Motor & General Finance Ltd. (MOTOGENFIN) AI Stock Analysis

• Market Cap: ₹1.04B
• Dividend Yield: N/A
• Average Volume (3M): 34.09K
• Price to Earnings (P/E): 145.7
• Beta (1Y): 1.52
• Revenue Growth: 7.97%
• EPS Growth: -51.43%
• Country: IN
• Employees: 18
• Sector: Financial
• Sector Strength: 70
• Industry: Real Estate - Diversified
• EPS (TTM): 0.06
• Shares Outstanding: 38,727,190
• 10 Day Avg. Volume: 1,999
• 30 Day Avg. Volume: 34,086
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: ₹28.00
• Price Target Upside: 3.97% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 57 Neutral
• Price Target: ₹28.00 ▲(3.97% Upside)

The overall stock score of 57 reflects a mixed outlook. The company's strong financial recovery and robust balance sheet are positive indicators, but technical analysis suggests weak momentum, and the high P/E ratio indicates potential overvaluation. The absence of dividend yield further impacts the valuation negatively.

Motor & General Finance Ltd. Business Overview & Revenue Model

Company Description

Motor & General Finance Ltd. (MOTOGENFIN) is a diversified non-banking finance company (NBFC) in India, engaged in offering financial services and solutions. The company's primary focus is on leasing, hire purchase, and lending services, catering to a broad range of sectors including transportation, infrastructure, and real estate. Established with a strong presence in the financial services industry, Motor & General Finance Ltd. strives to provide efficient and customized financial products to both individual and corporate clients.

How the Company Makes Money

Motor & General Finance Ltd. generates revenue primarily through interest income from its leasing and hire purchase activities, where it finances the purchase of vehicles and equipment for businesses and individuals. The company also earns from interest on loans provided to its clients, including personal and commercial loans. Additionally, it may gain revenue from investment activities, returns on real estate holdings, and other financial services it offers. By leveraging its expertise in finance and a robust network, the company maintains partnerships with various stakeholders in the finance and transportation sectors, contributing to its steady revenue streams.

Motor & General Finance Ltd. Financial Statement Overview

Summary

Motor & General Finance Ltd. has shown a commendable recovery in its financial performance, with strong revenue growth and positive net income in 2025. The balance sheet is robust with low leverage, and cash flow metrics demonstrate solid cash generation capabilities. While the company has improved its profitability and operational efficiency, historical volatility in income and debt levels suggests a need for cautious financial management going forward.

Income Statement

The company has shown a positive revenue growth trend from 2022 to 2025, with a notable increase in total revenue. However, the gross profit margin decreased in 2025 compared to 2024, indicating increased cost pressure. Net profit margin was positive in 2025, recovering from significant losses in previous years. EBIT and EBITDA margins have improved, indicating better operational efficiency, although past losses suggest historical instability.

Balance Sheet

The balance sheet shows a strong equity position with a high equity ratio, indicating financial stability. The debt-to-equity ratio is low, suggesting low financial leverage and reduced risk of financial distress. Return on Equity (ROE) turned positive in 2025, reflecting improved profitability. However, fluctuations in total debt over the years highlight potential risks in debt management.

Cash Flow

The company has consistently generated positive free cash flow, with a significant increase in 2025. The operating cash flow to net income ratio is healthy, demonstrating strong cash generation relative to net income. Free cash flow growth has been positive, indicating effective capital expenditure management. Despite this, cash flow from financing activities suggests some challenges in external funding.

Breakdown	TTM	Dec 2025	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	83.11M	99.27M	87.42M	54.27M	41.75M	21.14M
Gross Profit	67.08M	35.01M	75.40M	44.31M	31.74M	4.02M
EBITDA	37.12M	21.59M	11.53M	-8.96M	-8.09M	-21.92M
Net Income	22.42M	7.97M	11.60M	-26.23M	-24.57M	-18.74M
Balance Sheet
Total Assets	0.00	1.73B	1.74B	1.74B	1.78B	1.80B
Cash, Cash Equivalents and Short-Term Investments	0.00	1.23M	1.29M	2.68M	499.00K	489.53K
Total Debt	0.00	426.00K	12.66M	19.83M	30.56M	39.52M
Total Liabilities	-756.20M	971.79M	994.12M	1.00B	1.02B	1.02B
Stockholders Equity	756.20M	757.18M	750.00M	738.31M	761.33M	781.96M
Cash Flow
Free Cash Flow	0.00	10.60M	7.63M	10.33M	11.05M	6.96M
Operating Cash Flow	0.00	10.66M	9.60M	10.43M	11.09M	64.02M
Investing Cash Flow	0.00	1.80M	-389.00K	2.15M	682.00K	-55.19M
Financing Cash Flow	0.00	-12.24M	-8.85M	-11.35M	-12.25M	-9.16M

Motor & General Finance Ltd. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 26.93
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:MOTOGENFIN, the sentiment is Positive. The current price of 26.93 is above the 20-day moving average (MA) of 26.31, above the 50-day MA of 26.74, and below the 200-day MA of 28.02, indicating a neutral trend. The MACD of -0.06 indicates Negative momentum. The RSI at 53.58 is Neutral, neither overbought nor oversold. The STOCH value of 52.62 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:MOTOGENFIN.

Motor & General Finance Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HYBRIDFIN	71 Outperform	₹444.49M	13.76		―	3.86%	5.42%
Sector *	68 Neutral	$17.80B	11.87	10.23%	3.74%	9.69%	1.18%
BAIDFIN	62 Neutral	₹1.36B	9.49		0.88%	29.23%	38.30%
MOTOGENFIN	57 Neutral	₹1.04B	145.73		―	7.97%	-51.43%
GUJSTATFIN	―	₹1.33B	―		―	―	―
TFL	41 Neutral	₹788.03M	123.69		―	-16.55%	-334.08%
TIMESGTY	―	₹2.34B	99.61		―	―	―

Motor & General Finance Ltd. Corporate Events

Motor & General Finance Ltd. Announces Trading Window Closure

Motor & General Finance Limited announced the closure of its trading window from July 1, 2025, as per SEBI regulations, to prepare for the declaration of its unaudited financial results for the first quarter ending June 30, 2025. The trading window will reopen 48 hours after the announcement of these results, impacting all designated persons and their immediate relatives.