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Scintilla Commercial & Credit

538857 BSE
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Scintilla Commercial & Credit (SCC) share price was ₹5.40 at the 28 Oct 2026 close; market capitalisation ₹5.43 Cr; sector Financial Services. The share price fell 17.3% over the year to 28 Oct 2026 (adjusted for splits and bonuses). In the Jun 2026 quarter, revenue was ₹0.16 Cr, against ₹0.17 Cr a year earlier and net profit was ₹0.04 Cr, against ₹0.04 Cr a year earlier (compared with Jun 2025). Promoters held 18.81% of Scintilla Commercial & Credit in Sep 2026, unchanged from Jun 2026. Its Tapetide Score is 42/100 (Weak) as of 28 Oct 2026.

Close 28 Oct 2026 ₹5.40 −1.13 −17.30% 1Y

Key Fundamentals

MicrocapFinanceFinancial Services
Market Cap
₹5.43 Cr
EBITDA
−₹10.00 L
Return on Equity
-22.09%
Debt to Equity
0.08
Book Value
₹9.84
EPS (TTM)
−₹0.19
52W High
₹18.30
52W Low
₹4.54

Price-based figures as of 28 Oct 2026, 15:30 IST · EPS basis: Standalone · TTM

Peer Comparison

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

Bajaj Finance
₹925.8526.575,76,430 Cr4.680.66%16.53%10.71%89,874 Cr22,067 Cr
Shriram Finance
₹835.2514.791,96,538 Cr1.760.79%15.18%11.00%51,245 Cr11,318 Cr
Cholamandalam Investment
₹1,561.3023.031,33,384 Cr3.860.14%17.17%9.46%33,147 Cr5,751 Cr
Tata Capital
₹312.8024.301,32,780 Cr2.710.19%10.38%8.56%34,329 Cr5,478 Cr
Muthoot Finance
₹2,448.708.6498,308 Cr2.421.25%26.67%15.43%33,526 Cr11,457 Cr
L&T Finance
₹250.2019.6962,709 Cr2.141.14%10.64%10.11%20,742 Cr3,198 Cr
SBI Cards
₹535.3522.4050,946 Cr2.970.47%13.78%18.31%21,048 Cr2,275 Cr
Scintilla Commercial & Credit (this company)
——5 Cr0.550.00%-22.09%-20.21%1 Cr-0 Cr
Median 8 companies₹835.2522.401,15,544 Cr2.570.57%14.48%10.41%33,337 Cr5,615 Cr

Comparable companies in the same industry. Market cap, P/E and P/B use the live price; other metrics are as reported in filings. A dash means the figure is not published for that company.

Tapetide Score

Data-driven rating, 0–100, as of . How it works →

42 Weak
Overall score

Data confidence 76/100

Category scores

Quality Poor 29
Returns, margins, earnings quality 24% weight
Valuation Good 58
Cheap vs sector & own history 26% weight
Growth Average 48
Sales & profit trajectory 10% weight
Momentum Poor 1
Trend strength, vol-adjusted 13% weight
Ownership Average 50
FII/DII/promoter flows 26% weight

The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.

Key Insights

Strengths

2
  • Company is almost debt free.
  • Stock is trading at 0.77 times its book value

Weaknesses

4
  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of 5.81% over past five years.
  • Promoter holding is low: 18.8%
  • Company has a low return on equity of -1.11% over last 3 years.

Technical Indicators

Oscillators

Bullish

Bearish
3
Neutral
2
Bullish
4

Overall

Bearish

Bearish
13
Neutral
2
Bullish
4

Moving Averages

Bearish

Bearish
10
Neutral
0
Bullish
0

Growth Rate

Revenue Growth
20% higher than 3Y

change over 1 year

Net Income Growth
-417%

change over 1 year

Cash Flow Change
-192%

change over 1 year

EBITDA Margin Change
-300%

change over 1 year

Quarterly Results

Particulars Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
0.16
0.15
0.17
0.18
0.15
0.15
0.16
0.16
0.17
0.25
0.13
0.1
0.16
Expenses
0.2
0.04
0.06
0.49
0.15
0.3
0.08
0.04
0.11
0.05
0.6
0.02
0.1
Financing Profit
-0.06
0.1
0.1
-0.32
-0.01
-0.16
0.07
0.11
0.05
0.19
-0.48
0.07
0.05
Fin. Margin %
-37.5%
66.67%
58.82%
-177.78%
-6.67%
-106.67%
43.75%
68.75%
29.41%
76%
-369.23%
70%
31.25%
Other Income
0
0
0
0
0
0
0
0
0
0
0
0
0
Interest
0.02
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
0.01
Depreciation
0
0
0
0
0
0
0
0
0
0
0
0
0
PBT
-0.06
0.1
0.1
-0.32
-0.01
-0.16
0.07
0.11
0.05
0.19
-0.48
0.07
0.05
Tax %
-33.33%
30%
30%
-15.62%
-200%
0%
-14.29%
0%
20%
26.32%
-6.25%
-14.29%
20%
Net Profit
-0.04
0.07
0.08
-0.28
0.01
-0.16
0.07
0.11
0.04
0.14
-0.44
0.07
0.04
EPS (₹)
-0.04
0.07
0.08
-0.28
0.01
-0.16
0.07
0.11
0.04
0.14
-0.44
0.07
0.04
Figures in ₹ Crores

