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The Motor & General Finance Limited (MOTOGENFIN) Fair Value & Analysis

Real Estate · IN · Market cap ₹1.1B

TM The Motor & General Finance Limited MOTOGENFIN · NSE
Price₹26.07
Fair Value₹42.98
Upside+64.9%
Quality50/100
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Expensive Growth
Solidly profitable · 12.9% net margin
Low debt · negative free cash flow
Mixed vs. peers (5/10)
Narrow moat 36/100
Evidence: Medium Range ₹42.31 – ₹43.64 Share as image

Fair value as of: Aug 13, 2026

From 5 valuation models · updated 4 days ago

Share price −4.6% over the past month.

A solid business, screening 65% undervalued on our models.

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What matters now

  • The price is below even our cautious bear case (₹42.31). The market is more pessimistic than our downside scenario.
  • Solid quality (50/100) at a price below fair value, the discount is the argument here, not the business quality.
  • The models converge in a tight band (₹42.31 to ₹43.64), unusually little disagreement for a valuation.
  • As a real-estate business, asset- and dividend-based methods carry more weight here than a standard DCF.
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Price vs Fair Value (5 years)

₹49.85 ₹18.26 Fair Value ₹42.98 May 2021 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.

How to read this chart

60‑month range ₹18.26 – ₹49.85 · fair‑value band ₹42.31 – ₹43.64 · the ₹26.07 price screens below the ₹42.98 fair value. Dashed = 300-day average. As of Aug 13, 2026.

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Analysis

The Motor & General Finance Limited (MOTOGENFIN) currently trades at ₹26.07, while our model-based Fair Value estimate is ₹42.98, implying the stock looks roughly 64.9% undervalued today. The Quality Score stands at 50/100 (solid quality), in the Real Estate sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: medium), always confirm before acting.

Over the trailing twelve months, The Motor & General Finance Limited generated revenue of ₹102M at a net margin of 12.9%. Revenue declined 13.0% year over year. It earns a return on equity of 2.0%. The balance sheet holds a net cash position of ₹1.6B. Fundamentals as of Aug 13, 2026

Our scenario range runs from ₹42.31 (bear case) to ₹43.64 (bull case); at ₹26.07, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 21% below its 52-week high and 49% above its 52-week low, currently above its 200-day average. For context, the median of 10 Real Estate peers we cover trades at 15% fair-value upside, at 65%, MOTOGENFIN screens cheaper than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Model Bear Bear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull Bull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence
Highest evidence
Residual Income ₹269.53 ₹465.31 ₹9,444 76
P/S Multiple ₹11.68 ₹15.57 ₹19.46 58
P/B Multiple ₹86.12 ₹114.82 ₹143.53 55
All 5 models by family
Multiples
P/S Multiple ₹11.68 ₹15.57 ₹19.46 58
P/B Multiple ₹86.12 ₹114.82 ₹143.53 55
EV/EBITDA ₹42.31 ₹42.98 ₹43.64 54
Asset-Based
NCAV (Graham) ₹28.71 ₹38.46 ₹57.41 50
Economic Profit
Residual Income ₹269.53 ₹465.31 ₹9,444 76

Widest divergence: Economic Profit (₹465.31) versus Asset-Based (₹38.46). Highest evidence: Residual Income (76).

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Key figures & financial health

Revenue (TTM) ₹102M
Revenue growth (YoY) -13.0%
Net margin 12.9%
Return on equity 2.0%
Free cash flow −₹447M FY2026
P/E ratio 0.7
More key figures
Operating margin 13.2%
EPS (TTM) ₹37.90
EPS growth (YoY) +263%
Net cash ₹1.6B FY2026

Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 50/100

Of which business quality 56 · Market factors (momentum, volatility) 54

Profitability 60
Margins and returns on capital today
Quality Growth 49
Are margins and returns improving?
Cashflow 0
Earnings quality: real cash, not paper profit
Fin. Strength 100
Balance sheet, leverage, solvency risk
Investment 32
Disciplined investing over empire-building
Low Volatility 67
Calm price path (market factor)
Momentum 51
Price trend over the last 3–12 months (market factor)
52W Momentum 45
Distance to the 52-week high (market factor)
Net Issuance 92
Buybacks instead of dilution

Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.

