Motor & General Finance Ltd

₹ 24.5 -2.19%

05 Oct - close price

About

Incorporated in 1930, Motor & General
Finance Ltd is in the business of Rental/
leasing of Immovable Property^[1]

Key Points

Business Overview:
MGF was historically a major hire-purchase financier of commercial vehicles and later financed earth-moving equipment used in construction/mining. It also operated merchant banking, corporate advisory, fund management, debt factoring, and a Citicorp-linked collections venture. These are legacy activities.The merchant-banking licence and NBFC registration were surrendered. Current income comes mainly from letting and monetising owned real estate. ^[1]

Website BSE NSE

Market Cap ₹ 95.0 Cr.
Current Price ₹ 24.5
High / Low ₹ 34.4 / 16.6
Stock P/E 68.4
Book Value ₹ 57.7
Dividend Yield 0.00 %
ROCE -0.18 %
ROE -18.3 %
Face Value ₹ 5.00

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Pros

Company has reduced debt.
Company is almost debt free.
Stock is trading at 0.43 times its book value
Promoter holding has increased by 1.19% over last quarter.

Cons

Though the company is reporting repeated profits, it is not paying out dividend
Company has a low return on equity of -8.15% over last 3 years.
Earnings include an other income of Rs.162 Cr.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

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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
	1.49	1.53	1.53	1.65	1.74	1.74	1.74	1.74	1.79	1.68	1.63	1.74	1.86
	1.69	2.06	1.73	0.32	1.74	1.90	1.98	1.79	1.80	4.42	1.85	0.83	1.46
Operating Profit	-0.20	-0.53	-0.20	1.33	0.00	-0.16	-0.24	-0.05	-0.01	-2.74	-0.22	0.91	0.40
OPM %	-13.42%	-34.64%	-13.07%	80.61%	0.00%	-9.20%	-13.79%	-2.87%	-0.56%	-163.10%	-13.50%	52.30%	21.51%
	0.61	0.62	0.62	0.73	0.70	0.80	0.73	0.72	0.58	1.01	0.52	158.33	2.40
Interest	0.10	0.11	0.11	0.09	0.09	0.06	0.04	0.01	0.06	0.07	0.06	0.06	0.06
Depreciation	0.29	0.29	0.29	0.30	0.28	0.28	0.28	0.28	0.26	0.26	0.27	0.27	0.09
Profit before tax	0.02	-0.31	0.02	1.67	0.33	0.30	0.17	0.38	0.25	-2.06	-0.03	158.91	2.65
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%	14.34%
	0.02	-0.31	0.02	1.67	0.33	0.30	0.17	0.38	0.25	-2.06	-0.03	145.35	2.27
EPS in Rs	0.01	-0.08	0.01	0.43	0.09	0.08	0.04	0.10	0.06	-0.53	-0.01	37.53	0.59
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	15	15	15	12	10	6	2	4	5	6	7	7	7
	13	11	10	10	12	13	4	6	9	6	7	9	9
Operating Profit	2	4	4	2	-2	-7	-2	-2	-3	0	-0	-2	-2
OPM %	15%	25%	30%	17%	-23%	-114%	-62%	-40%	-64%	7%	-6%	-30%	-24%
	5	5	1	1	1	4	2	2	4	3	3	160	162
Interest	7	6	5	4	1	1	1	0	0	0	0	0	0
Depreciation	1	1	1	1	1	1	1	1	1	1	1	1	1
Profit before tax	-1	2	-1	-2	-4	-5	-1	-2	-2	1	1	157	159
Tax %	28%	27%	-138%	-56%	-24%	1%	0%	0%	0%	0%	0%	9%
	-1	1	0	-1	-3	-5	-1	-2	-2	1	1	144	146
EPS in Rs	-0.25	0.36	0.10	-0.19	-0.82	-1.41	-0.27	-0.46	-0.42	0.36	0.31	37.06	37.58
Dividend Payout %	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%

