BSE: 501343 | NSE: MOTOGENFIN | Finance - NBFC | Small Cap
Past 10 year’s financial track record analysis by Moneyworks4me indicates that The Motor & General Finance Ltd is a below average quality company.
The key valuation ratios of The Motor & General Finance Ltd's currently when compared to its past seem to suggest it is in the Overvalued zone.
The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of The Motor & General Finance Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
| Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income (₹ Cr.) | 11.6 | 13.8 | 13.2 | 10.6 | 8.8 | 5.7 | 2.1 | 4.2 | 5.4 | 6.2 | 7 | |
| YoY Gr. Rt. % | - | 19.2% | -4.4% | -20.1% | -16.7% | -35.3% | -62.9% | 98.1% | 29.9% | 14.2% | - | |
| Adj EPS (₹ ) | -0.3 | 0.4 | 0.1 | -0.2 | -0.8 | -1.4 | -0.3 | -0.5 | -0.4 | 0.4 | 0.6 | |
| YoY Gr. Rt. % | - | NA | -72.2% | -290% | NA | NA | NA | NA | NA | NA | - | |
| BVPS (₹ ) | 16 | 16.5 | 16.6 | 16.4 | 15.6 | 14.2 | 14 | 13.6 | 13.2 | 13.6 | 13.7 | |
| YoY Gr. Rt. % | - | 2.8% | 0.9% | -1.1% | -5.1% | -8.9% | -1.8% | -2.7% | -2.9% | 2.7% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | -0.5 | 0.8 | 0.2 | -0.5 | -2 | -3.6 | -0.6 | -1 | -0.9 | 0.8 | 0 | |
CAGR Colour Code Guide ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | -6.7% | -6.8% | 43.2% | 14.2% | ||||||||
| Adj EPS | NA | NA | NA | NA | ||||||||
| BVPS | -1.8% | -2.8% | -1% | 2.7% | ||||||||
| Share Price | 5.8% | 14.3% | 12.7% | 9.5% | ||||||||
| RATIOS \ YEARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Quality Ratio | To view Asset Quality Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Net NPA to Net Advances (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Capitalization Ratio | To view Capitalization Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Capital Adequacy Ratio (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Margins | ||||||||||||
| Net Profit Margin (%) | -8.3 | 10.2 | 2.8 | -6.9 | -36.3 | -95.7 | -50 | -42.5 | -30.1 | 22.5 | 34.8 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | -1.5 | 2.3 | 0.6 | -1.1 | -5.2 | -9.4 | -1.9 | -3.3 | -3.2 | 2.7 | 4.4 | |
Return on Equity has increased versus last 3 years average to 4.40%
Total Income has increased 43.23 CAGR in last 3 years
Net Profit has declined 0.00 CAGR in last 3 years
Total income growth is poor in last 4 quarters
| Standalone | Consolidated | |
|---|---|---|
| TTM EPS (₹) | 0.6 | 0.5 |
| TTM Sales (₹ Cr.) | 6.7 | 6.7 |
| BVPS (₹.) ⓘ | 13.7 | 12.8 |
| Reserves (₹ Cr.) ⓘ | 34 | 30 |
| P/BV ⓘ | 2.42 | 2.59 |
| PE ⓘ | 55.54 | 61.49 |
| From the Market | |
|---|---|
| 52 Week Low / High (₹) | 28.52 / 50.98 |
| All Time Low / High (₹) | 1.38 / 54.65 |
| Market Cap (₹ Cr.) | 129 |
| Equity (₹ Cr.) | 19.4 |
| Face Value (₹) | 5 |
| Industry PE ⓘ | 27.8 |
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| PARTICULARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income | 20 | 20 | 16 | 13 | 11 | 10 | 8 | 7 | 9 | 10 |
| Interest Income | 12 | 14 | 13 | 11 | 9 | 6 | 2 | 4 | 5 | 6 |
| Other Income ⓘ | 8 | 6 | 3 | 3 | 2 | 4 | 6 | 3 | 4 | 4 |
| Expenditure ⓘ | 18 | 18 | 17 | 15 | 15 | 15 | 9 | 9 | 11 | 9 |
| Interest Expense ⓘ | 7 | 6 | 5 | 4 | 1 | 1 | 1 | 0 | 0 | 0 |
| Operating Expenses ⓘ | 10 | 11 | 11 | 10 | 10 | 12 | 8 | 8 | 8 | 8 |
| Provisions | 1 | 1 | 1 | 1 | 3 | 3 | 0 | 0 | 2 | 0 |
| Exceptional Items ⓘ | -2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax ⓘ | -1 | 2 | -1 | -2 | -4 | -5 | -1 | -2 | -2 | 1 |
| Taxes ⓘ | 0 | 1 | -1 | -1 | -1 | 0 | 0 | 0 | 0 | 0 |
| Profit After Tax | -1 | 1 | 0 | -1 | -3 | -5 | -1 | -2 | -2 | 1 |
| Adjusted EPS (₹) | -0.3 | 0.4 | 0.1 | -0.2 | -0.8 | -1.4 | -0.3 | -0.5 | -0.4 | 0.4 |
| Dividend Payout Ratio (%) | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| PARTICULARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | ||||||||||
