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Scintilla Commercial & CreditBOM:538857 48 Interest Coverage is No Debt (1) as of Jun. 2026, which is 100% below its 10-year median of 353.50. GuruFocus rates BOM:538857 with a GF Score™ of 48/100 and a GF Value™ of ₹5.59 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 157 Credit Services companies, Scintilla Commercial & Credit ranks worse than 636942.04% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
Operating Income
by its Interest Expense. Scintilla Commercial & Credit's
Operating Income
for the
six
months ended in Jun. 2026 was ₹0.62 Mil. Scintilla Commercial & Credit's Interest Expense for the
six
months ended in Jun. 2026 was ₹0.00 Mil.
Scintilla Commercial & Credit has no debt.
The higher the ratio, the stronger the company's financial strength is.
(1) Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
The historical rank and industry rank for Scintilla Commercial & Credit's Interest Coverage or its related term are showing as below:
BOM:538857's Interest Coverage is not ranked *
in the Credit Services industry.
Industry Median: 50.67 * Ranked among companies with meaningful Interest Coverage only.
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Scintilla Commercial & Credit Interest Coverage Related Terms
Scintilla Commercial & Credit Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
BOM:538857 vs V, MA, AXP: Interest Coverage Comparison
For the Credit Services subindustry, Scintilla Commercial & Credit's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Scintilla Commercial & Credit's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Scintilla Commercial & Credit's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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.
What does a Interest Coverage of No Debt <sup>(1)</sup> mean?
Scintilla Commercial & Credit (BOM:538857) has a Interest Coverage of No Debt (1) as of Jun. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Scintilla Commercial & Credit and its competitors. This is 100% below median its historical median of 353.50. Over the past decade, Scintilla Commercial & Credit's Interest Coverage has ranged from 1.00 to 1,568.00. According to the industry distribution chart, Scintilla Commercial & Credit ranks #999999 out of 157 companies in the Credit Services industry.
Is Scintilla Commercial & Credit's Interest Coverage too high?
Scintilla Commercial & Credit's current Interest Coverage of No Debt (1) is 100% below median its 10-year median of 353.50. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 1,568.00. Based on the distribution chart, Scintilla Commercial & Credit ranks #999999 out of 157 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Scintilla Commercial & Credit has a GF Score™ of 48/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Scintilla Commercial & Credit's Interest Coverage compare to V and MA?
According to the Credit Services industry distribution chart, Scintilla Commercial & Credit ranks #999999 out of 157 companies for Interest Coverage. This places Scintilla Commercial & Credit in the lower half of its industry. The industry median Interest Coverage is 50.67. Historically, Scintilla Commercial & Credit's own Interest Coverage has ranged from 1.00 to 1,568.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Interest Coverage for a Credit Services company?
The median Interest Coverage among Credit Services companies is 50.67, based on 157 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Scintilla Commercial & Credit and its competitors. For the Credit Services industry, the median Interest Coverage is 50.67 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Scintilla Commercial & Credit's current Interest Coverage is No Debt (1), which is 100% below median its own 10-year median of 353.50. 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 ₹5.59, compared to a current price of ₹9.90 — trading 77.1% above its estimated fair value. The current Interest Coverage is No Debt (1), which is 100% below median its 10-year median of 353.50. Scintilla Commercial & Credit's overall GF Score™ is 48/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Scintilla Commercial & Credit (BOM:538857), the current Interest Coverage is No Debt (1) as of Jun. 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 ₹9.90 is trading 77.1% above its estimated GF Value™ of ₹5.59.
GuruFocus considers Scintilla Commercial & Credit to be Significantly Overvalued.
Key valuation signals for BOM:538857:
Interest Coverage: No Debt (1) (100% below median its 10-year median of 353.50)
GF Value™: ₹5.59 vs. price of ₹9.90 (77.1% above fair value)
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.
48GF Score
Get the complete analysis for BOM:538857
Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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