Motor & General Finance Ltd. (IN:MOTOGENFIN)
:MOTOGENFIN
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Motor & General Finance Ltd.
(MOTOGENFIN)
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Rating:60Neutral
Price Target:
₹29.00
▲(24.46% Upside)
Action:Reiterated
Date:05/29/26
The score is held back primarily by weak financial performance quality—especially FY2026’s sharp negative operating/free cash flow despite elevated reported profits and the broader earnings volatility. Offsetting this, the balance sheet appears conservatively levered and the technical trend is strong. Valuation remains a clear headwind given the very high P/E.
Positive Factors
Conservative balance sheet
Very low reported debt and a sharp equity increase in FY2026 provide durable financial flexibility. Conservative leverage lowers refinancing risk for a credit-services firm, preserves regulatory/compliance cushions, and creates capacity to fund growth or absorb stress over the next several months.
Negative Factors
Cash flow deterioration
Materially negative operating and free cash flow in FY2026 is a durable red flag: it reduces internal funding for operations and growth, may require external financing, and points to working-capital stress or one-offs. This weakens the sustainability of reported earnings and heightens near-term financial risk.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative balance sheet
Very low reported debt and a sharp equity increase in FY2026 provide durable financial flexibility. Conservative leverage lowers refinancing risk for a credit-services firm, preserves regulatory/compliance cushions, and creates capacity to fund growth or absorb stress over the next several months.
Read all positive factors
Motor & General Finance Ltd. (MOTOGENFIN) vs. iShares MSCI India ETF (INDA)
Market Cap
₹1.10B
Dividend YieldN/A
Average Volume (3M)4.91K
Price to Earnings (P/E)0.8
Beta (1Y)1.25
Revenue Growth-2.31%
EPS Growth18323.72%
CountryIN
Employees18
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)0.39
Shares Outstanding38,727,190
10 Day Avg. Volume3,074
30 Day Avg. Volume4,906
Financial Highlights & Ratios
PEG Ratio<0.01
Price to Book (P/B)0.32
Price to Sales (P/S)7.62
P/FCF Ratio-1.58
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Motor & General Finance Ltd. Business Overview & Revenue Model
Company Description
Headquartered in New Delhi, India, The Motor & General Finance Limited focuses on the leasing and development of real estate throughout the country. The firm was established in 1930....
How the Company Makes Money
null...
Motor & General Finance Ltd. Financial Statement Overview
Summary
Income Statement
58
Neutral
Balance Sheet
82
Very Positive
Cash Flow
34
Negative
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 92.30M | 92.78M | 95.42M | 87.42M | 75.19M | 60.56M |
| Gross Profit | 57.09M | 7.05M | 99.27M | 87.42M | 57.92M | 42.62M |
| EBITDA | 27.93M | 1.62B | 21.59M | 11.53M | 18.52M | -8.09M |
| Net Income | 15.13M | 1.47B | 7.97M | 11.60M | -26.23M | -24.57M |
Balance Sheet | ||||||
| Total Assets | 1.74B | 3.07B | 1.73B | 1.74B | 1.74B | 1.78B |
| Cash, Cash Equivalents and Short-Term Investments | 5.02M | 1.56B | 1.23M | 3.14M | 2.58M | 2.37M |
| Total Debt | 3.72M | 0.00 | 426.00K | 12.66M | 19.83M | 30.56M |
| Total Liabilities | 968.44M | 843.31M | 971.79M | 994.12M | 1.00B | 1.02B |
| Stockholders Equity | 769.42M | 2.22B | 757.18M | 750.00M | 738.31M | 761.33M |
Cash Flow | ||||||
| Free Cash Flow | -5.89M | -446.79M | 10.60M | 7.63M | 10.33M | 11.05M |
| Operating Cash Flow | -5.89M | -444.05M | 10.66M | 9.60M | 10.43M | 11.09M |
| Investing Cash Flow | 6.27M | 2.01B | 1.80M | -389.00K | 2.15M | 682.00K |
| Financing Cash Flow | 3.21M | -426.00K | -12.24M | -8.85M | -11.35M | -12.25M |
Motor & General Finance Ltd. Technical Analysis
Positive
23.30
Price Trends
24.32
Positive
23.01
Positive
24.32
Positive
Market Momentum
1.06
Negative
63.43
Neutral
38.94
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 23.3 is below the 20-day moving average (MA) of 25.81, below the 50-day MA of 24.32, and below the 200-day MA of 24.32, indicating a bullish trend. The MACD of 1.06 indicates Negative momentum. The RSI at 63.43 is Neutral, neither overbought nor oversold. The STOCH value of 38.94 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | ₹53.99B | 22.59 | ― | 0.29% | 22.32% | 17.78% | |
60 Neutral | ₹1.10B | 0.76 | ― | ― | -2.31% | 18323.72% | |
47 Neutral | ₹3.20B | 28.87 | ― | ― | 32.79% | -75.58% | |
45 Neutral | ₹188.25M | 348.51 | ― | ― | 0.50% | -23.61% | |
41 Neutral | ₹658.49M | -0.43 | ― | 0.12% | -51.04% | -71.19% |
* Financial Sector Average
IN:MOTOGENFIN
Motor & General Finance Ltd.
28.45
1.26
4.63%
IN:GLFL
Gujarat Lease Financing Limited
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1.47
26.87%
IN:MANCREDIT
Mangal Credit & Fincorp Ltd.
206.00
18.36
9.78%
IN:MUTHOOTCAP
Muthoot Capital Services Ltd.
194.65
-122.10
-38.55%
IN:PAISALO
Paisalo Digital Ltd.
59.36
26.68
81.64%
IN:TRU
TruCap Finance Limited
5.54
-7.78
-58.41%
Motor & General Finance Ltd. Corporate Events
Motor & General Finance files SEBI dematerialization compliance certificate for March quarter
Apr 2, 2026
Motor General Finance Limited has informed the stock exchanges that it has received and submitted the statutory certificate required under Regulation 74(5) of the SEBI (Depositories and Participants) Regulations, 2018 for the quarter ended March ...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.