The Motor & General Finance Ltd.

•

mgfltd.comBSE: 501343NSE: MOTOGENFIN

Market Cap₹ 111 Cr.

Current Price

High / Low₹ 33 / 18

Stock P/E0.8

Book Value₹ 52

Price to Book1.78

Dividend Yield0.00 %

ROCE2.6 %

ROE2.2 %

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 (296.6% of PBT)
Company has a low return on capital employed of 1.3%
Company has a low return on equity of 0.6% 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	1060.50	32.52	660262.45	0.57	6080.60	27.60	23165.45	20.37	10.87	70.70
2.	SHRIRAMFIN	1041.00	21.64	244945.59	1.04	3452.77	59.90	13400.43	17.46	11.49	74.63
3.	TATACAP	375.00	29.46	159182.59	0.15	16281.80	1464.16	88219.30	1051.00	8.66	75.72
4.	JIOFIN	239.85	76.64	158376.35	0.25	830.25	155.73	2004.47	227.28	2.11	69.71
5.	CHOLAFIN	1839.00	27.31	157062.74	0.11	1656.22	45.56	8856.29	21.89	9.70	70.07
6.	BAJAJHLDNG	11148.75	14.01	124078.35	1.75	2708.08	-92.27	394.33	23.34	14.81	684.72
7.	MUTHOOTFIN	2920.00	10.31	117228.79	1.03	2824.84	43.08	8671.60	36.25	15.87	83.76
8.	ABCAPITAL	404.80	27.00	110814.49	0.00	1223.85	43.85	12179.54	137.84	8.82	41.91
9.	LTF	314.00	24.73	78699.47	0.88	915.99	30.70	5212.92	22.38	8.54	62.13
10.	SBICARD	657.90	27.52	62608.60	0.38	664.44	19.51	5040.55	7.60	11.75	29.83
11.	HDBFS	682.25	26.05	56678.94	0.59	785.20	38.31	4937.90	18.71	9.09	57.98
12.	MOTOGENFIN	28.71	0.75	111.19	0.00	2.27	885.22	1.86	3.91	1.99	20.91

Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	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	0	2	2	2	2	2	4	2	1	2
Operating Profit	-0	-1	-0	1	-0	-0	-0	-0	-0	-3	-0	1	0
OPM %	-13.42%	-33.99%	-13.07%	80.61%	-0.57%	-9.20%	-13.79%	-2.87%	-0.56%	-163.10%	-14.11%	52.30%	13.39%
	1	1	1	1	1	1	1	1	1	1	1	158	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	2	0	0	0	0	0	-2	-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%	14.32%
Net Profit	0	-0	0	2	0	0	0	0	0	-2	-0	145	2
	0.00	-0.08	0.00	0.43	0.08	0.08	0.04	0.11	0.06	-0.53	-0.01	37.53	0.59

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	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	10	10	12	13	7	7	9	7	8	9
Operating Profit	2	3	1	-3	-8	-5	-3	-3	-1	-1	-2
OPM %	17.31%	22.35%	7.71%	-36.49%	-133.72%	-238.83%	-66.31%	-63.95%	-18.48%	-14.41%	-26.21%
	6	3	3	2	4	6	3	4	4	4	162
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	-1	-2	-4	-5	-1	-2	-2	1	1	159
Tax %	27.16%	136.89%	56.21%	24.21%	-0.63%	-0.00%	-0.00%	-0.00%	0.00%	0.00%	8.74%
Net Profit	1	0	-1	-3	-5	-1	-2	-2	1	1	146
EPS	0.00	0.00	0.00	0.00	0.00	-0.27	-0.46	-0.42	0.36	0.31	—
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:: 3%
5 Years:: 3%
3 Years:: -9%
1 Year:: 10%

RETURN ON EQUITY

10 Years:: -2%
5 Years:: -1%
3 Years:: 1%
Last Year:: 2%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

	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
	70	71	70	67	62	61	59	58	59	60
	60	45	22	42	43	42	41	40	40	38
	18	29	48	26	29	57	58	57	56	56
Total Liabilities	167	164	159	154	152	178	177	174	175	174
	27	27	27	26	26	26	26	26	26	25
	28	26	33	32	29	7	7	5	7	7
	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	167	164	159	154	152	178	177	174	175	174

