Financial & Valuation Intelligence™
Billionbrains Garage Ventures Limited
NSE
GROWW
Sector: Financial Services· Stockbroking & AlliedCurrent Price
₹180.8
Market Cap
₹1.21 L Cr
AI Financial Summary
Billionbrains Garage Ventures Limited (GROWW) demonstrates aggressive top-line expansion within the financial services sector, supported by strong operating margins, though it faces volatility in bottom-line profitability and cash flow generation.
Business Performance (CAGR)
10 Years
Revenue
81.6%
PAT
113.3%
EPS
-23.0%
Book Value
-17.4%
Free Cash Flow
57.7%
Valuation Snapshot
P/E45.2
P/B9.8
EV/EBITDA41.1
P/S26
Div Yield—
Financial Health
Debt to Equity0.03
Interest Coverage62.4x
Current Ratio1.01
Cash & Investments₹10.98K Cr
Profitability Metrics
ROE
21.6%
ROCE
28.8%
ROA
11.3%
EBITDA Mgn
59.1%
Op Margin
61.7%
Net Margin
44.8%
Cash Flow Intelligence
Operating Cash Flow₹-21 Cr
Free Cash Flow₹-1.16K Cr
Cash Conversion-1.0%
FCF Margin-24.9%
Intrinsic Value
PremiumEstimated Intrinsic Value
████████
Current Price₹180.8
Margin of Safety██.██%
Estimated Intrinsic Value & DCF Fair Value are available with Premium plans.
AI Business Verdict
The company is a high-growth, high-valuation entity that requires consistent cash flow improvement to justify its long-term premium pricing.
- Extremely strong revenue growth trajectory.
- Conservative debt profile with minimal leverage.
- Strong operating margins exceeding 60%.
Balance Sheet
AI-Powered Analysis
Balance Sheet Strength™
80/100
Strong
Billionbrains Garage Ventures Limited shows a strong balance sheet with healthy liquidity, moderate leverage and steady equity compounding.
AI Confidence
92%
Stability
82
Flexibility
96
Strength Factors
Liquidity60
Leverage96
Working Capital82
Asset Quality90
Shareholder Strength54
Financial Stability82
Financial Flexibility™
96/100
Excellent
Capacity to fund growth, withstand downturns and return capital.
Total Assets
₹18.51K Cr
▼ 20.6% YoY
Total Liabilities
₹8.86K Cr
▼ 52.1% YoY
Shareholder Equity
₹9.65K Cr
▲ 100.6% YoY
Net Cash Position
+₹10.68K Cr
Excellent
Debt / Equity
0.03x
Very Low
Enterprise Value
₹1.10 L Cr
Capital Structure
Assets
₹18.51K Cr
Equity
₹9.65K Cr (52.1%)
Liabilities
₹8.86K Cr (47.9%)
Debt Intelligence™
Debt vs Cash Trend
Debt / Equity0.03x
Interest Coverage62.4x
Debt / EBITDA0.14x
Net Debt₹-10.68K Cr
Debt Trend (5Y)31.2%
Debt MaturityWell Staggered
Liquidity Intelligence™
Current Ratio1.01
Quick Ratio1.01
Cash Ratio0.94
Working Capital₹49 Cr
Operating Cash CoverageExcellent
Short-term LiquidityAdequate
Working Capital Intelligence™
CCC Trend
Receivable Days22
Inventory DaysNot Available
Payable DaysNot Available
Cash Conversion Cycle22 days
Asset Quality (% of Total Assets)
Cash & Investments45.0%
Property, Plant & Equip.8.1%
ReceivablesNot Available
InventoryNot Available
GoodwillNot Available
Intangible AssetsNot Available
Other Assets91.9%
Shareholder Strength™
Strength Radar
Book Value CAGR (5Y)-17.4%
Net Worth CAGR (5Y)37.4%
Retained EarningsAdequate
Equity Dilution0.00%
Buyback EfficiencyWeak
Dividend Sustain.Strong
Balance Sheet Evolution
Annual
Balance Sheet Risk Monitor
Debt RiskLow
Liquidity RiskElevated
Working Capital RiskLow
Refinancing RiskLow
Asset Quality RiskLow
Dilution RiskLow
Contingent LiabilityLow
Overall Balance Sheet RiskModerate
Balance Sheet Stress Test™
Economic Slowdown92
Acquisition Capacity96
High Interest Rates96
Dividend Sustainability75
Revenue Decline78
Cash Flow Resilience90
Expansion Capacity79
Overall Resilience Score
87/100
Strong Resilience
AI Balance Sheet Commentary
Overall Assessment
- Billionbrains Garage Ventures Limited shows a strong balance sheet with healthy liquidity, moderate leverage and steady equity compounding.
What Stands Out
- Net cash position — debt fully covered by cash & investments
- Large cash & investment reserves
- Very low leverage with net cash balance
- High interest coverage
Areas To Monitor
- Tight short-term liquidity cushion
- Large 'other assets' bucket — investigate composition
- Slow book value compounding
Financial data based on consolidated numbers and TTM · Source: Company Filings, Annual Report AI Analysis · Data as of: 31/03/2026