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Scintilla Commercial & CreditBOM:538857 48 Return-on-Tangible-Asset is 0.37% as of Jun. 2026, which is 517% above its 10-year median of 0.06. 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 554 Credit Services companies, Scintilla Commercial & Credit ranks worse than 80.69% on this metric.
The historical rank and industry rank for Scintilla Commercial & Credit's Return-on-Tangible-Asset or its related term are showing as below:
BOM:538857'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -1.75 Med: 0.06 Max: 0.52
Current: -1.7
During the past 13 years, Scintilla Commercial & Credit's highest Return-on-Tangible-Asset was 0.52%. The lowest was -1.75%. And the median was 0.06%.
BOM:538857's Return-on-Tangible-Asset is ranked worse than 80.69% of 554
companies
in the Credit Services industry
Industry Median: 2.015
vs BOM:538857: -1.70
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Scintilla Commercial & Credit Return-on-Tangible-Asset Related Terms
Scintilla Commercial & Credit Return-on-Tangible-Asset 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: Return-on-Tangible-Asset Comparison
For the Credit Services subindustry, Scintilla Commercial & Credit's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Scintilla Commercial & Credit's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Scintilla Commercial & Credit's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is one times the annual (Jun. 2026) net income data.
What does a Return-on-Tangible-Asset of 0.37% mean?
Scintilla Commercial & Credit (BOM:538857) has a Return-on-Tangible-Asset of 0.37% as of Jun. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Scintilla Commercial & Credit and its competitors. This is 517% above median its historical median of 0.06. According to the industry distribution chart, Scintilla Commercial & Credit ranks #447 out of 554 companies in the Credit Services industry, placing it in the top 80.7%.
Is Scintilla Commercial & Credit's Return-on-Tangible-Asset too high?
Scintilla Commercial & Credit's current Return-on-Tangible-Asset of 0.37% is 517% above median its 10-year median of 0.06. The Credit Services industry median Return-on-Tangible-Asset is 2.02. Scintilla Commercial & Credit's value of 0.37% is 81.6% below this industry median. Based on the distribution chart, Scintilla Commercial & Credit ranks #447 out of 554 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 Return-on-Tangible-Asset compare to V and MA?
According to the Credit Services industry distribution chart, Scintilla Commercial & Credit ranks #447 out of 554 companies for Return-on-Tangible-Asset. This places Scintilla Commercial & Credit in the lower half of its industry. The industry median Return-on-Tangible-Asset is 2.02. Scintilla Commercial & Credit's value of 0.37% is 81.6% below this benchmark. While the company's 10-year median is 0.06 vs. the industry median of 2.02, Scintilla Commercial & Credit has consistently been below 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 Return-on-Tangible-Asset for a Credit Services company?
The median Return-on-Tangible-Asset among Credit Services companies is 2.02, based on 554 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Scintilla Commercial & Credit's current Return-on-Tangible-Asset of 0.37% is 81.6% below 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Scintilla Commercial & Credit and its competitors. For the Credit Services industry, the median Return-on-Tangible-Asset is 2.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Scintilla Commercial & Credit's current Return-on-Tangible-Asset is 0.37%, which is 517% above median its own 10-year median of 0.06. 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 Return-on-Tangible-Asset is 0.37%, which is 517% above median its 10-year median of 0.06 and 81.6% below the Credit Services industry median of 2.02. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Scintilla Commercial & Credit (BOM:538857), the current Return-on-Tangible-Asset is 0.37% 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:
Return-on-Tangible-Asset: 0.37% (517% above median its 10-year median of 0.06)
GF Value™: ₹5.59 vs. price of ₹9.90 (77.1% above fair value)
Industry Position: 81.6% below the Credit Services median (#447 of 554)
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
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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