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	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

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
PER SHARE
EPS (₹)	0.73	0.19	-0.38	-1.65	-2.81	-0.27	-0.46	-0.42	0.36	0.31
Book Value (₹)	32.90	33.19	32.84	31.19	28.43	13.96	13.59	13.20	13.56	13.89
Dividend per Share (₹)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Cash EPS (₹)	0.62	0.42	0.12	-0.45	-1.07	0.06	-0.09	-0.09	0.66	0.60
PROFITABILITY
Operating Margin %	61.10%	41.49%	32.33%	-16.79%	-58.76%	40.53%	2.85%	1.79%	-18.48%	-14.41%
Net Margin %	10.22%	2.83%	-6.89%	-36.27%	-95.68%	-50.03%	-42.53%	-30.07%	22.45%	17.00%
ROE %	2.25%	0.58%	-1.14%	-5.15%	-9.44%	-1.94%	-3.33%	-3.15%	2.69%	2.23%
ROCE %	6.54%	3.89%	2.40%	-4.00%	-7.48%	-0.73%	-2.28%	-2.17%	3.40%	2.57%
	0.84%	0.23%	-0.45%	-2.03%	-3.55%	-0.64%	-1.00%	-0.93%	0.80%	0.68%
EFFICIENCY
Debtor Days	21	58	119	85	42	159	51	23	10	19
Inventory Days	2349	2469	3150	3839	5952	0	9928	7637	6682	5945
Payable Days	0	0	0	0	0	0	0	0	0	0
	2370	2527	3269	3924	5994	159	9979	7660	6691	5964
FINANCIAL HEALTH
Debt to Equity (x)	0.78x	0.62x	0.30x	0.07x	0.08x	0.07x	0.05x	0.04x	0.02x	0.00x
Interest Coverage (x)	1.35x	0.81x	0.57x	-2.30x	-5.99x	-0.68x	-2.69x	-2.62x	4.28x	6.93x
	3.44x	3.49x	1.98x	2.88x	2.72x	1.84x	1.83x	1.89x	1.93x	1.99x
GROWTH
Revenue Growth %	19.24%	-4.40%	-20.15%	-16.61%	-35.31%	-62.87%	97.52%	30.00%	14.30%	12.38%
Operating Profit Growth %	-8.28%	-35.09%	-37.77%	-143.31%	-126.33%	125.61%	-86.11%	-18.32%	2975.93%	-16.00%
Net Profit Growth %	247.20%	-73.54%	-294.43%	-339.20%	-70.64%	80.59%	-67.89%	8.08%	185.32%	-14.87%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	185.33%	-14.88%
VALUATION
P/E (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	84.82x	80.69x
P/B (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	2.25x	1.78x
Dividend Yield %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	39.83x	38.06x

