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

Real Estate · IN · Market cap ₹1.0B

TM The Motor & General Finance Limited MOTOGENFIN · BSE
Price₹26.40
Fair Value₹11.48
Upside-56.5%
Quality50/100
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Strengths

Solidly profitable · 15.8% net margin

Risks

!Trades 57% ABOVE our fair value of ₹11.48
!Expensive Growth
!Low debt · negative free cash flow
!Mixed vs. peers (5/12)
Expensive Growth
Solidly profitable · 15.8% net margin
Low debt · negative free cash flow
Mixed vs. peers (5/12)
Moderate moat 51/100
Evidence: Medium Range ₹8.61 – ₹14.35 Share as image

Fair value as of: Aug 22, 2026

From 6 valuation models · updated today

Share price −3.8% over the past month.

A solid business, but screening 57% overvalued on our models.

What runs behind every stock

69 individual criteria per stock, every one traceable See the method →

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What matters now

  • The price sits above even our optimistic bull case (₹14.35). The favourable scenario is already priced in.
  • Solid but not exceptional quality (50/100) and above fair value, neither a clear bargain nor a standout compounder.
  • 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)

₹49.93 ₹18.80 Fair Value ₹11.48 Mar 2021 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 22, 2026.

How to read this chart

60‑month range ₹18.80 – ₹49.93 · fair‑value band ₹8.61 – ₹14.35 · the ₹26.40 price screens above the ₹11.48 fair value. Dashed = 300-day average. As of Aug 22, 2026.

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Analysis

The Motor & General Finance Limited (MOTOGENFIN) currently trades at ₹26.40, while our model-based Fair Value estimate is ₹11.48, implying the stock looks roughly 56.5% overvalued today. The Quality Score stands at 50/100 (solid quality), in the Real Estate sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: medium).

Over the trailing twelve months, The Motor & General Finance Limited generated revenue of ₹95.8M at a net margin of 15.8%. Revenue declined 10.7% year over year. It earns a return on equity of 2.0%. Net debt stands at ₹11.6M. Fundamentals as of Aug 22, 2026

Our scenario range runs from ₹8.61 (bear case) to ₹14.35 (bull case); at ₹26.40, the current price sits above 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 59% 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 -57%, MOTOGENFIN screens richer 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 ₹368.02 ₹843.75 ₹35,475 76
Gordon GGM ₹0.1700 ₹0.3100 ₹0.4300 70
DDM Multi-Stage ₹0.1700 ₹0.2800 ₹0.3300 61
All 6 models by family
Dividend Discount
Gordon GGM ₹0.1700 ₹0.3100 ₹0.4300 70
DDM Multi-Stage ₹0.1700 ₹0.2800 ₹0.3300 61
Multiples
P/S Multiple ₹8.61 ₹11.48 ₹14.35 58
P/B Multiple ₹86.12 ₹114.82 ₹143.53 55
Asset-Based
NCAV (Graham) ₹28.71 ₹38.46 ₹57.41 50
Economic Profit
Residual Income ₹368.02 ₹843.75 ₹35,475 76

Widest divergence: Economic Profit (₹843.75) versus Dividend Discount (₹0.2800). Highest evidence: Residual Income (76).

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Key figures & financial health

Revenue (TTM) ₹95.8M
Revenue growth (YoY) -10.7%
Net margin 15.8%
Return on equity 2.0%
Free cash flow −₹447M FY2026
P/E ratio 67.7
More key figures
Operating margin 27.6%
EPS (TTM) ₹0.3900
EPS growth (YoY) +263%
Net debt ₹11.6M FY2024

Figures from reported company fundamentals · as of Aug 22, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 50/100

Of which business quality 54 · Market factors (momentum, volatility) 55

Profitability 61
Margins and returns on capital today
Quality Growth 48
Are margins and returns improving?
Cashflow 0
Earnings quality: real cash, not paper profit
Fin. Strength 100
Balance sheet, leverage, solvency risk
Investment 30
Disciplined investing over empire-building
Low Volatility 65
Calm price path (market factor)
Momentum 52
Price trend over the last 3–12 months (market factor)
52W Momentum 47
Distance to the 52-week high (market factor)
Net Issuance 82
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 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 ₹68.4M in FY2026 versus ₹41.8M in FY2022, a compound +13.1%/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)
₹68.4M
Latest YoY
−1.9%
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.
+8.0%
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.
+26.5%
Avg. growth/yr (7Y) 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.
−3.5%
Revenue +13.1%/yr
FY22 ₹41.8M
FY23 ₹54.3M
FY24 ₹62.0M
FY25 ₹69.7M
FY26 ₹68.4M
Net income
FY22 −₹24.6M
FY23 −₹26.2M
FY24 ₹11.6M
FY25 ₹8.0M
FY26 ₹1.5B

MOTOGENFIN screens 57% overvalued. Compare with Plaza S.A →

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

Peer Group

Real Estate Services · 541 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 +67% · Top 25%
Return on equity (TTM) 2% · Below median
Return on assets 0% · Bottom 25%
Net margin (TTM) 16% · Above median
Operating margin (TTM) 28% · Above median
Revenue growth -11% · Bottom 25%
Dividend yield (TTM) 0.1% · Bottom 25%

Valuation Multiples vs Real Estate Services median · lower = cheaper

P/E (TTM) 67.7× · Pricier than 75% of peers
P/B 0.46× · Cheaper than median
P/S (TTM) 10.68× · Pricier 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.

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE100 · sector 33
FUTURE0 · sector 10
PAST8 · sector 16
HEALTH100 · sector 85
DIVIDEND2 · 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

Similar stocks

10 more Real Estate Services stocks, each showing price versus our Fair Value estimate (as of Aug 22, 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 422.00 IDR 1,012 IDR +140%
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 22, 2026, our model estimates a fair value of ₹11.48 versus a price of ₹26.40, about −57% (overvalued).
What is the fair value of MOTOGENFIN?
Our model-based fair value for The Motor & General Finance Limited is ₹11.48 (as of Aug 22, 2026), built from audited fundamentals. The current price: ₹26.40.
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 ₹95.8M (latest available figure, as of Aug 22, 2026).
What is the net profit margin of MOTOGENFIN?
The net profit margin of The Motor & General Finance Limited is about 15.8%, meaning it keeps roughly 15.8% 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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