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Scintilla Commercial & CreditBOM:538857 -2.32%38 Gross Margin % is 77.70% as of Mar. 2026, which is 1% below its 10-year median of 78.51. GuruFocus rates BOM:538857 with a GF Score™ of 38/100 and a GF Value™ of ₹5.67 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 390 Credit Services companies, Scintilla Commercial & Credit ranks better than 82.31% on this metric.
Warren Buffett believes that firms with excellent long term economics tend to have consistently higher margins.
Durable competitive advantage creates a high Gross Margin % because of the freedom to price in excess of cost. Companies can be categorized by their Gross Margin %
1. Greater than 40% = Durable competitive advantage
2. Less than 40% = Competition eroding margins
3. Less than 20% = no sustainable competitive advantage
Consistency of Gross Margin is key
Scintilla Commercial & Credit had a gross margin of 77.70% for the quarter that ended in Mar. 2026 => Durable competitive advantage
Be Aware
If a company loses its competitive advantages, usually its gross margin declines well before its sales declines. Watching Gross Margin % and Operating Margin % closely helps avoid value trap situations.
Scintilla Commercial & Credit Gross Margin % Related Terms
Scintilla Commercial & Credit Gross Margin % Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
BOM:538857 vs V, MA, AXP: Gross Margin % Comparison
For the Credit Services subindustry, Scintilla Commercial & Credit's Gross Margin %, along with its competitors' market caps and Gross Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Scintilla Commercial & Credit Gross Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Scintilla Commercial & Credit's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Scintilla Commercial & Credit's Gross Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
A positive Gross Profit is only the first step for a company to make a net profit. The gross profit needs to be big enough to also cover related labor, equipment, rental, marketing/advertising, research and development and a lot of other costs in selling the products.
Scintilla Commercial & Credit (BOM:538857) has a Gross Margin % of 77.70% as of Mar. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on Scintilla Commercial & Credit and its competitors. This is near median its historical median of 78.51. Over the past decade, Scintilla Commercial & Credit's Gross Margin % has ranged from 19.97 to 86.00. According to the industry distribution chart, Scintilla Commercial & Credit ranks #69 out of 390 companies in the Credit Services industry, placing it in the top 17.7%.
Is Scintilla Commercial & Credit's Gross Margin % too high?
Scintilla Commercial & Credit's current Gross Margin % of 77.70% is near median its 10-year median of 78.51. Over the past 10 years, this metric has ranged from a low of 19.97 to a high of 86.00. The Credit Services industry median Gross Margin % is 51.16. Scintilla Commercial & Credit's value of 77.70% is 51.9% above this industry median. Based on the distribution chart, Scintilla Commercial & Credit ranks #69 out of 390 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Scintilla Commercial & Credit has a GF Score™ of 38/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Scintilla Commercial & Credit's Gross Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Scintilla Commercial & Credit ranks #69 out of 390 companies for Gross Margin %. This places Scintilla Commercial & Credit in the top 18% of its industry — outperforming the majority of peers. The industry median Gross Margin % is 51.16. Scintilla Commercial & Credit's value of 77.70% is 51.9% above this benchmark. Historically, Scintilla Commercial & Credit's own Gross Margin % has ranged from 19.97 to 86.00 over the past decade. While the company's 10-year median is 78.51 vs. the industry median of 51.16, Scintilla Commercial & Credit has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Gross Margin % for a Credit Services company?
The median Gross Margin % among Credit Services companies is 51.16, based on 390 companies in the industry. Companies in the top quartile (top 25%) have a Gross Margin % significantly above this median, while those in the bottom quartile fall well below. However, Gross Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Scintilla Commercial & Credit's current Gross Margin % of 77.70% is 51.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Gross Margin % mean?
A high Gross Margin % can signal that a stock is expensive relative to its fundamentals. Gross margin is the ratio of total gross profit to net sales. View historical data on Scintilla Commercial & Credit and its competitors. For the Credit Services industry, the median Gross Margin % is 51.16 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Scintilla Commercial & Credit's current Gross Margin % is 77.70%, which is near median its own 10-year median of 78.51. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Scintilla Commercial & Credit stock overvalued right now?
Based on GuruFocus' analysis, Scintilla Commercial & Credit (BOM:538857) is currently considered Significantly Overvalued. The stock's GF Value™ is ₹5.67, compared to a current price of ₹12.20 — trading 115.2% above its estimated fair value. The current Gross Margin % is 77.70%, which is near median its 10-year median of 78.51 and 51.9% above the Credit Services industry median of 51.16. Scintilla Commercial & Credit's overall GF Score™ is 38/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Gross Margin % calculated?
Gross Margin % is calculated from a company's financial statements. For Scintilla Commercial & Credit (BOM:538857), the current Gross Margin % is 77.70% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Scintilla Commercial & Credit (BOM:538857) Overvalued in 2026?
Based on GuruFocus' analysis, Scintilla Commercial & Credit stock appears to be overvalued.
The current stock price of ₹12.20 is trading 115.2% above its estimated GF Value™ of ₹5.67.
GuruFocus considers Scintilla Commercial & Credit to be Significantly Overvalued.
Key valuation signals for BOM:538857:
Gross Margin %: 77.70% (near median its 10-year median of 78.51)
GF Value™: ₹5.67 vs. price of ₹12.20 (115.2% above fair value)
Industry Position: 51.9% above the Credit Services median (#69 of 390)
No single metric tells the full story. See the BOM:538857 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Scintilla Commercial & Credit Ltd is a non-banking financial company. The company is engaged in the business of providing loans and advances and investment in shares of other companies. The company generates revenue from Interest income.
38GF Score
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