NSEI:MOTOGENFIN

Stock Analysis Report

Motor & General Finance

Executive Summary

The Motor & General Finance Limited engages in leasing and developing real estate properties in India.

Risk Analysis

Earnings have declined by -34.38% per year over past 5 years

Has less than 1 year of cash runway

Does not have a meaningful market cap (₹682M)

Currently unprofitable and not forecast to become profitable over the next 3 years

+ 1 more risk


Snowflake Analysis

Adequate balance sheet with weak fundamentals.

Share Price & News

How has Motor & General Finance's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: MOTOGENFIN has not had significant price volatility in the past 3 months.


Market Performance


7 Day Return

2.3%

MOTOGENFIN

4.3%

IN Real Estate

1.9%

IN Market


1 Year Return

-28.2%

MOTOGENFIN

26.8%

IN Real Estate

8.1%

IN Market

Return vs Industry: MOTOGENFIN underperformed the Indian Real Estate industry which returned 23.4% over the past year.

Return vs Market: MOTOGENFIN underperformed the Indian Market which returned 6.7% over the past year.


Shareholder returns

MOTOGENFINIndustryMarket
7 Day2.3%4.3%1.9%
30 Day-6.1%10.9%3.3%
90 Day13.2%22.3%6.5%
1 Year-28.2%-28.2%27.6%26.8%10.1%8.1%
3 Year3.1%3.1%78.8%75.5%35.1%28.0%
5 Year-18.8%-18.8%53.8%48.0%36.6%24.2%

Price Volatility Vs. Market

How volatile is Motor & General Finance's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is Motor & General Finance undervalued compared to its fair value and its price relative to the market?

0.84x

Price to Book (PB) ratio


Share Price vs. Fair Value

Below Fair Value: Insufficient data to calculate MOTOGENFIN's fair value to establish if it is undervalued.

Significantly Below Fair Value: Insufficient data to calculate MOTOGENFIN's fair value to establish if it is undervalued.


Price To Earnings Ratio

PE vs Industry: MOTOGENFIN is unprofitable, so we can't compare its PE Ratio to the Real Estate industry average.

PE vs Market: MOTOGENFIN is unprofitable, so we can't compare its PE Ratio to the Indian market.


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate MOTOGENFIN's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: MOTOGENFIN is overvalued based on its PB Ratio (0.9x) compared to the IN Real Estate industry average (0.7x).


Next Steps

Future Growth

How is Motor & General Finance forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

15.3%

Forecasted Real Estate industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Motor & General Finance has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

Past Performance

How has Motor & General Finance performed over the past 5 years?

-34.4%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: MOTOGENFIN is currently unprofitable.

Growing Profit Margin: MOTOGENFIN is currently unprofitable.


Past Earnings Growth Analysis

Earnings Trend: MOTOGENFIN is unprofitable, and losses have increased over the past 5 years at a rate of -34.4% per year.

Accelerating Growth: Unable to compare MOTOGENFIN's earnings growth over the past year to its 5-year average as it is currently unprofitable

Earnings vs Industry: MOTOGENFIN is unprofitable, making it difficult to compare its past year earnings growth to the Real Estate industry (-7%).


Return on Equity

High ROE: MOTOGENFIN has a negative Return on Equity (-5.68%), as it is currently unprofitable.


Return on Assets


Return on Capital Employed


Next Steps

Financial Health

How is Motor & General Finance's financial position?


Financial Position Analysis

Short Term Liabilities: MOTOGENFIN's short term assets (₹956.6M) exceed its short term liabilities (₹338.9M).

Long Term Liabilities: MOTOGENFIN's short term assets (₹956.6M) exceed its long term liabilities (₹383.5M).


Debt to Equity History and Analysis

Debt Level: MOTOGENFIN's debt to equity ratio (5.1%) is considered satisfactory.

Reducing Debt: MOTOGENFIN's debt to equity ratio has reduced from 65.9% to 5.1% over the past 5 years.


Balance Sheet

Inventory Level: MOTOGENFIN has a high level of physical assets or inventory.

Debt Coverage by Assets: MOTOGENFIN's debt is covered by short term assets (assets are 22.6x debt).


Cash Runway Analysis

For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.

