 | 1 | 1 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| Profit before Tax | 2 | -2 | -2 | -4 | -4 | -2 | -2 | -3 | 1 | 1 | 163 |
| Tax % | 27.16% | 47.15% | 47.36% | 19.19% | -0.89% | -0.00% | -0.00% | -0.00% | 0.00% | 0.00% | 8.57% |
| Net Profit | 1 | -1 | -1 | -4 | -4 | -2 | -2 | -3 | 1 | 1 | 149 |
| EPS | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -0.49 | -0.63 | -0.68 | 0.30 | 0.21 | — |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- -5%
- 5 Years:
- 4%
- 3 Years:
- 19%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
STOCK PRICE CAGR
- 10 Years:
- 2%
- 5 Years:
- 0%
- 3 Years:
- -12%
- 1 Year:
- -3%
RETURN ON EQUITY
- 10 Years:
- -2%
- 5 Years:
- -2%
- 3 Years:
- 0%
- Last Year:
- 2%
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 19 | 19 | 19 | 19 | 19 | 19 | 19 | 19 | 19 | 19 |
| 68 | 69 | 68 | 64 | 60 | 59 | 57 | 54 | 56 | 56 | |
| 53 | 47 | 22 | 42 | 43 | 42 | 41 | 40 | 40 | 38 | |
| 25 | 28 | 49 | 27 | 30 | 58 | 59 | 58 | 57 | 56 | |
| Total Liabilities | 165 | 163 | 158 | 152 | 152 | 177 | 176 | 171 | 172 | 171 |
| 27 | 27 | 27 | 26 | 26 | 26 | 26 | 26 | 26 | 25 | |
| 25 | 25 | 31 | 30 | 28 | 6 | 6 | 3 | 4 | 4 | |
| 89 | 90 | 92 | 93 | 93 | 114 | 114 | 114 | 114 | 114 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Cash & Bank | 2 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 22 | 20 | 7 | 3 | 4 | 32 | 30 | 29 | 28 | 27 | |
| Total Assets | 165 | 163 | 158 | 152 | 152 | 177 | 176 | 171 | 172 | 171 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| 5 | -5 | 36 | -4 | 1 | 5 | 1 | 1 | 1 | 1 | |
| Cash from Investing | 5 | 1 | -7 | 0 | -0 | -6 | 0 | 0 | -0 | 0 |
| Cash from Financing | -9 | 3 | -29 | 4 | -0 | -1 | -1 | -1 | -1 | -1 |
| 1 | -1 | 1 | -0 | -0 | -0 | -0 | 0 | 0 | 0 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-09-02 - The Motor & General Finance Limited has informed the Exchange regarding 'Intimation under Regulations 30 and 36(1 )(b) of SEBl(Listing Obligationsand Disclosure Requirements) Regulations, 2015 ("the· SEBI ListingRegulations")'.
2026-09-02 - The Motor & General Finance Limited has informed the Exchange about Copy of Newspaper Publication
2026-09-01 - The Motor & General Finance Limited has informed the Exchange regarding Notice of Annual General Meeting to be held on September 24, 2026
2026-08-12 - The Motor & General Finance Limited has informed the Exchange about Submission of published copy of extract of Statement of Standalone and Consolidated Unaudited Financial Results for the quarter ended June 30,2026 under IND-AS Rules
2026-08-11 - The Motor & General Finance Limited has informed the Exchange that Record date for the purpose of MT is 18-Sep-2026.
2026-08-11 - The Motor & General Finance Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.
2026-08-11 - The Motor & General Finance Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.
2026-07-02 - The Motor & General Finance Limited has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018
2026-06-24 - The Motor & General Finance Limited has informed the Exchange regarding the Trading Window closure pursuant to SEBI (Prohibition of Insider Trading) Regulations, 2015
News
Recent coverage and analyst commentary for MOTOGENFIN
Loading news…
AI Stock Analyst
The Motor & General Finance Ltd.
Sign in to Chat with AI
Log in with your 5nance account to ask institutional questions about performance, financials, and outlook.
✨ Sign In to ChatFree 5nance Account