Motor & General Fin

₹34.1 -0 | 0%

WEBSITE BSE:501343 NSE : MOTOR&GEN.FI 18 May, 12:50

Market Cap ₹132 Cr.

Stock P/E -58.2

P/B 2.8

Current Price ₹34.1

Book Value ₹ 12.3

Face Value 5

52W High ₹51

Dividend Yield 0%

52W Low ₹ 26.6

Edit Ratio

Motor & General Fin Research see more...

Overview Inc. Year: 1930Industry: Finance - NBFC

Motor & General Finance Limited is a public company that specializes in financing, leasing, and hire purchase of automobiles, commercial vehicles, and earth moving equipment. It was incorporated in 1930 in New Delhi, India. They are one of the oldest automobile financing companies of India. It was managed by the Board of Directors under the astute leadership of Shri Ved Prakash Gupta, the founder Chairman of the Company. He was a pioneer of automobile financing in India and a member of the Dhotre and Shah committees constituted by Reserve Bank of India to regulate NBFCs. It has also collaborated with International Finance Corporation, Washington and Citicorp Securities and Investments, an associate of Citibank, to start leasing and collection companies respectively. It has received registration as a category I Merchant Banker and has been involved in corporate advisory services and factoring of debts.

Motor & General Fin Share Price

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Peer Comparison

Motor & General Fin Quarterly Results

#(Fig in Cr.)	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Dec 2023
Net Sales	1	1	1	1	1	1	1	1	1	2
Other Income	0	1	1	1	1	1	1	2	1	1
Total Income	1	2	2	2	2	2	2	3	2	2
Total Expenditure	2	2	2	2	2	2	2	5	2	2
Operating Profit	-0	-0	0	0	0	0	-0	-2	0	0
Interest	0	0	0	0	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0	0	0	0	0
Exceptional Income / Expenses	0	0	0	0	0	0	0	0	0	0
Profit Before Tax	-1	-1	-0	-0	-0	-0	-0	-2	0	0
Provision for Tax	0	0	0	0	0	0	0	0	0	0
Profit After Tax	-1	-1	-0	-0	-0	-0	-0	-2	0	0
Adjustments	0	0	0	-0	-0	0	-0	-0	-0	0
Profit After Adjustments	-1	-1	-0	-1	-0	-0	-0	-2	-0	0
Adjusted Earnings Per Share	-0.2	-0.2	-0.1	-0.1	-0	-0	-0.1	-0.5	-0	0

Motor & General Fin Profit & Loss

#(Fig in Cr.)	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	TTM
Net Sales	12	14	13	11	9	6	2	4	5	5
Other Income	8	6	3	3	2	4	5	2	4	5
Total Income	20	20	16	13	11	10	7	6	9	9
Total Expenditure	10	11	11	10	12	12	7	7	10	11
Operating Profit	9	8	5	3	-2	-2	0	-1	-1	-2
Interest	7	6	5	4	1	1	1	0	0	0
Depreciation	1	1	1	1	1	1	1	1	1	0
Exceptional Income / Expenses	-2	0	0	0	0	0	0	0	0	0
Profit Before Tax	-1	2	-2	-2	-4	-4	-2	-2	-3	-2
Provision for Tax	0	1	-1	-1	-1	0	0	0	0	0
Profit After Tax	-1	1	-1	-1	-4	-4	-2	-2	-3	-2
Adjustments	-1	-1	-1	-0	-0	0	0	0	0	0
Profit After Adjustments	-2	-0	-2	-1	-4	-3	-1	-2	-3	-2
Adjusted Earnings Per Share	-0.6	-0	-0.4	-0.3	-0.9	-0.9	-0.4	-0.6	-0.7	-0.6

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	25%	-6%	-15%	0%
Operating Profit CAGR	0%	0%	NAN%	0%
PAT CAGR	0%	0%	0%	0%

#	1 Year	3 Year	5 Year	10 Year
Share Price CAGR	21%	18%	14%	6%
ROE Average	-5%	-5%	-5%	-3%
ROCE Average	-4%	-3%	-4%	-0%

Motor & General Fin Balance Sheet

#(Fig in Cr.)	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Shareholder's Funds	87	87	88	87	83	80	78	76	74
Minority's Interest	0	0	0	0	0	0	0	0	0
Borrowings	42	39	39	0	0	0	0	0	0
Other Non-Current Liabilities	8	7	4	20	36	37	36	37	37
Total Current Liabilities	29	32	32	50	33	36	63	63	61
Total Liabilities	167	165	163	158	152	152	177	176	171
Fixed Assets	28	27	27	27	26	26	26	26	26
Other Non-Current Assets	31	28	25	31	31	29	36	35	31
Total Current Assets	108	110	111	100	96	97	116	115	115
Total Assets	167	165	163	158	152	152	177	176	171

