Billionbrains Garage Ventures

GROWW · NSE

— · —

₹194.37

Closing price — 31 Jul 2026

Market cap ₹1,21,940 Cr · EPS ₹0.74

Valuation

Blended fair value using DCF and peer comparison methods.

Intrinsic Value

₹103

-47.1% vs ₹194

Overvalued

UndervaluedFair valueOvervalued

DCF

—

Peer methods

₹103

Intrinsic value

₹103

DCF discounts future cash flows to present value. Peer methods compare against sector multiples. Averaging both reduces the limitations of each method alone.

DCF not applicable for financial companies. Intrinsic value based on peer P/B comparison.

The intrinsic value shown is an algorithmic estimate based on publicly available financial data — including DCF analysis, peer comparison, and historical financials. It is not a research report, investment advice, or a recommendation to buy, sell, or hold any security. Stock valuations involve uncertainty and may differ significantly from market prices. Please consult a SEBI-registered investment adviser before making any investment decision.

Peer comparison

How this company stacks up against sector peers on valuation and quality metrics.

Financial Services · 8 peers · sector medians shown

Better than medianWorse than median

Company	Mkt Cap	P/E	P/B	EV/EBITDA	ROE	Net Margin	Rev CAGR 3y
Billionbrains Garage Ventures GROWW · you	₹1.2 L Cr	55.6×	12.1×	44.4×	21.6%	44.8%	59.4%
Sector median	—	27.7×	3.2×	32.0×	13.9%	19.0%	26.8%
Bajaj Finserv BAJAJFINSV	₹2.8 L Cr	28.0×	3.5×	—	12.6%	6.5%	21.6%
Shriram Finance SHRIRAMFIN	₹2.2 L Cr	17.2×	2.6×	—	15.2%	21.0%	16.5%
BSE BSE	₹1.6 L Cr	64.3×	23.7×	47.4×	37.4%	48.7%	78.4%
Jio Financial Services JIOFIN	₹1.5 L Cr	95.2×	1.1×	109.3×	1.2%	56.4%	305.1%
Power Finance Corporation PFC	₹1.4 L Cr	5.5×	1.1×	10.0×	19.5%	22.4%	14.1%
Tata Capital TATACAP	₹1.4 L Cr	27.4×	3.0×	16.5×	10.6%	15.8%	32.0%
Cholamandalam Finance CHOLAFIN	₹1.3 L Cr	24.6×	4.2×	54.4×	17.2%	17.1%	33.3%
HDFC Life Insurance HDFCLIFE	₹1.3 L Cr	64.7×	7.0×	—	10.8%	1.9%	11.7%

Peer comparison verdict

Billionbrains trades at a premium to peers (P/E 55.6× vs median 27.7×), but its higher ROE of 21.6% (sector 13.9%) justifies much of that premium — quality rarely comes cheap.

Business quality

Valuation

P/E ratio

55.6×

P/B ratio

—

EV/EBITDA

—

Price/Sales

—

Returns

ROE

21.6%

ROCE

27.6%

ROA

—

Growth

Revenue CAGR (3yr)

59.4%

EPS CAGR (3yr)

65.7%

Efficiency

Asset turnover

—

FCF yield

-0.0%

Dividend yield

—

Liquidity & Solvency

Debt / Equity

0.00×

Debt / EBITDA

—

Interest coverage

55.7×

Current ratio

1.64×

Quick ratio

—

Financial health

Piotroski F-Score, Altman Z-Score, and key solvency ratios.

Is the business financially healthy?

Two structured frameworks that go beyond a single number to assess financial strength.

Altman Z-Score

Predicts likelihood of financial distress. Above 2.99 = safe zone; 1.81–2.99 = grey zone; below 1.81 = distress.

9.36

Safe zone

0 (distress)2.99 (safe)5+

Piotroski F-Score

3 / 9 — Weak

Nine binary checks across profitability, leverage/liquidity, and operating efficiency. 7+ = financially strong; 4–6 = average; 0–3 = weak signals.

Profitability (1–4)

Leverage (5–7)

Efficiency (8–9)

Positive net income

Positive operating cash flow

Improving return on assets

Cash flow exceeds net income

Debt ratio reduced

Improving current ratio

No equity dilution

Improving gross margin

Improving asset turnover

Calculated from annual report data sourced via BSE/NSE filings. For precise figures refer to BSE/NSE filings.

Full financial data

Charts and annual statements for income, balance sheet and cash flow.

Income trend

Revenue, profit and margin trends over time.

Revenue

Net profit

Operating margin

Net margin

Revenue

₹4,645 Cr

Net profit

₹2,083 Cr

Operating margin

—

Net margin

44.8%

Revenue and net profit in ₹ Crores (left axis). Margins % on right axis.

Cash flow

Where cash comes from and where it goes.

Operating CFInvesting CFFinancing CFFree cash flow

Operating CF — Cash earned from running the business. The core engine of financial health.

Investing CF — Cash spent on assets and equipment. Negative is normal — it means the company is investing in growth.

Financing CF — Cash from borrowing or repaying loans and dividends. Negative means debt is being repaid.

Free cash flow — Operating CF minus capex. Cash left after keeping the business running. Positive and growing is ideal.

Operating CF

-₹20.41 Cr

Investing CF

₹0 Cr

Financing CF

₹0 Cr

Free cash flow

-₹32.49 Cr

Balance sheet

Assets show what the company owns. Liabilities show what it owes. Equity is what's left for shareholders.

How the company is funded — equity is owners' money, debt is long-term borrowing, current liabilities are short-term obligations.

Equity

Debt

Current liabilities

Total assets

—

Total debt

₹15 Cr

Equity

₹9,651 Cr

Debt / Equity

0.00×

Numbers are illustrative — order-of-magnitude correct. For precise figures, refer to the company's annual report on BSE/NSE.

Shareholding pattern

Who owns this company and how that has changed.

What shareholding tells you: When promoters (founders/controlling shareholders) increase their stake, it usually signals confidence in the business. Rising FII (foreign funds) interest means international money is moving in. High promoter pledge is a risk — pledged shares can be force-sold if the stock price falls sharply.

Latest quarter

Promoter

27.4%

-0.4 pp QoQ

FII

2.5%

-0.6 pp QoQ

DII

5.9%

+1.0 pp QoQ

Retail

62.9%

Trend over time (%)

Quarterly data

Category	Dec 2025	Mar 2026	Change (YoY)
Promoter	27.8%	27.4%	-0.4 ppvs oldest
FII (Foreign)	3.1%	2.5%	-0.6 ppvs oldest
DII (Domestic)	4.9%	5.9%	+1.0 ppvs oldest
Retail	64.1%	62.9%	-1.2 ppvs oldest

Signals from the trend

➡️

PromoterStable — no notable buying or selling

📉

FIINet sellers (0.6pp) — foreign institutional interest is declining

📈

DIINet buyers (+1pp) — domestic funds are accumulating

Mixed signals — DII buying on the positive side, but FII outflows adds uncertainty.

pp = percentage points. FII = Foreign Institutional Investors. DII = Domestic Institutional Investors (MFs, insurance). Data sourced from NSE/BSE filings. Verify on BSE/NSE before any investment decision.