Billionbrains Garage Ventures Ltd.

•

groww.inBSE: 544603NSE: GROWW

Market Cap₹ 1,25,597 Cr.

Current Price

High / Low₹ 227 / 112

Stock P/E66.8

Book Value₹ 14

Price to Book11.53

Dividend Yield0.00 %

ROCE35.3 %

ROE27.4 %

Face Value₹ 2

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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 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

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

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

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

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Billionbrains Garage Ventures Ltd.

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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

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%

1,002

Interest

Depreciation

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

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

Depreciation

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%

—

Mar 2023

Mar 2024

Mar 2025

Mar 2026

366

1,248

2,843

1,811

3,404

6,878

Trade Payables

809

152

191

256

1,671

315

587

Total Liabilities

3,205

4,319

4,241

8,950

1,785

2,210

3,325

4,381

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

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

395

2,594

-89

414

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