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What is Scintilla Commercial & Credit Net Margin %?
Scintilla Commercial & CreditBOM:538857 -2.32%38 Net Margin % is 53.99% as of Mar. 2026, which is 6734% above its 10-year median of 0.79. 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 537 Credit Services companies, Scintilla Commercial & Credit ranks worse than 87.52% on this metric.
Scintilla Commercial & Credit (BOM:538857) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Scintilla Commercial & Credit Net Margin % Related Terms
Scintilla Commercial & Credit Net 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.
For the Credit Services subindustry, Scintilla Commercial & Credit's Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Scintilla Commercial & Credit's Net Margin % distribution charts can be found below:
* The bar in red indicates where Scintilla Commercial & Credit's Net 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.
Scintilla Commercial & Credit (BOM:538857) has a Net Margin % of 53.99% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Scintilla Commercial & Credit and its competitors. This is 6734% above median its historical median of 0.79. According to the industry distribution chart, Scintilla Commercial & Credit ranks #470 out of 537 companies in the Credit Services industry, placing it in the top 87.5%.
Is Scintilla Commercial & Credit's Net Margin % too high?
Scintilla Commercial & Credit's current Net Margin % of 53.99% is 6734% above median its 10-year median of 0.79. The Credit Services industry median Net Margin % is 15.07. Scintilla Commercial & Credit's value of 53.99% is 258.3% above this industry median. Based on the distribution chart, Scintilla Commercial & Credit ranks #470 out of 537 companies in the Credit Services industry, which is in the bottom quartile 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 Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Scintilla Commercial & Credit ranks #470 out of 537 companies for Net Margin %. This places Scintilla Commercial & Credit in the lower half of its industry. The industry median Net Margin % is 15.07. Scintilla Commercial & Credit's value of 53.99% is 258.3% above this benchmark. While the company's 10-year median is 0.79 vs. the industry median of 15.07, 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 Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 15.07, based on 537 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Scintilla Commercial & Credit's current Net Margin % of 53.99% is 258.3% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Scintilla Commercial & Credit and its competitors. For the Credit Services industry, the median Net Margin % is 15.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Scintilla Commercial & Credit's current Net Margin % is 53.99%, which is 6734% above median its own 10-year median of 0.79. 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 Net Margin % is 53.99%, which is 6734% above median its 10-year median of 0.79 and 258.3% above the Credit Services industry median of 15.07. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Scintilla Commercial & Credit (BOM:538857), the current Net Margin % is 53.99% 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:
Net Margin %: 53.99% (6734% above median its 10-year median of 0.79)
GF Value™: ₹5.67 vs. price of ₹12.20 (115.2% above fair value)
Industry Position: 258.3% above the Credit Services median (#470 of 537)
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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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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