Motor & General Fin Cash Flow

#(Fig in Cr.)	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Opening Cash & Cash Equivalents	1	1	1	-0	0	0	-0	-0	-0
Cash Flow from Operating Activities	3	4	-5	37	-4	0	6	1	1
Cash Flow from Investing Activities	5	5	1	-7	0	-0	-6	0	0
Cash Flow from Financing Activities	-9	-9	3	-29	4	-0	-1	-1	-1
Net Cash Inflow / Outflow	-1	1	-1	1	-0	-0	-0	-0	0
Closing Cash & Cash Equivalent	1	2	-0	0	0	-0	-0	-0	0

Motor & General Fin Ratios

#	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Earnings Per Share (Rs)	-0.57	-0.01	-0.42	-0.33	-0.94	-0.9	-0.38	-0.63	-0.68
CEPS(Rs)	-0.02	0.62	0.11	0.08	-0.53	-0.67	-0.15	-0.27	-0.35
DPS(Rs)	0	0	0	0	0	0	0	0	0
Book NAV/Share(Rs)	15.77	15.84	16.08	15.76	14.82	13.84	13.49	12.96	12.36
Core EBITDA Margin(%)	9.73	17.31	18.25	7.67	-38.24	-106.57	-238.83	-66.31	-81.72
EBIT Margin(%)	54.16	53.89	27.92	21.18	-35.12	-54.32	-58.8	-47.31	-40.01
Pre Tax Margin(%)	-6.48	14.03	-11.77	-15.76	-49.61	-67.93	-88.64	-58.84	-48.33
PAT Margin (%)	-8.28	10.22	-6.22	-8.3	-40.09	-68.53	-88.64	-58.84	-48.33
Cash Profit Margin (%)	-0.51	17.43	3.25	2.82	-23.52	-45.81	-27.92	-24.99	-24.78
ROA(%)	-0.57	0.85	-0.5	-0.55	-2.28	-2.56	-1.14	-1.39	-1.51
ROE(%)	-1.57	2.31	-1.33	-1.42	-5.96	-7.03	-3.54	-4.8	-5.35
ROCE(%)	5.52	6.64	3.46	2.45	-4.37	-5.17	-2.18	-3.62	-4.22
Receivable days	6.87	21.27	58.18	118.67	84.98	41.78	158.84	50.64	22.61
Inventory Days	2799.45	2348.8	2468.51	3150.04	3838.83	5951.85	0	9927.9	7637.03
Payable days	0	0	0	0	0	0	0	0	0
PER(x)	0	0	0	0	0	0	0	0	0
Price/Book(x)	1.42	1.45	1	1.27	1.57	1	1.86	2.06	2.49
Dividend Yield(%)	0	0	0	0	0	0	0	0	0
EV/Net Sales(x)	11.97	9.9	7.64	9.07	10.67	10.19	47.6	25.36	22.26
EV/Core EBITDA(x)	15.06	16.21	20.43	28.08	-57.55	-32.23	2127.18	-204.01	-139.31
Net Sales Growth(%)	0	19.24	-4.4	-20.15	-16.61	-35.31	-62.87	97.52	30
EBIT Growth(%)	0	18.65	-50.47	-39.43	-238.27	-0.06	59.81	-58.91	-9.95
PAT Growth(%)	0	247.2	-158.18	-6.53	-303	-10.56	51.98	-31.11	-6.78
EPS Growth(%)	0	97.89	-3388.42	22.09	-187.66	4.27	58.22	-68.34	-6.78
Debt/Equity(x)	0.86	0.81	0.65	0.31	0.07	0.08	0.07	0.06	0.04
Current Ratio(x)	3.69	3.44	3.49	1.98	2.88	2.72	1.84	1.83	1.89
Quick Ratio(x)	0.67	0.65	0.7	0.14	0.09	0.12	0.03	0.03	0.03
Interest Cover(x)	0.89	1.35	0.7	0.57	-2.42	-3.99	-1.97	-4.1	-4.81
Total Debt/Mcap(x)	0.61	0.55	0.64	0.24	0.05	0.08	0.04	0.03	0.02

Motor & General Fin Shareholding Pattern

#	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Promoter	68.93	69.05	69.05	69.05	69.14	69.14	69.34	69.03	69.57	69.57
FII	2.66	2.66	2.66	2.66	2.66	2.66	2.66	2.66	2.66	2.66
DII	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Public	28.41	28.29	28.29	28.29	28.2	28.2	28	28.3	27.77	27.77
Others	0	0	0	0	0	0	0	0	0	0
Total	100	100	100	100	100	100	100	100	100	100

#	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Promoter	2.67	2.67	2.67	2.67	2.68	2.68	2.69	2.67	2.69	2.69
FII	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1
DII	0	0	0	0	0	0	0	0	0	0
Public	1.1	1.1	1.1	1.1	1.09	1.09	1.08	1.1	1.08	1.08
Others	0	0	0	0	0	0	0	0	0	0
Total	3.87	3.87	3.87	3.87	3.87	3.87	3.87	3.87	3.87	3.87

Pros

Company is almost debt free.

Cons

Company has a low return on equity of -5% over the last 3 years.
Earnings include an other income of Rs. 4 Cr.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.