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Motor & General Finance Ltd.
(MOTOGENFIN)
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Rating:63Neutral
Price Target:
₹29.00
▲(5.72% Upside)
Action:Downgraded
Date:09/09/26
The score is mainly driven by mixed financial performance: a strong, low-debt balance sheet is offset by a major FY2026 cash-flow deterioration and earnings volatility, which reduce confidence in reported profitability. Technicals are modestly positive but appear overbought (high RSI), while valuation is a meaningful positive due to the very low P/E.
Positive Factors
Conservative leverage and expanding capital base
A very low-debt balance sheet gives the company greater financial flexibility and reduces interest-related pressure during weaker operating periods. The sharp increase in equity and assets also indicates a larger capital base that could support future business activity, provided returns improve.
Negative Factors
Sharp FY2026 cash-flow deterioration
The reversal to materially negative operating and free cash flow is a significant fundamental weakness because reported earnings are not currently translating into cash. Persistent outflows could increase financial risk, restrict reinvestment capacity, and make future results more dependent on balance-sheet resources.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative leverage and expanding capital base
A very low-debt balance sheet gives the company greater financial flexibility and reduces interest-related pressure during weaker operating periods. The sharp increase in equity and assets also indicates a larger capital base that could support future business activity, provided returns improve.
Read all positive factors
Motor & General Finance Ltd. (MOTOGENFIN) vs. iShares MSCI India ETF (INDA)
Market Cap
₹1.00B
Dividend Yield3.78%
Average Volume (3M)12.45K
Price to Earnings (P/E)0.7
Beta (1Y)1.10
Revenue Growth17.80%
EPS Growth20694.21%
CountryIN
Employees13
SectorGeneral
Sector StrengthN/A
IndustryReal Estate - Development
Share Statistics
EPS (TTM)38.43
Shares Outstanding38,727,190
10 Day Avg. Volume28,197
30 Day Avg. Volume12,447
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....
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 | 116.00M | 92.78M | 95.42M | 87.42M | 75.19M | 60.56M |
| Gross Profit | 37.32M | 7.05M | 99.27M | 87.42M | 57.92M | 42.62M |
| EBITDA | 1.64B | 1.62B | 21.59M | 11.53M | 18.52M | -8.09M |
| Net Income | 1.49B | 1.47B | 7.97M | 11.60M | -26.23M | -24.57M |
Balance Sheet | ||||||
| Total Assets | 0.00 | 3.07B | 1.73B | 1.74B | 1.74B | 1.78B |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 1.56B | 1.23M | 3.14M | 2.58M | 2.37M |
| Total Debt | 0.00 | 0.00 | 426.00K | 12.66M | 19.83M | 30.56M |
| Total Liabilities | -2.22B | 843.31M | 971.79M | 994.12M | 1.00B | 1.02B |
| Stockholders Equity | 2.22B | 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
Negative
27.43
Price Trends
26.70
Negative
27.19
Negative
24.86
Positive
Market Momentum
-0.26
Positive
45.62
Neutral
37.54
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 27.43 is above the 20-day moving average (MA) of 26.80, above the 50-day MA of 26.70, and above the 200-day MA of 24.86, indicating a neutral trend. The MACD of -0.26 indicates Positive momentum. The RSI at 45.62 is Neutral, neither overbought nor oversold. The STOCH value of 37.54 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
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
63 Neutral | ₹1.00B | 0.67 | ― | 3.78% | 17.80% | 20694.21% | |
59 Neutral | ₹71.84B | 28.37 | ― | 0.13% | 22.60% | 21.00% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
55 Neutral | ₹3.58B | 14.90 | ― | 3.66% | 23.27% | -20.85% | |
54 Neutral | ₹4.62B | 25.30 | ― | 0.34% | 48.83% | 36.34% | |
44 Neutral | ₹489.71M | -0.43 | ― | 0.03% | -64.11% | -38.37% | |
40 Underperform | ₹145.67M | 627.38 | ― | ― | -1.32% | -58.59% |
* General Sector Average
IN:MOTOGENFIN
Motor & General Finance Ltd.
25.90
-0.23
-0.88%
IN:GLFL
Gujarat Lease Financing Limited
5.37
-0.98
-15.43%
IN:MANCREDIT
Mangal Credit & Fincorp Ltd.
218.85
37.08
20.40%
IN:MUTHOOTCAP
Muthoot Capital Services Ltd.
217.40
-61.70
-22.11%
IN:PAISALO
Paisalo Digital Ltd.
78.59
40.47
106.14%
IN:TRU
TruCap Finance Limited
4.12
-6.42
-60.91%
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.