Billionbrains Garage Ventures Ltd.
NSE: GROWWBillionbrains Garage Ventures Ltd.: A 30-second snapshot
Billionbrains Garage Ventures (Groww) trades at Rs 194.37, 14.45% below its 52-week high and modestly below its 50-day moving average (Rs 198.03), having declined 7.8% over the past three months. The company reports rapid growth (65.2% 5-year revenue growth, 85.7% 5-year earnings growth) and a 45.35% profit margin, but has recorded zero FCF-positive years in its available fiscal history and carries a short multi-year track record given its relatively recent stock-market listing. Trailing PE stands at 49.33x, compressing to 30.45x on forward estimates.
P/E
49.3
Forward P/E
30.5
ROE
—
Debt / Equity
3.03
Profit Margin
+45.4%
Div. Yield
—
5Y ROE > 15%
1/5
5Y FCF > 0
0/5
Quality
59/100
News
8 headlines · 4 positive · 2 negative
Groww snaps two-day rally after Q1 results, falls nearly 2%: Should you buy, sell or hold? - Moneycontrol.com
Moneycontrol.com
Groww shares can go up to ₹250 after Q1 results, say at least three analysts - CNBC TV18
CNBC TV18
Groww is outgrowing discount broking. Current valuations to punish execution missteps - livemint.com
livemint.com
Groww Shares Fall After Q1 Results Despite Citi Raising Target Price — Here's Why - NDTV Profit
NDTV Profit
Groww share price target: Broking revenue improves, MTF surge continues, says MOFSL - Business Today
Business Today
Recent context
- ·Shares fell nearly 2% after a two-day rally following Q1 results (Moneycontrol, Jul 16).
- ·Citi raised its price target on the stock even as shares declined post-results (NDTV Profit, Jul 16).
- ·Motilal Oswal cited improving broking revenue and continued growth in margin trading facility (MTF) balances after Q1, while a separate Livemint analysis noted current valuations leave limited room for execution missteps as the company expands beyond discount broking (Business Today / Livemint, Jul 16).
Strengths
- +5-year revenue growth of 65.2% and 5-year earnings growth of 85.7%, alongside a 45.35% profit margin.
- +Debt-to-equity of roughly 0.03x (raw reported metric 3.03, percent-scaled), indicating minimal reported balance-sheet leverage.
- +Mean analyst rating of 1.33 across 10 analysts (1-5 scale, lower = more constructive).
- +Forward PE of 30.45x is materially below the trailing PE of 49.33x, implying analyst estimates embed continued earnings growth.
Weaknesses
- −Zero FCF-positive years recorded in the available fiscal history, and ROE above 15% in only 1 of the available years (consistency score 20/100) -- a short track record given GROWW's relatively recent public listing.
- −SMA-200, trailing ROE, 1-year price change, and dividend yield are all unavailable, constrained by the stock's short listed history (181 of the ~200 daily bars needed for a 200-day average).
- −Price is currently below its 50-day moving average (Rs 194.37 vs Rs 198.03), down 7.8% over three months, and sits 14.45% below its 52-week high.
- −Trailing PE of 49.33x is the second-highest in its assigned peer set; that peer set is classified under Banking even though GROWW's core business is retail broking/wealth-tech, so the comparison should be read cautiously.
Open questions
- ?How does the gap between reported profit margin (45.35%) and zero FCF-positive years reconcile -- does it reflect working-capital or lending-book growth, or a more structural feature of the business model?
- ?With ROE above 15% in only 1 of the available fiscal years and a consistency score of 20/100, does current profitability represent an early stage in a longer trend, or a still-short pattern given the recent public-listing history?
- ?How does a trailing PE of 49.33x (compressing to 30.45x forward) compare against the growth assumptions embedded in the 85.7% five-year earnings growth figure?
- ?Given GROWW is compared against a Banking peer set despite operating as a broking/wealth-tech platform, what would a peer set of other listed fintech/broking platforms show for relative valuation and quality score?
Peer comparison: Banking
Ranks 3 of 6 on quality| Symbol | Name | P/E | ROE | Quality |
|---|---|---|---|---|
| GROWW | Billionbrains Garage Ventures Ltd.You're viewing | 49.3 | — | 57 |
| Industry avg | across 5 peers | 31.7 | +13.1% | 48 |
| AXISBANK | Axis Bank Ltd. | 13.8 | +13.3% | 70 |
| HDFCBANK | HDFC Bank Ltd. | 16.3 | +13.8% | 66 |
| BAJFINANCE | Bajaj Finance Ltd. | 35.1 | — | 47 |
| HDFCLIFE | HDFC Life Insurance Company Ltd. | 59.9 | +10.8% | 33 |
| BAJAJFINSV | Bajaj Finserv Ltd. | 33.3 | +14.6% | 23 |
Technical state
Current price
₹194.37
SMA 50
₹198.03
SMA 200
—
RSI (14)
43.6 (neutral)
From 52w high
-14.4%
1Y return
—
3M return
-7.8%
50-DMA
Below
200-DMA
Below
Algorithmic support levels
Algorithmic resistance levels
Risk flags
- mediumFCF-positive years recorded: 0 in the fiscal history available. ROE was above 15% in only 1 of the available years, and the persistence consistency score is 20/100. Given GROWW's relatively recent stock-market listing, this reflects a short operating track record rather than a multi-year deterioration -- profit margin (45.35%) and 5y earnings growth (85.7%) have not yet translated into a consistent FCF-positive or high-ROE pattern across available years.
- mediumSeveral metrics are unavailable or constrained by GROWW's short listed history: trailing ROE is not reported, SMA-200 cannot be computed (181 of the ~200 daily bars required are available), 1-year price change is not available, and dividend yield is not reported. Longer-term trend and multi-year persistence reads carry more uncertainty than for a stock with a longer trading history.
- lowPrice (Rs 194.37) sits below the 50-day moving average (Rs 198.03), down 7.8% over the past 3 months and 14.45% below the 52-week high. RSI is neutral at 43.64, with no oversold/overbought extreme.
- lowGROWW is grouped in a Banking peer set (AXISBANK, BAJAJFINSV, BAJFINANCE, HDFCBANK, HDFCLIFE) for comparison purposes, though its core business is retail broking/wealth-tech rather than banking. Its trailing PE of 49.33x is the second-highest in that set (peers range 13.84x-59.88x) and its quality score (57) ranks 3rd of 6 -- these comparisons should be read with the business-model mismatch in mind.
Cross-section contradictions
- 5-year earnings growth of 85.7% and a 45.35% profit margin reflect strong reported/accrual profitability, but FCF-positive years recorded = 0 in the available fiscal history -- a divergence between accrual earnings and cash conversion that the income-statement metrics alone do not explain.
- Mean analyst rating of 1.33 across 10 analysts (1-5 scale, lower = more constructive) sits toward the constructive end of the scale, while the company's own persistence data shows ROE above 15% in only 1 of the available years and a consistency score of 20/100 -- sell-side positioning and the multi-year track record point in different directions.
For informational purposes only. Not investment advice. VivaTrades is not a SEBI-registered Investment Adviser or Research Analyst. Market data sourced from public feeds; consult a registered adviser before any investment decision.
Fundamentals & technicals: refreshed 11 Aug 2026 · refreshed daily at 01:00 IST
AI synthesis (narrative, snapshot, strengths/weaknesses, peer ranking): generated 1 Aug 2026 · rotates through NIFTY 500 every ~5 days