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

1060.50

32.52

660262.45

0.57

6080.60

27.60

23165.45

20.37

10.87

70.70

SHRIRAMFIN

1041.00

21.64

244945.59

1.04

3452.77

59.90

13400.43

17.46

11.49

74.63

TATACAP

375.00

29.46

159182.59

0.15

16281.80

1464.16

88219.30

1051.00

8.66

75.72

JIOFIN

239.85

76.64

158376.35

0.25

830.25

155.73

2004.47

227.28

2.11

69.71

CHOLAFIN

1839.00

27.31

157062.74

0.11

1656.22

45.56

8856.29

21.89

9.70

70.07

BAJAJHLDNG

11148.75

14.01

124078.35

1.75

2708.08

-92.27

394.33

23.34

14.81

684.72

MUTHOOTFIN

2920.00

10.31

117228.79

1.03

2824.84

43.08

8671.60

36.25

15.87

83.76

ABCAPITAL

404.80

27.00

110814.49

0.00

1223.85

43.85

12179.54

137.84

8.82

41.91

LTF

314.00

24.73

78699.47

0.88

915.99

30.70

5212.92

22.38

8.54

62.13

SBICARD

657.90

27.52

62608.60

0.38

664.44

19.51

5040.55

7.60

11.75

29.83

HDBFS

682.25

26.05

56678.94

0.59

785.20

38.31

4937.90

18.71

9.09

57.98

MOTOGENFIN

28.71

0.75

111.19

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

-3

-0

OPM %

-13.42%

-33.99%

-13.07%

80.61%

-0.57%

-9.20%

-13.79%

-2.87%

-0.56%

-163.10%

-14.11%

52.30%

13.39%

158

Interest

Depreciation

Profit before Tax

-0

-2

-0

159

Tax %

0.00%

-0.00%

0.00%

-0.00%

8.53%

14.32%

Net Profit

-0

-2

-0

145

0.00

-0.08

0.00

0.43

0.08

0.04

0.11

0.06

-0.53

-0.01

37.53

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

-8

-5

-3

-1

-2

OPM %

17.31%

22.35%

7.71%

-36.49%

-133.72%

-238.83%

-66.31%

-63.95%

-18.48%

-14.41%

-26.21%

162

Interest

Depreciation

Profit before Tax

-1

-2

-4

-5

-1

-2

159

Tax %

27.16%

136.89%

56.21%

24.21%

-0.63%

-0.00%

0.00%

8.74%

Net Profit

-1

-3

-5

-1

-2

146

EPS

0.00

-0.27

-0.46

-0.42

0.36

0.31

—

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

167

164

159

154

152

178

177

174

175

174

114

Cash & Bank

Total Assets

167

164

159

154

152

178

177

174

175

174

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

PER SHARE

EPS (₹)

0.73

0.19

-0.38

-1.65

-2.81

-0.27

-0.46

-0.42

0.36

0.31

Book Value (₹)

32.90

33.19

32.84

31.19

28.43

13.96

13.59

13.20

13.56

13.89

Dividend per Share (₹)

0.00

Cash EPS (₹)

0.62

0.42

0.12

-0.45

-1.07

0.06

-0.09

0.66

0.60

PROFITABILITY

Operating Margin %

61.10%

41.49%

32.33%

-16.79%

-58.76%

40.53%

2.85%

1.79%

-18.48%

-14.41%

Net Margin %

10.22%

2.83%

-6.89%

-36.27%

-95.68%

-50.03%

-42.53%

-30.07%

22.45%

17.00%

ROE %

2.25%

0.58%

-1.14%

-5.15%

-9.44%

-1.94%

-3.33%

-3.15%

2.69%

2.23%

ROCE %

6.54%

3.89%

2.40%

-4.00%

-7.48%

-0.73%

-2.28%

-2.17%

3.40%

2.57%

0.84%

0.23%

-0.45%

-2.03%

-3.55%

-0.64%

-1.00%

-0.93%

0.80%

0.68%

EFFICIENCY

Debtor Days

119

159

Inventory Days

2349

2469

3150

3839

5952

9928

7637

6682

5945

Payable Days

2370

2527

3269

3924

5994

159

9979

7660

6691

5964

FINANCIAL HEALTH

Debt to Equity (x)

0.78x

0.62x

0.30x

0.07x

0.08x

0.07x

0.05x

0.04x

0.02x

0.00x

Interest Coverage (x)

1.35x

0.81x

0.57x

-2.30x

-5.99x

-0.68x

-2.69x

-2.62x

4.28x

6.93x

3.44x

3.49x

1.98x

2.88x

2.72x

1.84x

1.83x

1.89x

1.93x

1.99x

GROWTH

Revenue Growth %

19.24%

-4.40%

-20.15%

-16.61%

-35.31%

-62.87%

97.52%

30.00%

14.30%

12.38%

Operating Profit Growth %

-8.28%

-35.09%

-37.77%

-143.31%

-126.33%

125.61%

-86.11%

-18.32%

2975.93%

-16.00%

Net Profit Growth %

247.20%

-73.54%

-294.43%

-339.20%

-70.64%

80.59%

-67.89%

8.08%

185.32%

-14.87%

0.00%

185.33%

-14.88%

VALUATION

P/E (x)

0.00x

84.82x

80.69x

P/B (x)

0.00x

2.25x

1.78x

Dividend Yield %

0.00%

0.00x

39.83x

38.06x

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.

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Quarterly Results

Profit & Loss

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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

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