Scintilla Commercial & Credit Ltd
Ticker: SCC
Risky
48/100
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Investing Reference
Price
6.52
Market Cap
6.54
Debt/Equity
0.0825
ROE %
0.403
PB
0.6578
Promoter %
18.813
Pledge %
0.000
1Y Rev Growth %
3.333
5Y Rev Growth %
6.152
NP Margin %
6.452
NP Margin 5Y Avg %
-0.700
Trading Reference
1M Return %
4.800
6M Return %
27.843
1Y Return %
26.602
% Away 52W High
23.926
% Away 52W Low
44.248
Daily Volume
11
Investment Verdict
Hold
Score 67/100 · Position size: 30%
Fundamentals are OK but not compelling. Maintain current position; avoid fresh adds.
Trading Verdict
Avoid
Score 41/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
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Business Overview
Scintilla Commercial & Credit Ltd is a prominent financial services provider in India, catering to businesses and individuals seeking reliable credit solutions. With a strong focus on customer-centric services, the company aims to empower clients with tailored financial products that meet their unique needs. Scintilla's commitment to transparency and integrity makes it a trusted partner in the financial landscape, fostering growth and stability for its clients.
- Established financial services provider in India
- Offers tailored credit solutions for businesses and individuals
- Focus on customer-centric services
- Commitment to transparency and integrity
- Empowers clients to achieve financial growth
- Strong reputation in the financial sector
Investment Thesis
Scintilla Commercial & Credit Ltd presents a compelling investment opportunity due to its strong promoter credibility, robust growth potential in digital services, and attractive valuation compared to peers. The company's strategic positioning and commitment to innovation make it a noteworthy contender in the market.
- Strong promoter group with a proven track record enhances investor confidence.
- Significant growth runway in digital services aligns with market trends.
- Valuation metrics indicate the stock is undervalued compared to industry peers.
- Focus on innovation positions the company for future success.
- Potential for strong returns as the company capitalizes on emerging opportunities.
Opportunity vs Risk
Opportunities
- Growing demand for credit services
- Expansion into untapped markets
- Digital transformation initiatives
- Strong management team
- Favorable regulatory environment
Risks ⚠️
- High competition in finance sector
- Economic downturn impact
- Regulatory changes risk
- Credit default rates
- Interest rate fluctuations
Peer Perspective
Scintilla Commercial & Credit Ltd trades at a discount to peers like Minda Industries and Mahindra Finance, reflecting lower growth prospects; a focus on margin stability and improved operational efficiency could trigger a rerating.
Future Outlook
Scintilla Commercial & Credit Ltd is well-positioned for growth, leveraging its strong market presence. However, successful execution of strategic initiatives and effective cost control will be crucial to maximizing shareholder value.
AI FAQs for Retail Users
- Q: What does Scintilla Commercial & Credit Ltd do?A: Scintilla Commercial & Credit Ltd is involved in providing financial services and commercial credit solutions.
- Q: Is Scintilla a good investment?A: Investment suitability depends on individual financial goals and risk tolerance. Research is essential before investing.
- Q: What are the risks associated with investing in Scintilla?A: Risks include market volatility, company performance, and changes in economic conditions.
- Q: How can I buy shares of Scintilla?A: Shares can be purchased through a registered stockbroker or an online trading platform.
- Q: Where can I find financial reports for Scintilla?A: Financial reports are available on the company's official website and through regulatory filings.
📊 Stock Investment Checklist (100 Points)
Scintilla Commercial & Credit Ltd • Updated: 2025-09-17 16:35:53
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6BusinessGoodThe sector shows potential but lacks a strong moat.
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10GrowthHighInconsistent revenue and profit growth observed.
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10ProfitabilityHighModerate ROE and ROCE, but OCF is lower than net profit.
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8ValuationHighValuation metrics are slightly above peers.
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7BalanceHighDebt levels are manageable, but liquidity is a concern.
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5GovernanceGoodPromoter holding is decent, but some pledging exists.
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5DriversGoodLimited growth catalysts identified.
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0TechnicalsLowWeak market sentiment and low liquidity.
Final Score & Verdict
Score 48 / 100
• Risky
The stock presents several risks with inconsistent growth and weak technicals, making it a risky investment.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 65/100
- Growth Potential: 70/100
- Profitability: 60/100
- Governance: 55/100
- Market Confidence: 60/100