Scintilla Commercial & Credit Ltd
₹ 13.1
0.08%
01 Apr
9:41 a.m.
About
Incorporated in 1990, Scintilla Commercial & Credit Ltd is in the business of Investment and Finance.[1]
Key Points
- Market Cap ₹ 13.1 Cr.
- Current Price ₹ 13.1
- High / Low ₹ 15.0 / 4.52
- Stock P/E
- Book Value ₹ 10.2
- Dividend Yield 0.00 %
- ROCE 0.47 %
- ROE 0.30 %
- Face Value ₹ 10.0
Pros
- Company is almost debt free.
- Company's working capital requirements have reduced from 132 days to 58.9 days
Cons
- Company has low interest coverage ratio.
- The company has delivered a poor sales growth of 6.15% over past five years.
- Promoter holding is low: 18.8%
- Company has a low return on equity of -0.37% over last 3 years.
* 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.
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Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 0.28 | 1.52 | 2.65 | 0.77 | 0.57 | 0.50 | 0.46 | 0.49 | 0.56 | 0.54 | 0.60 | 0.62 | 0.71 | |
| Interest | 0.00 | 0.00 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.03 | 0.06 | 0.05 | 0.04 | 0.04 |
| 0.22 | 1.51 | 2.64 | 0.87 | 0.53 | 0.55 | 0.48 | 0.46 | 0.46 | 0.45 | 0.73 | 0.57 | 0.80 | |
| Financing Profit | 0.06 | 0.01 | 0.00 | -0.11 | 0.04 | -0.05 | -0.02 | 0.03 | 0.07 | 0.03 | -0.18 | 0.01 | -0.13 |
| Financing Margin % | 21.43% | 0.66% | 0.00% | -14.29% | 7.02% | -10.00% | -4.35% | 6.12% | 12.50% | 5.56% | -30.00% | 1.61% | -18.31% |
| 0.00 | 0.00 | 0.01 | 0.00 | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Depreciation | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | 0.06 | 0.01 | 0.01 | -0.11 | 0.04 | -0.04 | -0.02 | 0.03 | 0.07 | 0.03 | -0.18 | 0.01 | -0.13 |
| Tax % | 16.67% | 100.00% | 0.00% | 9.09% | 25.00% | -25.00% | 0.00% | 33.33% | 14.29% | 33.33% | -5.56% | -300.00% | |
| 0.05 | 0.00 | 0.01 | -0.12 | 0.03 | -0.03 | -0.02 | 0.02 | 0.05 | 0.03 | -0.17 | 0.03 | -0.15 | |
| EPS in Rs | 0.05 | 0.00 | 0.01 | -0.12 | 0.03 | -0.03 | -0.02 | 0.02 | 0.05 | 0.03 | -0.17 | 0.03 | -0.15 |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | -9% |
| 5 Years: | 6% |
| 3 Years: | 3% |
| TTM: | 11% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 28% |
| 3 Years: | -16% |
| TTM: | 58% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | -10% |
| 5 Years: | 9% |
| 3 Years: | 42% |
| 1 Year: | 175% |
| Return on Equity | |
|---|---|
| 10 Years: | 0% |
| 5 Years: | 0% |
| 3 Years: | 0% |
| Last Year: | 0% |
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 10.03 | 10.03 | 10.03 | 10.03 | 10.03 | 10.03 | 10.03 | 10.03 | 10.03 | 10.03 | 10.03 | 10.03 | 10.03 |
| Reserves | 0.20 | 0.20 | 0.21 | 0.09 | 0.12 | -0.08 | -0.10 | -0.07 | 0.06 | 0.08 | -0.11 | -0.09 | 0.19 |
| Borrowing | 0.00 | 0.00 | 0.81 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.72 | 0.77 | 0.81 | 0.82 | 0.83 |
| 0.01 | 0.02 | 0.38 | 0.44 | 0.03 | 0.02 | 0.02 | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 | 0.06 | |
| Total Liabilities | 10.24 | 10.25 | 11.43 | 10.56 | 10.18 | 9.97 | 9.95 | 9.97 | 10.82 | 10.89 | 10.74 | 10.76 | 11.11 |
| 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| CWIP | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | 6.86 | 4.63 | 5.38 | 2.24 | 3.48 | 4.07 | 3.84 | 3.93 | 4.83 | 4.39 | 2.64 | 2.37 | 4.60 |
| 3.38 | 5.62 | 6.05 | 8.32 | 6.70 | 5.90 | 6.11 | 6.04 | 5.99 | 6.50 | 8.10 | 8.39 | 6.51 | |
| Total Assets | 10.24 | 10.25 | 11.43 | 10.56 | 10.18 | 9.97 | 9.95 | 9.97 | 10.82 | 10.89 | 10.74 | 10.76 | 11.11 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| -0.81 | -2.32 | -0.08 | -2.14 | 0.93 | 0.03 | -0.02 | 0.06 | -0.70 | 0.52 | -0.42 | -0.08 | |
| 0.67 | 2.42 | -0.73 | 3.15 | -1.18 | -0.07 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| 0.00 | 0.00 | 0.81 | -0.81 | 0.00 | 0.00 | 0.00 | 0.00 | 0.70 | -0.01 | -0.01 | -0.04 | |
| Net Cash Flow | -0.14 | 0.10 | 0.00 | 0.21 | -0.25 | -0.04 | -0.02 | 0.07 | -0.01 | 0.52 | -0.43 | -0.11 |
| Free Cash Flow | -0.81 | -2.32 | -0.08 | -2.14 | 0.93 | 0.03 | -0.02 | 0.06 | -0.70 | 0.52 | -0.42 | -0.08 |
| CFO/OP | -1,350% | -23,100% | -800% | 2,130% | 2,350% | -60% | 100% | 233% | -690% | 589% | 315% | -160% |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 0.49% | 0.00% | 0.10% | -1.18% | 0.30% | -0.30% | -0.20% | 0.20% | 0.50% | 0.30% | -1.70% | 0.30% |
Insights
In beta| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Investments (Standalone) INR in '000 |
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| Total Loans and Advances (Standalone) INR in '000 |
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Documents
Announcements
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Closure of Trading Window
25 Mar - Trading window closed from 1 April 2026 until 48 hours after audited Q4 and FY2026 results.
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Announcement under Regulation 30 (LODR)-Newspaper Publication
14 Feb - Newspaper clippings for publication of unaudited financial results for the quarter and nine months ended 31.12.2025
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Board Meeting Outcome for Outcome Of Board Meeting Held On 13.02.2026
13 Feb - Board approved unaudited Q3 and nine-month results to Dec 31, 2025; limited review report issued.
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Unaudited Financial Results For The Quarter And Nine Months Ended 31.12.2025
13 Feb - Unaudited Q3 and 9M results ended 31-Dec-2025; Q3 revenue Rs12.17L, 9M Rs54.53L; Q3 loss before tax Rs47.72L.
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Board Meeting Intimation for Consideration And Approval Of Financial Results For The Quarter Ended 31.12.2025
10 Feb - Board meeting 13 Feb 2026 to approve unaudited results for quarter ended 31 Dec 2025; trading window closed.
Annual reports
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Financial Year 2025
from bse
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Financial Year 2024
from bse
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Financial Year 2023
from bse
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Financial Year 2022
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Financial Year 2021
from bse
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Financial Year 2020
from bse
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Financial Year 2019
from bse
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Financial Year 2018
from bse
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Financial Year 2017
from bse
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Financial Year 2016
from bse
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Financial Year 2015
from bse
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Financial Year 2014
from bse
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Financial Year 2013
from bse
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Financial Year 2012
from bse
Business Overview:[1]
SCCL is registered as a non systematically
important non-deposit taking Non-Banking
Finance Company. It operates in the West
Bengal and specialises in providing financial
services. The company mainly does investments
in various companies and provides loans.