| Equity Capital | 88 | 90 | 90 | 90 | 86 | 81 | 80 | 79 | 77 | 78 |
| Share Capital ⓘ | 19 | 19 | 19 | 19 | 19 | 19 | 19 | 19 | 19 | 19 |
| Reserves ⓘ | 69 | 70 | 71 | 70 | 67 | 62 | 61 | 59 | 58 | 59 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long Term Borrowings | 51 | 46 | 42 | 20 | 35 | 36 | 35 | 36 | 36 | 36 |
| Current Liabilities | 29 | 32 | 32 | 50 | 33 | 36 | 63 | 63 | 61 | 60 |
| Trade Payables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Short term borrowings | 6 | 6 | 0 | 0 | 4 | 4 | 4 | 3 | 2 | 1 |
| Other Liabilities | -6 | -6 | 0 | 0 | -4 | -4 | -4 | -3 | -2 | -1 |
| Total Liabilities ⓘ | 168 | 167 | 164 | 159 | 154 | 152 | 178 | 177 | 174 | 175 |
Assets | ||||||||||
| Non Current Asset | 60 | 58 | 53 | 60 | 59 | 55 | 63 | 62 | 58 | 59 |
| Loan Asset | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non Current Asset ⓘ | 60 | 58 | 53 | 60 | 59 | 55 | 63 | 62 | 58 | 59 |
| Current Asset | 108 | 110 | 111 | 100 | 96 | 97 | 116 | 115 | 115 | 116 |
| Current Investment | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Asset | 108 | 110 | 111 | 100 | 96 | 97 | 116 | 115 | 115 | 116 |
| Total Assets ⓘ | 168 | 167 | 164 | 159 | 154 | 152 | 178 | 177 | 174 | 175 |
| PARTICULARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|---|---|---|---|---|---|
Operational & Financial Ratios |
||||||||||
| EPS (₹) | -1 | 1 | 0 | 0 | -2 | -3 | 0 | 0 | 0 | 0 |
| DPS (₹) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| BVPS (₹) | 32 | 33 | 33 | 33 | 31 | 28 | 14 | 14 | 13 | 14 |
Performance Ratios | ||||||||||
| ROA (%) | -0.5 | 0.8 | 0.2 | -0.5 | -2.0 | -3.6 | -0.6 | -1.0 | -0.9 | 0.8 |
| ROE (%) | -1.5 | 2.3 | 0.6 | -1.1 | -5.2 | -9.4 | -1.9 | -3.3 | -3.2 | 2.7 |
| ROCE (%) | 5.5 | 6.5 | 3.9 | 2.4 | -4.0 | -7.5 | -0.7 | -2.3 | -2.2 | 3.4 |
Valuation Parameters | ||||||||||
| Price/Book(x) | 1.4 | 1.4 | 1.0 | 1.2 | 1.5 | 1.0 | 1.8 | 2.0 | 2.3 | 2.3 |
The Motor & General Finance (MGF) the flagship company of MGF Group was incorporated in 1930. It is one of the oldest finance companies of India.
With over 76 years of standing MGF has been a role model for new companies entering the field. MGF gave India its first impression of automobiles, hire purchase for financing the commercial vehicles. MGF commenced its activities with Delhi as a base and to cater to the requirements of customers, it expanded its operations to all important cities of the country.
The company diversified into financing earth moving equipments for the construction and mining industries. The company was also involved into merchant banking activities and other areas like corporate advisory services, single point fund management for corporate clients and factoring of debts.
The company was granted license of Merchant Banker which in view of lesser business procurement was surrendered later on. MGF floated a company with Citicorp Securities and Investments (CSIL), an associate of Citibank, to offer scientifically developed collection systems.
MGF Group enjoys a good reputation in the financial market and people manning the operations are known for timely repayment and meeting its financial commitments. The company has impeccable track record of meeting its commitments of repaying deposits and other liabilities in an organized manner and that too without causing compliant whatsoever.
Further inspite of adverse trends prevailing all around including liquidity constraints, the company has been endeavouring its best efforts to ensure that it meets its commitments of repayment of deposits and also reduce total amount outstanding both to the depositors and banks. The company has a sound and healthy asset base.
The company's shares are listed at NSE and Bombay Stock Exchanges. It has made investments in properties, yielding handsome returns.
Services offered by the company: Merchant banking activities
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