Scintilla Commercial & Credit Ltd

SCC

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Market Cap

₹ 10 Cr

P/E

—

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Investment Checklist

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Performance

MARKET LEADER

Valuation

REASONABLE

Growth

SLUGGISH

Profitability

LOW MARGIN

Technicals

Bullish

Risk

MODERATE RISK

Investment Checklist

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Price

PE Ratio

Price

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Overview

Detailed Summary

Scintilla Commercial & Credit Limited operates as a Non-Banking Finance Company (NBFC) providing financial services in West Bengal, India.

The company specializes in financing and loan solutions to both corporate and individual clients, ensuring accessibility to necessary capital.

Scintilla is involved in the trading of shares and securities, engaging actively in the capital markets.

It also extends its services to offering shares to individuals and corporate entities, broadening investment opportunities.

Sector

Finance

Industry

NBFC-Others

Market Cap

10 Cr

Volatility

Low Risk

P/E Ratio

—

Industry P/E

34.5

PEG Ratio

—

P/B Ratio

1.0

52W High

10.45

52W Low

4.52

Sales CAGR

11.11%

3.41%

6.17%

10Y

-14.91%

Profit CAGR

-21800.00%

-11.95%

—

10Y

17.76%

ROE

TTM

-1.63%

-6.20%

-3.57%

10Y

-1.79%

ROCE

TTM

-1.20%

-5.42%

-3.16%

10Y

-1.54%

Technicals

‌

Forecasts

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
BRIJLEAS	15.21	10 Cr	2.95	1.59	0.00	53.99	22.19	13.19
GBFL	8.52	10 Cr	—	0.35	0.00	-9.93	44.67	-1.19
USHAKIRA	38.00	10 Cr	—	0.58	0.00	-0.47	-0.10	-0.50
SCC	10.45	10 Cr	—	1.01	0.00	-1.63	-1.20	-20.39
HASTIFIN	9.15	10 Cr	—	1.35	0.00	-171.34	-171.17	-157.75
KINETRU	30.94	10 Cr	31.35	2.45	0.00	7.81	6.17	1.15
LYONSCO	22.00	10 Cr	—	0.97	0.00	-0.11	6.01	-0.05

Financial Statements

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Consolidated Quarterly Results (in ₹ Crores)

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Total Figures

QoQ Changes

Total Figures

	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Revenue	0.13	0.22	0.13	0.13	0.13	0.18	0.16	0.15	0.17	0.18
Expenses	0.13	0.33	0.10	0.05	0.04	0.32	0.20	0.04	0.05	0.50
Interest	0.01	0.02	0.02	0.02	0.02	0.01	0.02	0.01	0.01	0.01
Financing Profit	-0.01	-0.13	0.01	0.06	0.07	-0.15	-0.06	0.10	0.11	-0.33
Financing Margin %	-7.69	-59.09	7.69	46.15	53.85	-83.33	-37.50	66.67	64.71	-183.33
Other Income	0.00	0.06	0.00	0.00	0.00	0.01	0.00	0.05	-0.05	-2.04
Depreciation	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Profit Before Tax	-0.01	-0.08	0.01	0.06	0.07	-0.14	-0.06	0.14	0.06	-2.36
Tax %	-100.00	25.00	0.00	33.33	28.57	14.29	33.33	21.43	50.00	2.54
Net Profit	-0.02	-0.06	0.01	0.04	0.06	-0.12	-0.05	0.12	0.04	-2.30
EPS in Rs	-0.02	-0.06	0.01	0.04	0.06	-0.12	-0.05	0.12	0.04	-2.29
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Consolidated Profit Loss (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	TTM
Revenue	2.66	0.75	0.52	0.50	0.46	0.49	0.56	0.53	0.59	0.66
Expenses	2.73	0.96	0.64	0.56	0.62	0.57	0.49	0.48	0.73	0.79
Interest	0.01	0.01	0.00	0.00	0.00	0.00	0.03	0.06	0.05	0.05
Financing Profit	-0.07	-0.21	-0.12	-0.06	-0.16	-0.08	0.04	-0.01	-0.18	-0.18
Financing Margin %	-2.73	-28.14	-23.41	-12.42	-34.21	-17.11	7.76	-1.02	-30.47	-27.27
Other Income	0.10	0.11	0.17	0.10	0.14	0.18	0.06	0.01	0.00	-2.04
Depreciation	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Profit Before Tax	0.03	-0.10	0.05	0.04	-0.02	0.09	0.10	0.00	-0.18	-2.22
Tax %	26.59	-7.45	24.01	37.34	146.19	18.18	27.32	317.24	15.19	1.35
Net Profit	0.02	-0.11	0.04	0.02	0.01	0.08	0.08	-0.01	-2.19	-2.19
EPS in Rs	—	—	—	0.02	0.01	0.07	0.08	-0.01	-2.18	-2.18
Dividend Payout %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	—