Stable Cash Runway: MOTOGENFIN has less than a year of cash runway based on its current free cash flow.

Forecast Cash Runway: MOTOGENFIN has less than a year of cash runway if free cash flow continues to reduce at historical rates of -24% each year


Next Steps

Dividend

What is Motor & General Finance's current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

company0%marketbottom25%0.6%markettop25%2.2%industryaverage0.6%forecastin3Yearsn/a

Current dividend yield vs market & industry

Notable Dividend: Unable to evaluate MOTOGENFIN's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.

High Dividend: Unable to evaluate MOTOGENFIN's dividend yield against the top 25% of dividend payers, as the company has not reported any payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if MOTOGENFIN's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if MOTOGENFIN's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: MOTOGENFIN is not paying a notable dividend for the Indian market.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of MOTOGENFIN's dividend in 3 years as they are not forecast to pay a notable one for the Indian market.


Next Steps

Management

What is the CEO of Motor & General Finance's salary, the management and board of directors tenure and is there insider trading?

14.2yrs

Average board tenure


CEO

Rajiv Gupta (73yo)

0yrs

Tenure

₹3,060,457

Compensation

Mr. Rajiv Gupta has been the Managing Director of The Motor & General Finance Limited since October 27, 2005 and serves as its Chief Executive Officer. Mr. Gupta has been a Senior Vice President of Financi ...


CEO Compensation Analysis

Compensation vs Market: Rajiv's total compensation ($USD43.19K) is about average for companies of similar size in the Indian market ($USD50.75K).

Compensation vs Earnings: Rajiv's compensation has been consistent with company performance over the past year.


Board Age and Tenure

14.2yrs

Average Tenure

69.5yo

Average Age

Experienced Board: MOTOGENFIN's board of directors are seasoned and experienced ( 14.2 years average tenure).


Insider Trading

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Recent Insider Transactions

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Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Management Team

  • Arun Mitter (57yo)

    Executive Director

    • Tenure: 17.5yrs
    • Compensation: ₹3.21m
  • Rajiv Gupta (73yo)

    Chairman

    • Compensation: ₹3.06m
  • Arti Gupta (66yo)

    Joint MD & Director

    • Tenure: 13.6yrs
    • Compensation: ₹2.78m
  • Maharaj Madan (75yo)

    VP, CFO

    • Compensation: ₹1.60m

Board Members

  • Arun Mitter (57yo)

    Executive Director

    • Tenure: 17.5yrs
    • Compensation: ₹3.21m
  • Rajiv Gupta (73yo)

    Chairman

    • Compensation: ₹3.06m
  • Bharat Kumar (74yo)

    Non-Executive Independent Director

    • Tenure: 17.8yrs
    • Compensation: ₹35.00k
  • Arti Gupta (66yo)

    Joint MD & Director

    • Tenure: 13.6yrs
    • Compensation: ₹2.78m
  • Onkar Aggarwal (84yo)

    Non-Executive Independent Director

    • Tenure: 14.1yrs
    • Compensation: ₹25.00k
  • Karun Hoon (31yo)

    Non-Executive Independent Director

    • Tenure: 2.3yrs
    • Compensation: ₹30.00k

Company Information

The Motor & General Finance Limited's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: The Motor & General Finance Limited
  • Ticker: MOTOGENFIN
  • Exchange: NSEI
  • Founded: 1930
  • Industry: Real Estate Operating Companies
  • Sector: Real Estate
  • Market Cap: ₹681.599m
  • Shares outstanding: 19.36m
  • Website: https://www.mgfltd.com

Number of Employees


Location

  • The Motor & General Finance Limited
  • MGF House
  • 4/17-B, Asaf Ali Road
  • New Delhi
  • Delhi
  • 110002
  • India

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
501343BSE (Mumbai Stock Exchange)YesEquity SharesININRFeb 1995
MOTOGENFINNSEI (National Stock Exchange of India)YesEquity SharesININRFeb 1995

Biography

The Motor & General Finance Limited engages in leasing and developing real estate properties in India. The company was incorporated in 1930 and is headquartered in New Delhi, India. 


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/01/18 12:44
End of Day Share Price2020/01/17 00:00
Earnings2019/09/30
Annual Earnings2019/03/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.