About the company

The Motor & General Finance Limited, Non-Banking Finance Company engages in the leasing and development of real estate properties in India. The company was incorporated in 1930 and is headquartered in New Delhi, India.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2022 – FY2026 · reported fiscal years

The Motor & General Finance Limited reported revenue of ₹92.8M in FY2026 versus ₹60.6M in FY2022, a compound +11.3%/yr. Reported net income was ₹1.5B in FY2026.

Growth Quality 57/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Latest Revenue (FY 2026)
₹92.8M
Latest YoY
−2.8%
Avg. growth/yr (3Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+7.3%
Avg. growth/yr (5Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+22.4%
Avg. growth/yr (21Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
−2.7%
Revenue +11.3%/yr
FY22 ₹60.6M
FY23 ₹75.2M
FY24 ₹87.4M
FY25 ₹95.4M
FY26 ₹92.8M
Net income
FY22 −₹24.6M
FY23 −₹26.2M
FY24 ₹11.6M
FY25 ₹8.0M
FY26 ₹1.5B

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Cite: Fair Value Calculator (2026). "The Motor & General Finance Limited Fair Value". https://www.fairvalue-calculator.com/stock/MOTOGENFIN

Peer Group

Real Estate Services · 530 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Quality Score 54 · Below median
Fair Value upside +65% · Top 25%
Return on equity (TTM) 2% · Below median
Return on assets 0% · Bottom 25%
Net margin (TTM) 13% · Above median
Operating margin (TTM) 13% · Below median
Revenue growth -13% · Bottom 25%

Valuation Multiples vs Real Estate Services median · lower = cheaper

P/E (TTM) 0.7× · Cheaper than 75% of peers
P/S (TTM) 0.11× · Cheaper than 75% of peers

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUE 100 · sector 34
FUTURE 0 · sector 10
PAST 8 · sector 16
HEALTH 100 · sector 84
DIVIDEND 0 · sector 59

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Real Estate Services stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).

Stock Price Fair Value vs Fair Value
Plaza S.A MALLPLAZA 3,989 CLP 4,571 CLP +15%
PT Solusi Tunas Pratama Tbk SUPR 43,850 IDR 15,049 IDR -66%
Cencosud Shopping S.A CENCOMALLS 2,412 CLP 2,976 CLP +23%
PT Sarana Menara Nusantara Tbk. owns and TOWR 392.00 IDR 1,012 IDR +158%
PT Metropolitan Kentjana Tbk MKPI 22,000 IDR 19,160 IDR -13%
PT Bangun Kosambi Sukses Tbk, CBDK 3,610 IDR 3,464 IDR -4%
IRSA Inversiones y Representaciones Sociedad Anónima, IRSA 2,495 ARS 2,990 ARS +20%
PT Plaza Indonesia Realty Tbk PLIN 2,510 IDR 2,698 IDR +7%
PT MNC Tourism Indonesia Tbk, KPIG 74.00 IDR 122.12 IDR +65%
PT Indonesian Paradise Property Tbk INPP 770.00 IDR 291.52 IDR -62%

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Frequently asked questions

Is The Motor & General Finance Limited (MOTOGENFIN) overvalued or undervalued?
As of Aug 13, 2026, our model estimates a fair value of ₹42.98 versus a price of ₹26.07, about +65% (undervalued).
What is the fair value of MOTOGENFIN?
Our model-based fair value for The Motor & General Finance Limited is ₹42.98 (as of Aug 13, 2026), built from audited fundamentals. The current price is ₹26.07.
What is the quality score of MOTOGENFIN?
The Motor & General Finance Limited has a Quality Score of 50/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the revenue of The Motor & General Finance Limited (MOTOGENFIN)?
The Motor & General Finance Limited reported trailing-twelve-month revenue of about ₹102M (latest available figure, as of Aug 13, 2026).
What is the net profit margin of MOTOGENFIN?
The net profit margin of The Motor & General Finance Limited is about 12.9%, meaning it keeps roughly 12.9% of revenue as net income. Based on the latest reported figures.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.

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