Consolidated Balance Sheet (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Equity Capital	10	10	10	10	10	10	10	10	10	10
Reserves	0.22	0.23	0.12	0.15	0.05	0.04	0.09	0.24	0.25	-0.11
Borrowings	0.25	0.81	0.00	0.00	0.00	0.00	0.00	0.72	0.77	0.81
Other Liabilities	1.95	2.19	2.24	1.85	1.88	1.90	1.96	1.99	1.87	0.01
Total Liabilities	12	13	12	12	12	12	12	13	13	11
Fixed Assets	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
Investments	0.00	0.00	0.00	0.00	5.25	5.03	4.14	4.20	3.74	2.64
Other Assets	12	13	12	12	6.68	6.92	7.92	8.75	9.15	8.10
Total Assets	12	13	12	12	12	12	12	13	13	11

Consolidated Cash Flows (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

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

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Promoters	18.81%	18.81%	18.81%	18.81%	18.81%	18.81%	18.81%	18.81%	18.81%	18.81%	18.81%	18.81%
FIIs	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
DIIs	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Public	81.19%	81.19%	81.19%	81.19%	81.19%	81.19%	81.19%	81.19%	81.19%	81.19%	81.19%	81.19%
Total Shareholders	1,515	1,517	1,515	1,547	1,565	1,584	1,698	1,772	1,882	1,888	1,926	1,967

Market Transactions

Date	Party	Category	Type	Avg Price (₹)	Total Value (₹)	Quantity	Percent Traded
Oct 04, 2023	Crochet trade & investment p...	Bulk	Sell	4.04	0.03 Cr	72,200	0.72
Oct 04, 2023	Surekha chaudhary	Bulk	Buy	4.04	0.02 Cr	61,225	0.61
Sep 05, 2023	Ortem securities limited	Bulk	Buy	4.56	0.05 Cr	1,00,000	0.99

Projection

Actions

Action Type

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Announcements

Last 7 days

Newest

Sentiment

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Documents

Presentations

Concalls

Reports

Presentations

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Financial Statements

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Consolidated Quarterly Results (in ₹ Crores)

View Standalone

Total Figures

QoQ Changes

Total Figures

	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Revenue	0.13	0.22	0.13	0.13	0.13	0.18	0.16	0.15	0.17	0.18
Expenses	0.13	0.33	0.10	0.05	0.04	0.32	0.20	0.04	0.05	0.50
Interest	0.01	0.02	0.02	0.02	0.02	0.01	0.02	0.01	0.01	0.01
Financing Profit	-0.01	-0.13	0.01	0.06	0.07	-0.15	-0.06	0.10	0.11	-0.33
Financing Margin %	-7.69	-59.09	7.69	46.15	53.85	-83.33	-37.50	66.67	64.71	-183.33
Other Income	0.00	0.06	0.00	0.00	0.00	0.01	0.00	0.05	-0.05	-2.04
Depreciation	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Profit Before Tax	-0.01	-0.08	0.01	0.06	0.07	-0.14	-0.06	0.14	0.06	-2.36
Tax %	-100.00	25.00	0.00	33.33	28.57	14.29	33.33	21.43	50.00	2.54
Net Profit	-0.02	-0.06	0.01	0.04	0.06	-0.12	-0.05	0.12	0.04	-2.30
EPS in Rs	-0.02	-0.06	0.01	0.04	0.06	-0.12	-0.05	0.12	0.04	-2.29
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Consolidated Profit Loss (in ₹ Crores)

