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

• Market Cap: ₹871.36M
• Dividend Yield: N/A
• Average Volume (3M): 4.91K
• Price to Earnings (P/E): 59.0
• Beta (1Y): 1.59
• Revenue Growth: 10.72%
• EPS Growth: -27.59%
• Country: IN
• Employees: 18
• Sector: Financial
• Sector Strength: 70
• Industry: Real Estate - Diversified
• EPS (TTM): 0.29
• Shares Outstanding: 38,727,190
• 10 Day Avg. Volume: 3,074
• 30 Day Avg. Volume: 4,906
• PEG Ratio: -3.68
• Price to Book (P/B): 1.42
• Price to Sales (P/S): 11.27
• P/FCF Ratio: 101.45
• 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: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 59 Neutral
• Price Target: ₹27.00 ▲(15.88% Upside)

The overall stock score of 59 reflects a mixed outlook. The company's strong financial recovery and robust balance sheet are positive factors. However, technical indicators suggest bearish momentum, and the high P/E ratio indicates potential overvaluation. The lack of dividend yield further detracts from the stock's appeal.

Positive Factors

Revenue Growth

Consistent revenue growth indicates expanding market presence and effective business strategies, supporting long-term sustainability.

Balance Sheet Health

A robust balance sheet with low leverage enhances financial stability, reducing risk and providing flexibility for future investments.

Cash Generation

Strong cash generation supports operational needs and strategic initiatives, ensuring liquidity and financial health over time.

Negative Factors

Gross Profit Margin Pressure

Declining gross profit margins suggest rising costs or pricing pressures, potentially impacting profitability if not managed.

Historical Income Volatility

Income volatility can indicate inconsistent performance, posing risks to financial stability and requiring careful management.

Debt Management Risks

Inconsistent debt levels can lead to financial strain, affecting the company's ability to manage liabilities effectively.

Motor & General Finance Ltd. Business Overview & Revenue Model

Company Description

The Motor & General Finance Limited engages in leasing and developing real estate properties in India. The company was incorporated in 1930 and is headquartered in New Delhi, India.

How the Company Makes Money

MOTOGENFIN generates revenue through multiple channels, primarily by offering vehicle loans and financing solutions to individuals and businesses. The company earns interest on the loans it disburses, which constitutes a significant portion of its revenue. Additionally, it generates income from lease financing agreements, where customers pay monthly fees for the use of vehicles rather than purchasing them outright. The sale of insurance products related to vehicle financing also contributes to its earnings. Strategic partnerships with automotive dealers and manufacturers enhance its market reach, allowing for cross-selling opportunities and increasing customer acquisition. Overall, the company’s revenue model is centered on interest income from loans, fees from leasing arrangements, and commissions from insurance sales.

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 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	85.39M	95.42M	87.42M	75.19M	60.56M	33.82M
Gross Profit	52.20M	99.27M	87.42M	57.92M	42.62M	16.70M
EBITDA	20.11M	21.59M	11.53M	18.52M	-8.09M	332.00K
Net Income	7.16M	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	3.14M	2.58M	2.37M	2.27M
Total Debt	0.00	426.00K	12.66M	19.83M	30.56M	39.52M
Total Liabilities	-757.18M	971.79M	994.12M	1.00B	1.02B	1.02B
Stockholders Equity	757.18M	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: Negative
• Last Price: 23.30
• 50DMA: Negative
• 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 Negative. The current price of 23.3 is above the 20-day moving average (MA) of 23.15, below the 50-day MA of 24.52, and below the 200-day MA of 26.21, indicating a bearish trend. The MACD of -0.51 indicates Negative momentum. The RSI at 40.19 is Neutral, neither overbought nor oversold. The STOCH value of 29.02 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
BAIDFIN	64 Neutral	₹1.59B	7.61	―	0.85%	27.19%	73.43%
HYBRIDFIN	63 Neutral	₹573.42M	17.88	―	―	-5.50%	-12.14%
MOTOGENFIN	59 Neutral	₹871.36M	58.98	―	―	10.72%	-27.59%
TIMESGTY	59 Neutral	₹2.57B	102.80	―	―	―	―
TFL	45 Neutral	₹845.78M	-14.99	―	―	-29.62%	-308.12%