Compounded Sales Growth
10 Years:	-8%
5 Years:	22%
3 Years:	8%
TTM:	-1%

Compounded Profit Growth
10 Years:	%
5 Years:	%
3 Years:	%
TTM:	26%

Stock Price CAGR
10 Years:	2%
5 Years:	-1%
3 Years:	-8%
1 Year:	-7%

Return on Equity
10 Years:	-4%
5 Years:	-6%
3 Years:	-8%
Last Year:	-18%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	19	19	19	19	19	19	19	19	19	19	19	19
Reserves	69	70	71	70	67	62	61	59	58	59	60	204
	53	49	40	19	4	4	4	3	2	1	0	0
	29	29	36	54	67	70	98	96	98	98	97	84
Total Liabilities	169	169	166	162	158	156	182	177	177	178	177	308
	28	27	47	54	53	51	56	54	53	52	51	29
CWIP	0	0	0	0	0	0	0	0	0	0	0	0
Investments	28	28	6	5	6	3	7	7	5	7	7	4
	113	114	113	103	99	101	119	116	119	119	119	276
Total Assets	169	169	166	162	158	156	182	177	177	178	177	308

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	3	4	-5	37	-4	0	6	1	1	1	1	-44
	5	5	1	-7	0	-0	-6	0	0	-0	0	201
	-9	-9	3	-29	4	-0	-1	-1	-1	-1	-1	-0
Net Cash Flow	-1	1	-1	1	0	-0	-0	-0	0	0	0	156
Free Cash Flow	5	8	-5	29	-4	-0	1	1	1	1	1	-45
CFO/OP	194%	134%	-108%	1,848%	168%	-9%	-413%	-63%	-42%	248%	-127%	1,520%

Ratios

Standalone / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Debtor Days	5	33	70	126	2	73	86	48	7	14	26	35
Inventory Days
Days Payable
Cash Conversion Cycle	5	33	70	126	2	73	86	48	7	14	26	35
Working Capital Days	1,936	1,834	1,913	1,530	2,325	3,604	8,270	4,866	3,636	3,250	3,001	1,880
ROCE %	2%	3%	3%	2%	-3%	-5%	-0%	-2%	-2%	2%	2%	-0%

Insights

In beta

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Future Minimum Lease Payments Receivable
INR lakhs

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xx.xx	xx.xx	xx.xx	xx.xx	xx.xx	xx.xx	xx.xx	xx.xx	xx.xx
	xx,xxx.xx	xx,xxx.xx	xx,xxx.xx	xx,xxx.xx	x,xxx.xx	xx,xxx.xx	xx,xxx.xx	xx,xxx.xx

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Number of Major Customers (each >10% of revenue)
count

Number of Permanent Employees
count

Rental Income from Investment Properties
INR lakhs

Revenue Concentration from Major Customers
% of total revenue

Fair Value of Investment Properties
INR lakhs

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	69.03%	69.57%	69.57%	69.57%	69.57%	69.57%	69.57%	69.60%	69.60%	69.60%	69.60%	70.79%
	2.66%	2.66%	2.66%	2.66%	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%	0.04%	0.04%	0.04%	0.04%	0.04%	0.04%	0.04%
	28.30%	27.76%	27.77%	27.76%	27.76%	27.73%	27.74%	27.69%	27.70%	27.71%	27.71%	26.52%
No. of Shareholders	8,069	8,105	8,603	8,966	9,040	9,538	9,676	10,029	10,166	10,420	10,265	9,974

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	Jun 2026
	63.08%	63.15%	63.61%	65.24%	67.07%	67.68%	69.05%	69.14%	69.57%	69.57%	69.60%	70.79%
	2.66%	2.66%	2.66%	2.66%	2.66%	2.66%	2.66%	2.66%	2.66%	2.66%	2.66%	2.66%
	0.03%	0.03%	0.00%	0.00%	0.00%	0.00%	0.00%	0.01%	0.01%	0.04%	0.04%	0.04%
	0.00%	0.02%	0.06%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
	34.23%	34.13%	33.67%	32.10%	30.27%	29.66%	28.29%	28.18%	27.77%	27.74%	27.71%	26.52%
No. of Shareholders	10,164	10,046	8,312	7,649	6,796	7,248	7,844	8,384	8,603	9,676	10,265	9,974

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Motor & General Finance Ltd

Motor & General Finance Ltd

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Cash Flows

Ratios

Insights

Shareholding Pattern

Documents

Announcements

Annual reports