Recent Price Movement and Market Context
On 25 Nov 2025, Motor & General Finance’s share price touched Rs.23.73, representing a decline of 2.98% on the day and underperforming its sector by 3.2%. This marks the lowest price level for the stock in the past year, down from its 52-week high of Rs.35.10. Over the last three trading days, the stock has recorded a cumulative return of -7.12%, indicating sustained selling pressure.
The broader market, represented by the Sensex, opened positively with a gain of 108.22 points but later retreated by 141.66 points to close at 84,867.27, a marginal fall of 0.04%. The Sensex remains close to its 52-week high of 85,801.70, trading 1.1% below that peak. Mid-cap stocks led the market with a slight gain of 0.07% on the BSE Mid Cap index, contrasting with the performance of Motor & General Finance.
Technical indicators show the stock trading below all key moving averages, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages, signalling a bearish trend in the short to long term.
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Financial Performance Overview
Motor & General Finance operates within the Diversified Commercial Services sector and has experienced a challenging financial year. The stock’s one-year return stands at -30.37%, contrasting with the Sensex’s positive return of 5.98% over the same period. This underperformance extends to longer time frames, with the stock lagging behind the BSE500 index over the past three years, one year, and three months.
Profitability metrics reveal a decline in profits by 27.3% over the past year. The company reported flat results in the quarter ending September 2025, with non-operating income constituting 140.54% of profit before tax (PBT), indicating reliance on income sources outside core operations.
Return on equity (ROE) is recorded at 2%, suggesting modest returns relative to shareholder equity. The price-to-book value ratio stands at 1.2, reflecting a valuation that is fair but trading at a discount compared to peers’ historical averages.
Shareholding and Market Capitalisation
The majority shareholding remains with promoters, maintaining control over the company’s strategic direction. The market capitalisation grade is noted as 4, indicating a micro-cap status within the market spectrum.
Sector and Peer Comparison
Within the Diversified Commercial Services sector, Motor & General Finance’s recent performance contrasts with broader market trends. While mid-cap stocks have shown resilience, this stock’s valuation and returns have lagged behind sector averages. The stock’s discount to peer valuations may reflect the market’s assessment of its financial health and growth prospects.
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Summary of Key Metrics
To summarise, Motor & General Finance’s stock price has declined to Rs.23.73, marking a 52-week low and reflecting a downward trend over recent sessions. The stock’s performance over the past year shows a negative return of 30.37%, with profits contracting by 27.3%. The company’s ROE of 2% and price-to-book ratio of 1.2 indicate a valuation that is modest but discounted relative to peers. Non-operating income plays a significant role in the company’s profitability, accounting for over 140% of PBT in the latest quarter.
Market conditions show the Sensex maintaining a near-record high, with mid-cap stocks generally outperforming, highlighting the divergence in Motor & General Finance’s trajectory within its sector.
Technical and Market Sentiment Indicators
The stock’s position below all major moving averages suggests continued pressure on the price level. The three-day consecutive decline and underperformance relative to the sector underline the cautious stance reflected in the market’s pricing of the stock.
While the broader market exhibits signs of strength, Motor & General Finance’s valuation and returns indicate a more subdued outlook based on recent financial disclosures and market activity.
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