Scintilla Commercial & Credit Quarterly Results

Charts

YoY Net Sales (Quarterly)

Operating Margin

EPS Growth

POSITIVES

Strong revenue growth in the latest quarter indicates improved market demand and customer acquisition.
Net profit margin has shown consistent improvement, reflecting better operational efficiency.
Return on equity increased, highlighting effective use of shareholder funds compared to previous quarters.

NEGATIVES

Rising non-performing assets (NPAs) raise concerns about credit quality and risk management.
Declining interest income growth suggests potential challenges in earning stability.
Higher operational costs have negatively impacted profit margins compared to earlier quarters.

Field	Jun 22	Sep 22	Dec 22	Mar 23	Jun 23	Sep 23	Dec 23	Mar 24
Revenue	0.13	0.13	0.13	0.18	0.16	0.15	0.17	0.18
Expenses	0.02	0.02	0.02	0.01	0.02	0.01	0.01	0.01
Financing Profit	0.12	0.11	0.12	0.18	0.14	0.14	0.16	0.17
Other Income	0	0	0	0.01	0	0.05	-0.05	0
Depreciation	0	0	0	0	0	0	0	0
Profit Before Tax	0.01	0.06	0.07	-0.14	-0.06	0.14	0.06	-2.36
Tax	0	0.02	0.02	-0.03	-0.02	0.03	0.03	-0.06
Net Profit	0.01	0.04	0.06	-0.12	-0.05	0.12	0.04	-2.30
Gross Npa %	0	0	0	0	0	0	0	0
Net Npa %	0	0	0	0	0	0	0	0