Billionbrains Garage Ventures Ltd.
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ABOUT
AI Sector View
AI GENERATEDFinancial Services
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.
PROS
- Company is almost debt free
- Company has a healthy return on capital (ROCE) of 21.3%
- Latest quarter profit grew 81.5% YoY, showing strong momentum
- Operating margins have improved to 63.3% from 48.7%
- Strong cash generation - operating cash flow backs reported profits (CFO/PAT 1.09x)
CONS
- Equity base is being diluted - shares outstanding up 5939.7%
- Free cash flow has been persistently negative
- Working capital days have increased from 227 to 411 days
- Stock is trading at 11.5x its book value
- Rich enterprise valuation - EV/EBITDA of 42.0x
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| 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 |
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
| Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|
| 802 | 676 | 544 | 623 | 688 | 785 | 963 | 9,535 | |
| 390 | -201 | 253 | 266 | 265 | 280 | 312 | 3,100 | |
| Operating Profit | 412 | 876 | 291 | 357 | 423 | 505 | 651 | 6,435 |
| OPM % | 51.38% | 129.70% | 53.51% | 57.31% | 61.46% | 64.29% | 67.61% | 67.49% |
| 35 | 35 | 43 | 41 | 68 | 76 | 88 | 1,002 | |
| Interest | 1 | 1 | 0 | 0 | 0 | 1 | 1 | 10 |
| Depreciation | 5 | 6 | 6 | 6 | 6 | 7 | 7 | 74 |
| Profit before Tax | 440 | 905 | 328 | 392 | 485 | 573 | 731 | 7,437 |
| Tax % | 25.14% | 25.17% | 23.53% | 22.00% | 27.01% | 25.24% | 25.92% | 25.35% |
| Net Profit | 330 | 677 | 251 | 306 | 354 | 428 | 541 | 5,551 |
| 0.62 | 1.24 | 0.46 | 0.53 | 0.59 | 0.70 | 0.88 | 0.90 |
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|
| 906 | 1,939 | 2,743 | 3,059 | 3,389 | |
| 580 | 1,703 | 900 | 1,123 | 1,167 | |
| Operating Profit | 326 | 237 | 1,842 | 1,936 | 2,222 |
| OPM % | 35.95% | 12.22% | 67.18% | 63.28% | 65.56% |
| 115 | -1,164 | 168 | 274 | 333 | |
| Interest | 2 | 3 | 2 | 3 | 3 |
| Depreciation | 12 | 18 | 21 | 26 | 27 |
| Profit before Tax | 427 | -947 | 1,987 | 2,181 | 2,533 |
| Tax % | 5.06% | -9.99% | 24.92% | 25.28% | 25.81% |
| Net Profit | 406 | -1,042 | 1,492 | 1,630 | 1,879 |
| EPS | 3.85 | -502.58 | 8.16 | 2.61 | — |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- 50%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- 59%
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
- 1 Year:
- —
RETURN ON EQUITY
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- 12%
- Last Year:
- 27%
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|
| 21 | 21 | 366 | 1,248 | |
| 2,843 | 1,811 | 3,404 | 6,878 | |
| 18 | 8 | 4 | 47 | |
| Trade Payables | 66 | 809 | 152 | 191 |
| 256 | 1,671 | 315 | 587 | |
| Total Liabilities | 3,205 | 4,319 | 4,241 | 8,950 |
| 41 | 29 | 31 | 64 | |
| 1,785 | 2,210 | 3,325 | 4,381 | |
| 0 | 692 | 285 | 324 | |
| Cash & Bank | 694 | 353 | 114 | 783 |
| 685 | 1,036 | 487 | 3,398 | |
| Total Assets | 3,205 | 4,319 | 4,241 | 8,950 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|
| 374 | 503 | -23 | 1,779 | |
| Cash from Investing | -255 | -604 | -330 | -3,960 |
| Cash from Financing | -5 | 12 | 395 | 2,594 |
| 91 | -89 | 41 | 414 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
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 - 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 - 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 - 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 - 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 - 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 - Billionbrains Garage Ventures Limited has informed the Exchange about Credit Rating
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 - 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
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