Billionbrains Garage Ventures Ltd
Incorporated in 2017, Groww is a Bengaluru-based fintech company that provides retail investors direct-to-customer digital investment platform, providing multiple financial products and services.[1]
- Market Cap ₹ 1,20,811 Cr.
- Current Price ₹ 193
- High / Low ₹ 227 / 112
- Stock P/E 64.3
- Book Value ₹ 13.3
- Dividend Yield 0.00 %
- ROCE 35.1 %
- ROE 26.4 %
- Face Value ₹ 2.00
Pros
- Company has reduced debt.
- Company is almost debt free.
- Company is expected to give good quarter
- Company has a good return on equity (ROE) track record: 3 Years ROE 30.5%
- Debtor days have improved from 63.6 to 35.5 days.
Cons
- Stock is trading at 14.4 times its book value
- Though the company is reporting repeated profits, it is not paying out dividend
- Working capital days have increased from 57.3 days to 274 days
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
Peer comparison
Financial Services Financial Services Capital Markets Stockbroking & Allied
Part of BSE 500 BSE 200 BSE Dollex 200 Nifty 500 Nifty Midcap 100
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|
| 186 | 1,012 | 2,113 | 2,909 | 3,331 | 3,389 | |
| 424 | 580 | 1,703 | 900 | 1,123 | 1,159 | |
| Operating Profit | -238 | 432 | 411 | 2,008 | 2,208 | 2,230 |
| OPM % | -128% | 43% | 19% | 69% | 66% | 66% |
| 0 | 9 | -1,338 | 2 | 2 | 333 | |
| Interest | -0 | 2 | 3 | 2 | 3 | 3 |
| Depreciation | 3 | 12 | 18 | 21 | 26 | 27 |
| Profit before tax | -241 | 427 | -947 | 1,987 | 2,181 | 2,533 |
| Tax % | -0% | 5% | 10% | 25% | 25% | |
| -241 | 406 | -1,042 | 1,492 | 1,630 | 1,879 | |
| EPS in Rs | -2,157.83 | 59.55 | -153.01 | 8.16 | 2.60 | 3.02 |
| Dividend Payout % | -0% | -0% | -0% | -0% | -0% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | 49% |
| TTM: | 28% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | 59% |
| TTM: | 20% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| 1 Year: | % |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | 22% |
| 3 Years: | 30% |
| Last Year: | 26% |
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|
| Equity Capital | 0.11 | 21 | 21 | 366 | 1,248 |
| Reserves | 2,465 | 2,980 | 1,971 | 3,606 | 7,111 |
| -0 | 73 | 64 | 60 | 46 | |
| 139 | 131 | 2,299 | 210 | 548 | |
| Total Liabilities | 2,605 | 3,205 | 4,355 | 4,241 | 8,953 |
| 9 | 41 | 29 | 31 | 64 | |
| CWIP | -0 | -0 | -0 | -0 | -0 |
| Investments | 852 | 1,785 | 2,210 | 3,325 | 4,381 |
| 1,744 | 1,379 | 2,116 | 886 | 4,508 | |
| Total Assets | 2,605 | 3,205 | 4,355 | 4,241 | 8,953 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|
| -397 | 351 | 503 | -23 | 1,779 | |
| -1,482 | -211 | -600 | -330 | -3,960 | |
| 1,875 | -5 | 12 | 395 | 2,594 | |
| Net Cash Flow | -4 | 135 | -85 | 41 | 414 |
| Free Cash Flow | -405 | 340 | 498 | -37 | 1,770 |
| CFO/OP | 163% | 87% | 166% | 86% | 105% |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|
| Debtor Days | 277 | 106 | 119 | 36 | 35 |
| Inventory Days | |||||
| Days Payable | |||||
| Cash Conversion Cycle | 277 | 106 | 119 | 36 | 35 |
| Working Capital Days | 236 | 161 | -146 | 44 | 274 |
| ROCE % | 15% | 15% | 65% | 35% |
Insights
In beta| Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|
| Active Users Million |
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| NSE Active Clients Market Share % |
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| Total Customer Assets INR Million |
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| Equity Derivatives Market Share (Retail Premium ADTO) % |
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| MTF Book INR Million |
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| Stocks Market Share (Retail Cash ADTO) % |
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Extracted by Screener AI
Documents
Announcements
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Announcement under Regulation 30 (LODR)-Newspaper Publication
31 Jul - Newspaper Publication regarding 8th Annual General Meeting and e-voting information
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Announcement under Regulation 30 (LODR)-Newspaper Publication
31 Jul - Newspaper Publication regarding 8th Annual General Meeting and e-voting information
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Announcement under Regulation 30 (LODR)-Credit Rating
30 Jul - ICRA upgraded Groww issuer rating from AA- Stable to AA Stable on July 30, 2026.
- Reg. 34 (1) Annual Report. 30 Jul
- Notice Of The 8Th Annual General Meeting ('AGM') Along With Annual Report For FY 2025-26 30 Jul
Concalls
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Jul 2026Transcript PPT REC
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Apr 2026Transcript PPT REC
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Jan 2026Transcript PPT REC
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Nov 2025Transcript PPT REC
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Nov 2025TranscriptPPTREC
Business Overview[1]
Billionbrains Garage Ventures (Groww) is India’s largest digital investment platform by active users on the NSE as of June 2025. The company operates a direct-to-customer model offering a wide range of financial products, including stocks, derivatives, bonds, mutual funds, margin trading facilities, and personal loans. Its technology-first approach and intuitive app design have driven widespread adoption across India’s cities and rural markets.