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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
Billionbrains Garage Ventures Ltd is an India-based company, which operates a direct-to-customer digital investment platform that provides wealth creation opportunities to customers through multiple financial products and services. Through its platform Groww, customers can…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A decent, fast-growing business — but flagged on governance.
Groww is scored on the commodity / cyclical framework. It keeps a fat 44.9% of every rupee of sales as net profit. Cash conversion lags the reported profit (CFO/PAT -0.01×) — worth a closer look. Free cash flow is worth about -1.0% of its market value.
Over the last 3 years revenue compounded at 60%/yr and profit at 66%/yr. Book value itself has compounded 43%/yr — the hallmark of a genuine compounder. Return on equity is an elite 23.3%. In the latest quarter profit fell 1% versus the prior quarter.
It trades at 50× earnings. Today's price already implies ~22%/yr earnings growth sustained for a decade — a demanding bar. The forensic screen raises a red flag: Only ₹0.13 of cash per ₹1 profit over 4 years — earnings not converting to cash.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 50.12 | 33.17 | worse |
| P/B | 11.65 | 3.56 | worse |
| EV/EBITDA | 35.56 | 10.27 | worse |
| ROE | 23.29 | 12.05 | better |
| ROCE | 31.4 | 13.64 | better |
| ROA | 13.61 | 5.51 | better |
| Quick Ratio | 1.64 | 1.55 | better |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| Motilal Oswal Fin | 24.6 | 4.3 | 17.4% |
| 360 One Wam | 39.3 | 3.9 | 12.0% |
| Nuvama Wealth Manage | 31.5 | 8.3 | 25.3% |
Revenue has grown every year across all 4 financial years shown. 60% CAGR over 3 years — high-growth territory. Growth is decelerating — latest year grew slower than the year before.
1 of the 4 years shown had a loss — profitability is inconsistent.
Operating margin has expanded from 44% to 61% — the business is keeping more of each rupee earned. The gap between operating and net margin is widening — interest or tax costs are rising.
ROE at 22% — the business earns well above its cost of equity. ROE powered by fat margins — the hallmark of a high-quality franchise with pricing power. Capital efficiency improving — ROE up 8pp across the window.
Profit grew faster than EPS (113% vs 101%) — share dilution is eroding per-share value. 101% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
2 of 4 years had negative operating cash flow — profitability on paper may not translate to cash.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue broadly flat QoQ — stable but not accelerating. Run-rate stepping up — recent quarters average 10% above earlier ones.
Quarterly net margins are expanding (45% → 48%) — profitability per rupee of revenue is improving.
P/E band unavailable — needs 5y of consistent EPS + price history.
Promoters hold just 27.1% — widely held; sentiment-driven. FII stake up 7.8pp over 4 quarters — growing foreign interest. MF holding up 6.5pp — domestic institutional discovery underway. Both FII and MF added last quarter — broad institutional confidence.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.