Profit & Loss

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
1.52
2.65
0.77
0.57
0.5
0.46
0.49
0.56
0.54
0.6
0.62
0.65
0.64
Expenses
1.51
2.64
0.87
0.53
0.55
0.48
0.46
0.46
0.45
0.73
0.57
0.78
0.77
Financing Profit
0.01
0
-0.11
0.04
-0.05
-0.02
0.03
0.07
0.03
-0.18
0.01
-0.17
-0.17
Fin. Margin %
0.66%
0%
-14.29%
7.02%
-10%
-4.35%
6.12%
12.5%
5.56%
-30%
1.61%
-26.15%
-26.56%
Other Income
0
0.01
0
0
0.01
0
0
0
0
0
0
0
0
Interest
0
0.01
0.01
0
0
0
0
0.03
0.06
0.05
0.04
0.04
0.04
Depreciation
0
0
0
0
0
0
0
0
0
0
0
0
0
PBT
0.01
0.01
-0.11
0.04
-0.04
-0.02
0.03
0.07
0.03
-0.18
0.01
-0.17
-0.17
Tax %
100%
0%
9.09%
25%
-25%
0%
33.33%
14.29%
33.33%
-5.56%
-300%
11.76%
—
Net Profit
0
0.01
-0.12
0.03
-0.03
-0.02
0.02
0.05
0.03
-0.17
0.03
-0.19
-0.19
EPS (₹)
0
0.01
-0.12
0.03
-0.03
-0.02
0.02
0.05
0.03
-0.17
0.03
-0.19
-0.19
Div. Payout %
—
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
—
Figures in ₹ Crores

Balance Sheet

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
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
Reserves
0.2
0.21
0.09
0.12
-0.08
-0.1
-0.07
0.06
0.08
-0.11
-0.09
-0.16
Borrowing
0
0.81
0
0
0
0
0
0.72
0.77
0.81
0.82
0.85
Other Liabilities
0.02
0.38
0.44
0.03
0.02
0.02
0.01
0.01
0.01
0.01
0
0.03
Total Liabilities
10.25
11.43
10.56
10.18
9.97
9.95
9.97
10.82
10.89
10.74
10.76
10.75
Fixed Assets
0
0
0
0
0
0
0
0
0
0
0
0
CWIP
0
0
0
0
0
0
0
0
0
0
0
0
Investments
4.63
5.38
2.24
3.48
4.07
3.84
3.93
4.83
4.39
2.64
2.37
3.28
Other Assets
5.62
6.05
8.32
6.7
5.9
6.11
6.04
5.99
6.5
8.1
8.39
7.47
Total Assets
10.25
11.43
10.56
10.18
9.97
9.95
9.97
10.82
10.89
10.74
10.76
10.75
Figures in ₹ Crores

Cash Flow

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
-2.32
-0.08
-2.14
0.93
0.03
-0.02
0.06
-0.7
0.52
-0.42
-0.08
-0.02
Investing
2.42
-0.73
3.15
-1.18
-0.07
0
0
0
0
0
0
0
Financing
0
0.81
-0.81
0
0
0
0
0.7
-0.01
-0.01
-0.04
0
Net Cash Flow
0.1
0
0.21
-0.25
-0.04
-0.02
0.07
-0.01
0.52
-0.43
-0.11
-0.02
Free Cash Flow
-2.32
-0.08
-2.14
0.93
0.03
-0.02
0.06
-0.7
0.52
-0.42
-0.08
-0.02
CFO/OP
-23,100
-800
2,130
2,350
-60
100
233
-690
589
315
-160
15
Figures in ₹ Crores

Ratios

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
0%
0.1%
-1.18%
0.3%
-0.3%
-0.2%
0.2%
0.5%
0.3%
-1.7%
0.3%
-1.92%

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

Log in to view Scintilla Commercial & Credit insights

59 extracted metrics + investor summaries across FY10–FY27.

Shareholding Pattern

Others42.05%Promot.18.81%Public39.14%As ofSep 2026

Documents

Frequently Asked Questions about Scintilla Commercial & Credit

What does Scintilla Commercial & Credit Ltd do?
Incorporated in 1990, Scintilla Commercial & Credit Ltd is in the business of Investment and Finance.[1]
Where is Scintilla Commercial & Credit Ltd (SCC) listed?
Scintilla Commercial & Credit Ltd trades under code 538857 on the BSE.
Which sector does Scintilla Commercial & Credit Ltd belong to?
Scintilla Commercial & Credit Ltd is classified under the Financial Services sector, in the NBFC industry.
What is the market capitalisation of Scintilla Commercial & Credit Ltd?
Scintilla Commercial & Credit Ltd has a market capitalisation of ₹5.43 Cr as of 28 Oct 2026, which places it in the Small Cap band.
What is the 52-week high and low of Scintilla Commercial & Credit Ltd?
Over the last 52 weeks Scintilla Commercial & Credit Ltd has traded between ₹4.54 and ₹18.3 as of 28 Oct 2026.
What is the Return on Equity (ROE) of Scintilla Commercial & Credit Ltd?
Scintilla Commercial & Credit Ltd reported a return on equity of -22.09%. Its debt-to-equity ratio is 0.08.

Company Information

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

Website scintilla.co.in
Face Value ₹ 10
Shares Outstanding 1,00,56,926

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