View Standalone

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	TTM
Revenue	2.66	0.75	0.52	0.50	0.46	0.49	0.56	0.53	0.59	0.66
Expenses	2.73	0.96	0.64	0.56	0.62	0.57	0.49	0.48	0.73	0.79
Interest	0.01	0.01	0.00	0.00	0.00	0.00	0.03	0.06	0.05	0.05
Financing Profit	-0.07	-0.21	-0.12	-0.06	-0.16	-0.08	0.04	-0.01	-0.18	-0.18
Financing Margin %	-2.73	-28.14	-23.41	-12.42	-34.21	-17.11	7.76	-1.02	-30.47	-27.27
Other Income	0.10	0.11	0.17	0.10	0.14	0.18	0.06	0.01	0.00	-2.04
Depreciation	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Profit Before Tax	0.03	-0.10	0.05	0.04	-0.02	0.09	0.10	0.00	-0.18	-2.22
Tax %	26.59	-7.45	24.01	37.34	146.19	18.18	27.32	317.24	15.19	1.35
Net Profit	0.02	-0.11	0.04	0.02	0.01	0.08	0.08	-0.01	-2.19	-2.19
EPS in Rs	—	—	—	0.02	0.01	0.07	0.08	-0.01	-2.18	-2.18
Dividend Payout %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	—

Consolidated Balance Sheet (in ₹ Crores)

View Standalone

Total Figures

YoY Changes

Total Figures

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Equity Capital	10	10	10	10	10	10	10	10	10	10
Reserves	0.22	0.23	0.12	0.15	0.05	0.04	0.09	0.24	0.25	-0.11
Borrowings	0.25	0.81	0.00	0.00	0.00	0.00	0.00	0.72	0.77	0.81
Other Liabilities	1.95	2.19	2.24	1.85	1.88	1.90	1.96	1.99	1.87	0.01
Total Liabilities	12	13	12	12	12	12	12	13	13	11
Fixed Assets	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
Investments	0.00	0.00	0.00	0.00	5.25	5.03	4.14	4.20	3.74	2.64
Other Assets	12	13	12	12	6.68	6.92	7.92	8.75	9.15	8.10
Total Assets	12	13	12	12	12	12	12	13	13	11

Consolidated Cash Flows (in ₹ Crores)

View Standalone

Total Figures

YoY Changes

Total Figures

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

Oscillators

BearishNeutralBullish

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bullish

Bearish

Neutral

Bullish

Moving Averages

BearishNeutralBullish

Bullish

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bullish

Bearish

Neutral

Bullish

Overview

Detailed Summary

Scintilla Commercial & Credit Limited operates as a Non-Banking Finance Company (NBFC) providing financial services in West Bengal, India.

The company specializes in financing and loan solutions to both corporate and individual clients, ensuring accessibility to necessary capital.

Scintilla is involved in the trading of shares and securities, engaging actively in the capital markets.

It also extends its services to offering shares to individuals and corporate entities, broadening investment opportunities.

Sector

Finance

Industry

NBFC-Others

Market Cap

10 Cr

Volatility

Low Risk

P/E Ratio

—

Industry P/E

34.5

PEG Ratio

—

P/B Ratio

1.0

52W High

10.45

52W Low

4.52

Sales CAGR

11.11%

3.41%

6.17%

10Y

-14.91%

Profit CAGR

-21800.00%

-11.95%

—

10Y

17.76%

ROE

TTM

-1.63%

-6.20%

-3.57%

10Y

-1.79%

ROCE

TTM

-1.20%

-5.42%

-3.16%

10Y

-1.54%

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
BRIJLEAS	15.21	10 Cr	2.95	1.59	0.00	53.99	22.19	13.19
GBFL	8.52	10 Cr	—	0.35	0.00	-9.93	44.67	-1.19
USHAKIRA	38.00	10 Cr	—	0.58	0.00	-0.47	-0.10	-0.50
SCC	10.45	10 Cr	—	1.01	0.00	-1.63	-1.20	-20.39
HASTIFIN	9.15	10 Cr	—	1.35	0.00	-171.34	-171.17	-157.75
KINETRU	30.94	10 Cr	31.35	2.45	0.00	7.81	6.17	1.15
LYONSCO	22.00	10 Cr	—	0.97	0.00	-0.11	6.01	-0.05