Billionbrains Garage Ventures Ltd.

•

groww.inBSE: 544603NSE: GROWW

Market Cap₹ 1,25,597 Cr.

Current Price

High / Low₹ 227 / 112

Stock P/E51.5

Book Value₹ 16

Price to Book9.94

Dividend Yield0.00 %

ROCE37.5 %

ROE29.7 %

Face Value₹ 2

Add ratio to table

ABOUT

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence

84%

View full sector analysis →

PROS

Company is almost debt free
Company has a healthy return on capital (ROCE) of 26.5%
Operating margins have improved to 58.7% from 45.4%
Company comfortably covers its interest (62.4x coverage)
Attractively priced for its growth - PEG of 0.8

CONS

Operating cash flow has been negative in recent years
Receivables are growing faster than sales - a possible quality concern
Poor cash conversion - profits are not backed by operating cash flow (CFO/PAT -0.03x)
Equity base is being diluted - shares outstanding up 5939.4%
Free cash flow has been persistently negative
Stock is trading at 9.9x its book value

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesITFintech

Part ofNIFTYLARGEMIDCAP250 NIFTYMIDCAP150 NIFTY MIDCAP 100 NIFTY MIDCAP 150 NIFTY TOTAL MKT

S.No.	Name
1.	GROWW	200.20	51.48	125597.40	0.00	7350.40	—	15014.20	1560.13	37.54	64.60
2.	PAYTM	1806.25	178.29	115890.41	0.00	220.00	79.59	2448.00	27.67	3.87	8.29
3.	POLICYBZR	1795.75	111.06	83098.83	0.00	1629.10	1824.51	18882.80	1300.81	10.84	7.24
4.	PINELABS	202.35	183.43	23348.32	0.00	195.70	3985.59	7369.20	1096.47	4.21	12.88
5.	STYL	386.25	23.69	6249.75	0.65	60.34	63.78	376.47	21.10	28.03	23.21
6.	CCAVENUE	16.31	19.40	5702.66	0.00	84.77	45.08	2680.40	109.37	7.98	3.80
7.	TURTLEMINT	136.25	0.00	4012.28	0.00	-377.80	—	2940.80	—	-38.38	-11.20
8.	MOBIKWIK	209.55	0.00	1650.14	0.00	7.62	118.17	281.48	3.73	8.02	2.88
9.	SUVIDHAA	2.26	0.00	47.42	0.00	-1.91	55.58	2.40	135.29	-32.85	-70.42

Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	1,125	975	801	904	1,019	1,216	1,505	15,014
	575	-40	413	421	415	496	567	5,557
Operating Profit	550	1,015	388	483	604	720	939	9,457
OPM %	48.91%	104.15%	48.47%	53.44%	59.29%	59.25%	62.35%	62.99%
	35	30	49	44	52	45	30	472
Interest	9	16	16	16	11	10	8	73
Depreciation	6	7	7	7	7	9	24	176
Profit before Tax	570	1,022	414	504	638	746	936	9,923
Tax %	26.27%	25.87%	25.26%	24.78%	26.06%	26.55%	26.63%	25.92%
Net Profit	0	0	0	0	471	547	686	7,350
	0.78	1.38	0.57	0.66	0.79	0.89	1.11	1.19

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	1,142	2,609	3,902	4,645	5,242
	743	2,044	1,529	1,917	2,033
Operating Profit	399	565	2,372	2,728	3,209
OPM %	34.93%	21.67%	60.80%	58.73%	61.22%
	119	-1,153	160	190	174
Interest	2	4	43	46	37
Depreciation	12	20	25	48	58
Profit before Tax	504	-618	2,464	2,821	3,312
Tax %	9.15%	-30.23%	25.95%	26.17%	26.29%
Net Profit	458	-805	1,824	2,083	2,442
EPS	0.79	-388.24	9.98	3.34	—
Dividend Payout %	0.00%	0.00%	0.00%	0.00%	—

COMPOUNDED SALES GROWTH

10 Years:: —
5 Years:: —
3 Years:: 60%

COMPOUNDED PROFIT GROWTH

10 Years:: —
5 Years:: —
3 Years:: 66%

STOCK PRICE CAGR

10 Years:: —
5 Years:: —
3 Years:: —
1 Year:: —

RETURN ON EQUITY

10 Years:: —
5 Years:: —
3 Years:: 18%
Last Year:: 30%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	21	21	366	1,248
	3,115	2,317	4,244	8,170
	20	37	553	285
Trade Payables	1,373	3,916	4,562	8,057
	278	1,683	336	741
Total Liabilities	4,807	7,974	10,061	18,501
	321	396	402	1,492
	1,252	1,448	1,907	2,638
	0	69	97	277
Cash & Bank	1,661	3,682	4,256	8,339
	1,574	2,378	3,400	5,755
Total Assets	4,807	7,974	10,061	18,501

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	597	885	-962	-21
Cash from Investing	-371	-911	140	-1,351
Cash from Financing	-5	4	876	2,175
	172	-22	53	804

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2023	Mar 2024	Mar 2025	Mar 2026

Shareholding Pattern

Numbers in percentages

	Nov 2025	Dec 2025	Mar 2026	Jun 2026
	27.81	27.81	27.38	27.14
	57.14	3.13	2.51	6.89
	3.88	4.92	5.92	10.08
Government	0.00	0.00	0.00	0.00
	11.17	64.13	64.19	55.89

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-08

ESOP/ESOS/ESPS

2026-09-08 - Billionbrains Garage Ventures Limited has informed the Exchange regarding Grant of 325014 Options under Billionbrains Garage Ventures Limited Employee Stock Option Scheme 2024.

