Scintilla Commercial & Credit Ltd

Scintilla Comm Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Scintilla Commercial & Credit Ltd

₹ 9.49 4.98%
12 Dec - close price
scintilla.co.in BSE: 538857
About

Incorporated in 1990, Scintilla Commercial & Credit Ltd is in the business of Investment and Finance.[1]

Key Points

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.

Website BSE
  • Market Cap ₹ 9.52 Cr.
  • Current Price ₹ 9.49
  • High / Low ₹ 9.49 / 4.52
  • Stock P/E
  • Book Value ₹ 9.89
  • Dividend Yield 0.00 %
  • ROCE -1.10 %
  • ROE -1.49 %
  • Face Value ₹ 10.0
Edit ratios

Pros

  • Company is almost debt free.
  • Stock is trading at 0.96 times its book value

Cons

  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of 0.68% over past five years.
  • Promoter holding is low: 18.8%
  • Company has a low return on equity of -0.26% over last 3 years.
  • Company has high debtors of 158 days.
  • Working capital days have increased from 142 days to 207 days

* 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.

Peer comparison

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
0.14 0.16 0.16 0.13 0.22 0.13 0.13 0.13 0.19 0.16 0.15 0.17 0.18
0.47 0.04 0.09 0.13 0.34 0.10 0.05 0.04 0.33 0.20 0.05 0.05 0.49
Operating Profit -0.33 0.12 0.07 0.00 -0.12 0.03 0.08 0.09 -0.14 -0.04 0.10 0.12 -0.31
OPM % -235.71% 75.00% 43.75% 0.00% -54.55% 23.08% 61.54% 69.23% -73.68% -25.00% 66.67% 70.59% -172.22%
0.16 0.00 0.00 0.00 0.06 0.00 0.00 0.00 0.01 0.00 0.05 -0.05 -2.04
Interest 0.00 0.00 0.00 0.01 0.02 0.02 0.02 0.02 0.01 0.02 0.01 0.01 0.01
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 -0.17 0.12 0.07 -0.01 -0.08 0.01 0.06 0.07 -0.14 -0.06 0.14 0.06 -2.36
Tax % -17.65% 41.67% -14.29% 100.00% -25.00% 100.00% 33.33% 28.57% -21.43% -33.33% 21.43% 50.00% -2.54%
-0.14 0.08 0.08 -0.02 -0.06 0.01 0.04 0.06 -0.12 -0.05 0.12 0.04 -2.30
EPS in Rs -0.14 0.08 0.08 -0.02 -0.07 0.01 0.04 0.06 -0.10 -0.05 0.10 0.06 -2.29
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
0.34 1.53 2.76 0.84 0.66 0.58 0.59 0.49 0.62 0.54 0.60
0.25 1.57 2.72 0.95 0.64 0.55 0.62 0.57 0.49 0.48 0.73
Operating Profit 0.09 -0.04 0.04 -0.11 0.02 0.03 -0.03 -0.08 0.13 0.06 -0.13
OPM % 26.47% -2.61% 1.45% -13.10% 3.03% 5.17% -5.08% -16.33% 20.97% 11.11% -21.67%
0.00 0.07 0.00 0.02 0.03 0.01 0.01 0.17 0.00 0.00 -2.04
Interest 0.01 0.00 0.01 0.01 0.00 0.00 0.00 0.00 0.03 0.06 0.05
Depreciation 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 0.08 0.03 0.03 -0.10 0.05 0.04 -0.02 0.09 0.10 0.00 -2.22
Tax % 12.50% 33.33% 33.33% 10.00% 20.00% 25.00% -150.00% 22.22% 30.00% -1.35%
0.07 0.01 0.01 -0.11 0.04 0.02 0.01 0.07 0.07 -0.01 -2.19
EPS in Rs 0.06 0.01 0.01 -0.11 0.04 0.00 0.00 0.05 0.06 0.01 -2.18
Dividend Payout % 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Compounded Sales Growth
10 Years: 6%
5 Years: 1%
3 Years: 7%
TTM: 11%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: %
TTM: -1600%
Stock Price CAGR
10 Years: -12%
5 Years: %
3 Years: 35%
1 Year: 36%
Return on Equity
10 Years: 0%
5 Years: 0%
3 Years: 0%
Last Year: -1%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity Capital 10.03 10.03 10.03 10.03 10.03 10.03 10.03 10.03 10.03 10.03 10.03
Reserves 0.21 0.22 0.23 0.12 0.15 0.05 0.04 0.09 0.24 0.25 -0.11
0.00 0.25 0.81 0.00 0.00 0.00 0.00 0.00 0.72 0.77 0.81
1.86 1.95 2.18 2.23 1.85 1.87 1.90 1.96 1.98 1.87 0.01
Total Liabilities 12.10 12.45 13.25 12.38 12.03 11.95 11.97 12.08 12.97 12.92 10.74
0.02 0.05 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.02 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
Investments 6.55 6.66 6.97 2.49 5.05 5.25 5.03 4.14 4.20 3.74 2.64
5.53 5.74 6.26 9.87 6.96 6.68 6.92 7.92 8.75 9.16 8.10
Total Assets 12.10 12.45 13.25 12.38 12.03 11.95 11.97 12.08 12.97 12.92 10.74

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
-3.96 -2.70 -0.06 -0.86 -0.47 -0.05 -0.16 0.52 -1.47 0.49 -0.45
0.95 2.56 -0.40 3.22 -1.09 -0.09 0.14 0.18 0.06 0.01 0.00
0.00 0.25 0.56 -0.81 0.00 0.00 0.00 0.00 0.70 -0.01 -0.01
Net Cash Flow -3.01 0.12 0.09 1.56 -1.56 -0.13 -0.03 0.69 -0.71 0.49 -0.46

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Debtor Days 365.00 50.10 22.48 916.85 0.00 37.76 0.00 89.39 94.19 108.15 158.17
Inventory Days 842.31 0.00 38.27 189.26 296.56
Days Payable 168.46 0.00 277.13 0.00
Cash Conversion Cycle 1,038.85 50.10 60.75 828.97 296.56 37.76 0.00 89.39 94.19 108.15 158.17
Working Capital Days 5,721.91 1,242.91 626.85 3,276.31 3,633.41 56.64 12.37 37.24 76.53 141.94 206.83
ROCE % 0.25% 0.32% -0.73% 0.42% 0.33% -0.17% 0.75% 1.05% 0.47% -1.10%

Shareholding Pattern

Numbers in percentages

Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025
18.81% 18.81% 18.81% 18.81% 18.81% 18.81% 18.81% 18.81% 18.81% 18.81% 18.81% 18.81%
81.18% 81.18% 81.19% 81.18% 81.19% 81.18% 81.19% 81.18% 81.18% 81.18% 81.19% 81.19%
No. of Shareholders 1,5151,5171,5151,5471,5651,5841,6981,7721,8821,8881,9261,967

Documents

Announcements

Annual reports