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Motor & General Finance Ltd logo

Motor & General Finance Ltd

NSE: MOTOGENFIN BSE: 501343

20.10

(1.31%)

Sun, 15 Mar 2026, 01:07 am

Motor & General Finance Analysis

dividend

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Pros

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    Cons

    • Unable to calculate sustainability of dividends as Motor & General Finance has not reported any payouts.
    • Unable to evaluate Motor & General Finance's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
    • Unable to evaluate Motor & General Finance's dividend against the top 25% market benchmark as the company has not reported any payouts.

    health

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    Pros

    • Motor & General Finance is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
    • Debt is covered by short term assets, assets are 22.6x debt.
    • Motor & General Finance's cash and other short term assets cover its long term commitments.
    • The level of debt compared to net worth has been reduced over the past 5 years (65.8% vs 5.1% today).
    • Motor & General Finance's level of debt (5.1%) compared to net worth is satisfactory (less than 40%).
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    Cons

    • Motor & General Finance has less than a year of cash runway if free cash flow continues to grow at historical rates of 14.4% each year.
    • Motor & General Finance has less than a year of cash runway based on current free cash flow.
    • Operating cash flow is negative therefore debt is not well covered.
    • High level of physical assets or inventory.

    management

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    Pros

    • The average tenure for the Motor & General Finance board of directors is over 10 years, this suggests they are a seasoned and experienced board.
    • Rajiv's remuneration is about average for companies of similar size in India.
    • Rajiv's compensation has been consistent with company performance over the past year, both up more than 20%.
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    Cons

      misc

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      Pros

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        Cons

        • Motor & General Finance is not covered by any analysts.
        • Motor & General Finance has significant price volatility in the past 3 months.

        past

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        Pros

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          Cons

          • Unable to compare Motor & General Finance's 1-year earnings growth to the 5-year average as it is not currently profitable.
          • Motor & General Finance does not make a profit and their year on year earnings growth rate was negative over the past 5 years.
          • It is difficult to establish if Motor & General Finance has efficiently used its assets last year compared to the IN Real Estate industry average (Return on Assets) as it is loss-making.
          • It is difficult to establish if Motor & General Finance improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.
          • It is difficult to establish if Motor & General Finance has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) as it is loss-making.
          • Unable to compare Motor & General Finance's 1-year growth to the IN Real Estate industry average as it is not currently profitable.

          value

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          Pros

          • 501343 outperformed the Real Estate industry which returned -24.3% over the past year.
          • 501343 outperformed the Market in India which returned -14.5% over the past year.
          • BSE:501343 is up 60.7% outperforming the Real Estate industry which returned 13.9% over the past month.
          • BSE:501343 is up 60.7% outperforming the market in India which returned 8% over the past month.
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          Cons

          • Motor & General Finance is overvalued based on assets compared to the IN Real Estate industry average.
          • Motor & General Finance is loss making, we can't compare its value to the IN Real Estate industry average.
          • Motor & General Finance is loss making, we can't compare the value of its earnings to the India market.

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          Pocketful Fintech Capital Private Limited (CIN U65999DL2021PTC390548) | The SEBI Registration No. allotted to us is INZ000313732. NSE Member Code: 90326 | BSE Member Code: 6808 | MCX Member Code: 57120 DP | CDSL: 12099800