The Motor & General Finance Ltd.

•

mgfltd.comBSE: 501343NSE: MOTOGENFIN

Market Cap₹ 103 Cr.

Current Price

High / Low₹ 34 / 18

Stock P/E0.7

Book Value₹ 51

Price to Book1.92

Dividend Yield0.00 %

ROCE2.0 %

ROE1.6 %

Face Value₹ 5

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ABOUT

AI Sector View

AI GENERATED

Financial Services

Buy

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.

Confidence

84%

View full sector analysis →

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

Financial ServicesFinanceFinance - NBFC

Part ofNIFTY 50 NIFTY 500 NIFTY LARGEMIDCAP 250 NIFTY 100 NIFTY 200

S.No.	Name
1.	BAJFINANCE	1046.00	32.08	651234.82	0.57	6080.60	27.60	23165.45	20.37	10.87	70.70
2.	SHRIRAMFIN	1038.00	21.58	244239.69	1.04	3452.77	59.90	13400.43	17.46	11.49	74.63
3.	CHOLAFIN	1849.10	27.46	157925.34	0.11	1656.22	45.56	8856.29	21.89	9.70	70.07
4.	TATACAP	362.95	28.51	154067.52	0.16	16281.80	1464.16	88219.30	1051.00	8.66	75.72
5.	JIOFIN	231.15	73.86	152631.62	0.26	830.25	155.73	2004.47	227.28	2.11	69.71
6.	BAJAJHLDNG	10971.00	13.79	122100.11	1.78	2708.08	-92.27	394.33	23.34	14.81	684.72
7.	MUTHOOTFIN	2840.00	10.03	114017.05	1.06	2824.84	43.08	8671.60	36.25	15.87	83.76
8.	ABCAPITAL	400.00	26.68	109501.94	0.00	1223.85	43.85	12179.54	137.84	8.82	41.91
9.	LTF	311.25	24.51	78010.22	0.88	915.99	30.70	5212.92	22.38	8.54	62.13
10.	SBICARD	666.00	27.86	63379.43	0.38	664.44	19.51	5040.55	7.60	11.75	29.83
11.	HDBFS	676.50	25.83	56201.25	0.59	785.20	38.31	4937.90	18.71	9.09	57.98
12.	MOTOGENFIN	26.70	0.69	103.40	0.00	2.27	885.22	1.86	3.91	1.99	20.91

Detailed Comparison with:

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

Shareholding Pattern

Numbers in percentages

	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	69.57	69.57	69.57	69.60	69.60	69.60	69.60	70.79
	2.66	2.66	2.66	2.67	2.66	2.66	2.66	2.66
	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	27.77	27.77	27.77	27.73	27.74	27.74	27.74	26.55

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-02

Updates

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

Copy of Newspaper Publication

2026-09-02 - The Motor & General Finance Limited has informed the Exchange about Copy of Newspaper Publication

2026-09-01

Shareholders meeting

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

Copy of Newspaper Publication

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

Record Date

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

Outcome of Board Meeting

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

Outcome of Board Meeting

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

Certificate under SEBI (Depositories and Participants) Regulations, 2018

2026-07-02 - The Motor & General Finance Limited has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018

2026-06-24

Trading Window

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

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The Motor & General Finance Ltd.

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Free 5nance Account

Name

BAJFINANCE

1046.00

32.08

651234.82

0.57

6080.60

27.60

23165.45

20.37

10.87

70.70

SHRIRAMFIN

1038.00

21.58

244239.69

1.04

3452.77

59.90

13400.43

17.46

11.49

74.63

CHOLAFIN

1849.10

27.46

157925.34

0.11

1656.22

45.56

8856.29

21.89

9.70

70.07

TATACAP

362.95

28.51

154067.52

0.16

16281.80

1464.16

88219.30

1051.00

8.66

75.72

JIOFIN

231.15

73.86

152631.62

0.26

830.25

155.73

2004.47

227.28

2.11

69.71

BAJAJHLDNG

10971.00

13.79

122100.11

1.78

2708.08

-92.27

394.33

23.34

14.81

684.72

MUTHOOTFIN

2840.00

10.03

114017.05

1.06

2824.84

43.08

8671.60

36.25

15.87

83.76

ABCAPITAL

400.00

26.68

109501.94

0.00

1223.85

43.85

12179.54

137.84

8.82

41.91

LTF

311.25

24.51

78010.22

0.88

915.99

30.70

5212.92

22.38

8.54

62.13

SBICARD

666.00

27.86

63379.43

0.38

664.44

19.51

5040.55

7.60

11.75

29.83

HDBFS

676.50

25.83

56201.25

0.59

785.20

38.31

4937.90

18.71

9.09

57.98

MOTOGENFIN

26.70

0.69

103.40

0.00

2.27

885.22

1.86

3.91

1.99

20.91

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

Operating Profit

-0

-1

-0

-1

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%

161

Interest

Depreciation

Profit before Tax

-0

159

Tax %

0.00%

-0.00%

0.00%

-0.00%

8.53%

14.36%

Net Profit

-0

145

0.00

-0.08

0.00

0.38

0.08

0.04

-0.02

0.06

0.29

-0.01

37.56

0.59

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

TTM

Operating Profit

-3

-6

-5

-3

-4

-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%

165

Interest

Depreciation

Profit before Tax

-2

-4

-2

-3

163

Tax %

27.16%

47.15%

47.36%

19.19%

-0.89%

-0.00%

0.00%

8.57%

Net Profit

-1

-4

-2

-3

149

EPS

0.00

-0.49

-0.63

-0.68

0.30

0.21

—

Dividend Payout %

0.00%

—

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Equity Capital

Total Liabilities

165

163

158

152

177

176

171

172

171

114

Cash & Bank

Total Assets

165

163

158

152

177

176

171

172

171

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

-5

-4

Cash from Investing

-7

-0

-6

-0

Cash from Financing

-9

-29

-0

-1

-0

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

69.57

69.60

70.79

2.66

2.67

2.66

0.01

Government

0.00

27.77

27.73

27.74

26.55

The Motor & General Finance Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI

The Motor & General Finance Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI