Motor & General Finance Ltd

Motor & Gen Fin Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Motor & General Finance Ltd

₹ 19.7 -0.80%
13 Mar - close price
mgfltd.com BSE: 501343 NSE: MOTOGENFIN
About

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

Key Points

Business Overview:[1]
MGFL is the flagship company of MGF Group. It provides automobiles hire purchase and financing of commercial vehicle. Company diversified into financing earth moving equipments for construction and mining industries. It 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. It was granted license of Merchant Banker which was later surrendered. MGF floated a company with Citicorp Securities and Investments (CSIL), an associate of Citibank, to offer scientifically developed collection systems.
Company surrendered its Non Banking Finance Company as COR, to Reserve Bank of India and, at present, does leasing and development of real estate

Website BSE NSE
  • Market Cap ₹ 72.4 Cr.
  • Current Price ₹ 19.7
  • High / Low ₹ 31.8 / 18.3
  • Stock P/E 54.8
  • Book Value ₹ 19.9
  • Dividend Yield 0.00 %
  • ROCE 1.32 %
  • ROE 1.07 %
  • Face Value ₹ 5.00
Edit ratios

Pros

  • Company has reduced debt.
  • Company is almost debt free.
  • Stock is trading at 0.99 times its book value

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • The company has delivered a poor sales growth of 2.34% over past five years.
  • Company has a low return on equity of -0.39% over last 3 years.
  • Earnings include an other income of Rs.3.38 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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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025
1.35 1.36 1.49 1.53 1.53 1.65 1.74 1.74 1.74 1.74 1.79 1.68 1.63
1.94 4.57 1.71 2.06 1.73 0.54 1.76 1.90 1.98 2.16 1.82 1.81 1.85
Operating Profit -0.59 -3.21 -0.22 -0.53 -0.20 1.11 -0.02 -0.16 -0.24 -0.42 -0.03 -0.13 -0.22
OPM % -43.70% -236.03% -14.77% -34.64% -13.07% 67.27% -1.15% -9.20% -13.79% -24.14% -1.68% -7.74% -13.50%
0.56 1.66 0.61 0.62 0.62 0.73 0.70 0.81 0.73 0.72 0.58 1.56 0.52
Interest 0.12 0.11 0.10 0.11 0.11 0.09 0.09 0.06 0.04 0.01 0.06 0.07 0.06
Depreciation 0.32 0.32 0.29 0.29 0.29 0.30 0.28 0.28 0.28 0.28 0.26 0.26 0.27
Profit before tax -0.47 -1.98 0.00 -0.31 0.02 1.45 0.31 0.31 0.17 0.01 0.23 1.10 -0.03
Tax % 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
-0.47 -1.98 0.00 -0.31 0.02 1.45 0.31 0.31 0.17 0.01 0.23 1.11 -0.03
EPS in Rs -0.12 -0.51 0.00 -0.08 0.01 0.37 0.08 0.08 0.04 0.00 0.06 0.29 -0.01
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
14.72 15.16 14.74 11.67 9.74 6.21 2.49 4.59 5.43 6.20 6.97 6.84
12.61 11.43 11.61 10.13 12.28 11.76 4.86 6.82 9.90 6.02 7.80 7.64
Operating Profit 2.11 3.73 3.13 1.54 -2.54 -5.55 -2.37 -2.23 -4.47 0.18 -0.83 -0.80
OPM % 14.33% 24.60% 21.23% 13.20% -26.08% -89.37% -95.18% -48.58% -82.32% 2.90% -11.91% -11.70%
5.07 4.72 1.01 1.48 0.79 4.16 2.41 1.67 3.57 2.57 2.95 3.38
Interest 7.03 5.51 5.25 3.90 1.28 0.77 0.63 0.48 0.45 0.42 0.20 0.20
Depreciation 0.90 1.00 1.25 1.17 1.46 1.29 1.28 1.41 1.28 1.17 1.13 1.07
Profit before tax -0.75 1.94 -2.36 -2.05 -4.49 -3.45 -1.87 -2.45 -2.63 1.16 0.79 1.31
Tax % 28.00% 27.32% -30.93% -38.54% -18.71% 0.87% 0.00% 0.00% 0.00% 0.00% 0.00%
-2.21 -0.05 -1.63 -1.27 -3.65 -3.49 -1.87 -2.46 -2.62 1.16 0.80 1.32
EPS in Rs -0.57 -0.01 -0.42 -0.33 -0.94 -0.90 -0.48 -0.64 -0.68 0.30 0.21 0.34
Dividend Payout % 0.00% 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: -7%
5 Years: 2%
3 Years: 15%
TTM: 0%
Compounded Profit Growth
10 Years: 8%
5 Years: 17%
3 Years: 33%
TTM: -41%
Stock Price CAGR
10 Years: 0%
5 Years: 0%
3 Years: -11%
1 Year: -25%
Return on Equity
10 Years: -2%
5 Years: -1%
3 Years: 0%
Last Year: 1%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Sep 2025
Equity Capital 19.36 19.36 19.36 19.36 19.36 19.36 19.36 19.36 19.36 19.36 19.36 19.36
Reserves 67.66 67.91 68.86 67.63 63.98 60.20 58.83 56.77 54.47 55.64 56.35 57.58
52.70 49.39 40.16 18.78 4.24 4.39 3.83 2.89 1.98 1.27 0.04 0.37
28.58 29.47 35.62 53.58 67.25 70.38 97.81 99.10 98.04 98.14 97.15 96.48
Total Liabilities 168.30 166.13 164.00 159.35 154.83 154.33 179.83 178.12 173.85 174.41 172.90 173.79
27.96 27.04 47.43 53.99 52.55 51.39 55.72 54.23 52.95 51.91 50.78 50.24
CWIP 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Investments 27.53 25.13 4.30 3.64 3.94 2.93 5.66 5.82 2.86 4.19 4.23 4.23
112.81 113.96 112.27 101.72 98.34 100.01 118.45 118.07 118.04 118.31 117.89 119.32
Total Assets 168.30 166.13 164.00 159.35 154.83 154.33 179.83 178.12 173.85 174.41 172.90 173.79

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
2.67 4.36 -5.25 36.56 -3.79 0.02 6.40 1.11 1.04 0.96 0.95
5.48 5.41 1.17 -6.61 0.21 -0.21 -5.52 0.07 0.22 -0.04 0.35
-8.72 -8.95 2.92 -29.33 3.58 -0.11 -0.92 -1.23 -1.13 -0.89 -1.28
Net Cash Flow -0.57 0.82 -1.16 0.63 0.00 -0.29 -0.03 -0.05 0.12 0.04 0.02

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Debtor Days 5.46 33.47 69.83 126.36 2.25 73.47 86.49 45.33 7.39 13.54 25.66
Inventory Days
Days Payable
Cash Conversion Cycle 5.46 33.47 69.83 126.36 2.25 73.47 86.49 45.33 7.39 13.54 25.66
Working Capital Days 1,943.77 1,833.91 1,913.15 1,529.75 2,324.91 3,604.15 8,270.40 4,376.82 3,635.88 3,250.27 3,000.65
ROCE % 2.64% 2.17% 1.58% -3.32% -3.12% -1.49% -2.45% -3.07% 2.04% 1.32%

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Net Carrying Amount of Investment Property
₹ Lakhs ・Standalone data
Rental Income
₹ Lakhs ・Standalone data
Number of Permanent Employees
Number ・Standalone data

Shareholding Pattern

Numbers in percentages

2 Recently
Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
69.14% 69.34% 69.03% 69.57% 69.57% 69.57% 69.57% 69.57% 69.57% 69.60% 69.60% 69.60%
2.66% 2.66% 2.66% 2.66% 2.66% 2.66% 2.66% 2.66% 2.66% 2.67% 2.66% 2.66%
0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.04% 0.04% 0.04% 0.04% 0.04%
28.18% 27.99% 28.30% 27.76% 27.77% 27.76% 27.76% 27.73% 27.74% 27.69% 27.70% 27.71%
No. of Shareholders 8,3848,1648,0698,1058,6038,9669,0409,5389,67610,02910,16610,420

* 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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