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 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
| 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
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 | |
|---|---|---|---|---|
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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