2026-08-28

ESOP/ESOS/ESPS

2026-08-28 - Billionbrains Garage Ventures Limited has informed the Exchange regarding Grant of 392613 Options under Billionbrains Garage Ventures Limited Employee Stock Options Scheme 2024.

2026-08-24

Shareholders meeting

2026-08-24 - Billionbrains Garage Ventures Limited has informed the Exchange regarding Proceedings of Annual General Meeting held on August 24, 2026. Further, the company has submitted the Exchange a copy of Srutinizers report along with voting results.

2026-08-13

ESOP/ESOS/ESPS

2026-08-13 - Billionbrains Garage Ventures Limited has informed the Exchange regarding Grant of 149874 Options under Billionbrains Garage Ventures Limited Employee Stock Option Scheme 2024.

2026-08-04

Sale or disposal

2026-08-04 - Billionbrains Garage Ventures Limited has informed the Exchange about the update on proposed investment by State Street Global Advisors, Inc. in Groww Asset Management Limited (Subsidiary) is annexed herewith.

2026-07-31

Copy of Newspaper Publication

2026-07-31 - Billionbrains Garage Ventures Limited has informed the Exchange about Newspaper Advertisement regarding 8th Annual General Meeting ( AGM ) of the Company and e-voting information.

2026-07-30

Credit Rating

2026-07-30 - Billionbrains Garage Ventures Limited has informed the Exchange about Credit Rating

2026-07-30

Shareholders meeting

2026-07-30 - Billionbrains Garage Ventures Limited has informed the Exchange regarding Notice of Annual General Meeting to be held on August 24, 2026.

2026-07-30

Copy of Newspaper Publication

2026-07-30 - Billionbrains Garage Ventures Limited has informed the Exchange about Newspaper Publication of Public Notice regarding 8th Annual General Meeting ( AGM ) of the Company to be held through Video Conferencing ( VC )/ Other Audio Visual Means ( OAVM ) before dispatch of Notice of the AGM.

News

Recent coverage and analyst commentary for GROWW

Loading news…

🤖

AI Stock Analyst

Billionbrains Garage Ventures Ltd.

🔒

Sign in to Chat with AI

✨ Sign In to Chat

Free 5nance Account

Name

GROWW

200.20

51.48

125597.40

0.00

7350.40

—

15014.20

1560.13

37.54

64.60

PAYTM

1806.25

178.29

115890.41

0.00

220.00

79.59

2448.00

27.67

3.87

8.29

POLICYBZR

1795.75

111.06

83098.83

0.00

1629.10

1824.51

18882.80

1300.81

10.84

7.24

PINELABS

202.35

183.43

23348.32

0.00

195.70

3985.59

7369.20

1096.47

4.21

12.88

STYL

386.25

23.69

6249.75

0.65

60.34

63.78

376.47

21.10

28.03

23.21

CCAVENUE

16.31

19.40

5702.66

0.00

84.77

45.08

2680.40

109.37

7.98

3.80

TURTLEMINT

136.25

0.00

4012.28

0.00

-377.80

—

2940.80

—

-38.38

-11.20

MOBIKWIK

209.55

0.00

1650.14

0.00

7.62

118.17

281.48

3.73

8.02

2.88

SUVIDHAA

2.26

0.00

47.42

0.00

-1.91

55.58

2.40

135.29

-32.85

-70.42

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

1,125

975

801

904

1,019

1,216

1,505

15,014

575

-40

413

421

415

496

567

5,557

Operating Profit

550

1,015

388

483

604

720

939

9,457

OPM %

48.91%

104.15%

48.47%

53.44%

59.29%

59.25%

62.35%

62.99%

472

Interest

Depreciation

176

Profit before Tax

570

1,022

414

504

638

746

936

9,923

Tax %

26.27%

25.87%

25.26%

24.78%

26.06%

26.55%

26.63%

25.92%

Net Profit

471

547

686

7,350

0.78

1.38

0.57

0.66

0.79

0.89

1.11

1.19

Mar 2023

Mar 2024

Mar 2025

Mar 2026

TTM

1,142

2,609

3,902

4,645

5,242

743

2,044

1,529

1,917

2,033

Operating Profit

399

565

2,372

2,728

3,209

OPM %

34.93%

21.67%

60.80%

58.73%

61.22%

119

-1,153

160

190

174

Interest

Depreciation

Profit before Tax

504

-618

2,464

2,821

3,312

Tax %

9.15%

-30.23%

25.95%

26.17%

26.29%

Net Profit

458

-805

1,824

2,083

2,442

EPS

0.79

-388.24

9.98

3.34

—

Dividend Payout %

0.00%

—

Mar 2023

Mar 2024

Mar 2025

Mar 2026

366

1,248

3,115

2,317

4,244

8,170

553

285

Trade Payables

1,373

3,916

4,562

8,057

278

1,683

336

741

Total Liabilities

4,807

7,974

10,061

18,501

321

396

402

1,492

1,252

1,448

1,907

2,638

277

Cash & Bank

1,661

3,682

4,256

8,339

1,574

2,378

3,400

5,755

Total Assets

4,807

7,974

10,061

18,501

Mar 2023

Mar 2024

Mar 2025

Mar 2026

597

885

-962

-21

Cash from Investing

-371

-911

140

-1,351

Cash from Financing

-5

876

2,175

172

-22

804

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Nov 2025

Dec 2025

Mar 2026

Jun 2026

27.81

27.38

27.14

57.14

3.13

2.51

6.89

3.88

4.92

5.92

10.08

Government

0.00

11.17

64.13

64.19

55.89

Billionbrains Garage Ventures Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI

Billionbrains Garage Ventures Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI