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Billionbrains Garage Ventures Limited (GROWW) fair value: what the stock is really worth

As of Nov 2, 2026: fair value (intrinsic value) of Billionbrains Garage Ventures Limited stock ₹43.60, price ₹196, that is 77.8% below the price, quality 52 out of 100. Rating: strongly overvalued. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

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Financial Services IN

BG Billionbrains Garage Ventures Limited logo Some data Nov 3, 2026

Billionbrains Garage Ventures Limited

GROWW · NSE
Stretched Valuation

Our calculation puts a fair price 78% below what the stock costs today.

Highly profitable · 45.4% net margin (TTM)
Low debt
Last quarter vs. a year ago: revenue +65%, profit +86%.
Quality 52/100
Expensive Growth (revenue 3y +50.2 %/yr in INR)
Mixed vs. peers (6/12)
Wide moat 86/100 · thin data
Some data
Fair value ₹43.60 · Strongly overvalued (−77.8%)
Negative free cash flow
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

₹221.56 ₹131.33 Fair Value ₹43.60 Nov 2025 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 3, 2026.

How to read this chart

12‑month range ₹131.33 – ₹221.56 · fair‑value band ₹23.09 – ₹54.50 · the ₹196.31 price screens above the ₹43.60 fair value. As of Nov 3, 2026.

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Company profile

Billionbrains Garage Ventures Limited develops a direct-to-customer digital investment platform that provides wealth creation opportunities through multiple financial products and services in India.

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Its platform Groww, allows users to invest in and trade stocks, including cash, intraday, and IPO; equity and commodity derivatives; bonds; mutual funds; margin trading facility; exchange traded funds; personal loans, loan against securities; and other products.

The company also offers Groww Lite, a secure, lightweight, web-based trading platform accessible on both desktop and mobile browsers; as well as Groww Charts, a mobile charting platform that helps users trade smarter.

In addition, it provides content, such as financial literacy resources, news, and information through Groww Digest, blogs and newsletters. Billionbrains Garage Ventures Limited was founded in 2016 and is based in Bengaluru, India.

Stock analysis

Billionbrains Garage Ventures Limited (GROWW) currently trades at ₹196.31, while our model-based Fair Value estimate is ₹43.60, 77.8% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Earnings-Based group reads highest at a median of ₹86.12 per share, and 0 of the 7 models we run sit above the ₹196.31 price.

Bear case: the Asset-Based group reads lowest at ₹8.59, and 7 of the 7 models stay below the price. Data coverage for this calculation is medium.

Scenario range: ₹23.09 (bear) to ₹54.50 (bull), the price of ₹196.31 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 52/100 (solid quality), in the Financial Services sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

Billionbrains Garage Ventures Limited reported revenue of ₹42.7B in FY2026 versus ₹12.6B in FY2023, a compound +50.2%/yr. Reported net income was ₹20.8B in FY2026, compounding +65.7%/yr from FY2023. FY2023 was a trough year, so the rate overstates the trend.

Key figures

Market cap ₹1.2T (≈ $12.8B) Large · P/E ratio 45.9 · P/S ratio 22.6 · EPS (TTM) ₹4.28 · Net margin 45.4% · Return on equity 28.7% · Return on assets (EBIT) 14.5% · Operating margin 64.4%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 86 out of 100 (low confidence).

What moves the price

The share trades about 11% below its 52-week high and 49% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −15% fair-value upside, at −78%, GROWW screens richer than that median.

Fair Value models

The price assumes far more growth than our models allow for, so the models scatter widely (₹8.59 to ₹159.04). Read the Fair Value as a cautious anchor, not a price target; the Growth Forecast section shows what the price assumes.
Bear ₹23.09 Fair Value ₹43.60 Bull ₹54.50
Price ₹196.31 · Downside -77.8%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2026 figures (about 7 months old). Earnings retained since then (₹2.54 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Owner Earnings ₹23.09 ₹43.80 ₹80.85 70
Residual Income ₹17.85 ₹23.97 ₹39.67 65
P/E Multiple ₹32.70 ₹43.60 ₹54.50 63
All 7 models by family
DCF Models
Owner Earnings ₹23.09 ₹43.80 ₹80.85 70
Earnings-Based
Graham-Dodd ₹22.81 ₹159.04 ₹223.19 60
Lynch FV ₹60.29 ₹86.12 ₹111.96 58
Multiples
P/E Multiple ₹32.70 ₹43.60 ₹54.50 63
P/B Multiple ₹16.32 ₹21.75 ₹27.19 55
Asset-Based
NCAV (Graham) ₹5.67 ₹8.59 ₹10.73 55
Economic Profit
Residual Income ₹17.85 ₹23.97 ₹39.67 65

Open the full fair value analysis →

Quality Score breakdown

Overall quality 52/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 57
How much profit the company makes from its sales and capital
Quality Growth 27
Are margins and returns getting better?
Cashflow 14
Do the profits arrive as real cash?
Financial strength 76
Debt, balance sheet and risk of trouble
Investment 33
Does it invest with discipline instead of growing at any price?
Low Volatility 30
How calm the share price moves, does not count
Price momentum 42
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 80
Distance to the 52-week high, does not count
New shares 80
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+6.1%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+50.2%
What shareholders gained per year (last 3 years), in INR (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 3 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip. Measured in INR: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+65.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year+65.6%
Dividend (yield on the price)0.0%
2026 sits 82% above its own trend. The rate follows the median trend of the last 3 years, not that single year.

GROWW screens overvalued: fair value 78% below the price. Compare with Morgan Stanley →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Capital Markets · 385 stocks

Beats the industry median on 6/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 52 · Below median
Fair Value upside −77.8% · Bottom 25%
Profitability
Return on equity (12 months) 28.7% · Top 25%
Return on assets 11.2% · Top 25%
Net margin (12 months) 45.4% · Top 25%
Operating margin (12 months) 64.4% · Top 25%
Growth and dividend
Revenue growth (quarter YoY) 65.2% · Top 25%
Balance sheet
Debt / equity 0.00× · Below median

Valuation Multiplesvs Capital Markets median · lower = cheaper

P/E (12 months) 45.9× · Priciest 25%
P/B 12.59× · Priciest 25%
P/S (12 months) 22.60× · Priciest 25%
EV/EBITDA 41.2× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 36
FUTURE (revenue growth)100 · sector 77
PAST (return on equity)100 · sector 38
HEALTH (low debt)100 · sector 94
DIVIDEND (yield)0 · sector 46

VALUE 0: the price sits above our fair-value range.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Capital Markets stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Morgan Stanley MS $185.73 $260.72 +40% vs GROWW
The Charles Schwab Corporation SCHW $88.71 $117.60 +33% vs GROWW
Nomura Holdings NMR $9.57 $10.20 +7% vs GROWW
Guotai Haitong Securities Co 601211 ¥16.30 ¥16.40 +1% vs GROWW
The Goldman Sachs Group GS $898.72 $766.86 −15% vs GROWW
CITIC Securities Company 600030 ¥25.56 ¥18.35 −28% vs GROWW
Robinhood Markets, Inc HOOD $83.84 $47.60 −43% vs GROWW
Macquarie Group MQG A$254.26 A$80.51 −68% vs GROWW
East Money Information Co 300059 ¥18.71 ¥4.94 −74% vs GROWW
Interactive Brokers Group IBKR $74.83 $17.48 −77% vs GROWW

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Billionbrains Garage Ventures Limited: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Billionbrains Garage Ventures Limited Fair Value". https://www.fairvalue-calculator.com/stock/GROWW

Frequently asked questions

Is Billionbrains Garage Ventures Limited (GROWW) overvalued or undervalued?
As of Nov 3, 2026, our model estimates a fair value of ₹43.60 versus a price of ₹196.31, about 78% lower (overvalued).
What is the fair value of GROWW?
Our model-based fair value for Billionbrains Garage Ventures Limited is ₹43.60 (as of Nov 3, 2026), built from audited fundamentals. The current price: ₹196.31.
What is the quality score of GROWW?
Billionbrains Garage Ventures Limited has a Quality Score of 52/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Billionbrains Garage Ventures Limited (GROWW)?
Our model-based price target is the fair value of ₹43.60 (as of Nov 3, 2026) from 7 valuation models. Cautious scenario ₹23.09, optimistic scenario ₹54.50. It is a calculation from audited fundamentals, not an analyst target.
What is the Billionbrains Garage Ventures Limited stock forecast for 2026?
Our models put fair value at ₹43.60, about 78% lower versus a price of ₹196.31 (overvalued). Cautious scenario ₹23.09, optimistic scenario ₹54.50. The calculation is refreshed regularly with new filings.
What is the revenue of Billionbrains Garage Ventures Limited (GROWW)?
Billionbrains Garage Ventures Limited reported trailing-twelve-month revenue of about ₹53.8B (latest available figure, as of Nov 3, 2026).
What is the intrinsic value of Billionbrains Garage Ventures Limited (GROWW)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Billionbrains Garage Ventures Limited it is ₹43.60 per share (as of Nov 3, 2026), against a price of ₹196.31. It is the blended result of 7 valuation models (cash flow, earnings, asset, dividend).
Is Billionbrains Garage Ventures Limited stock overvalued or undervalued in 2026?
As of Nov 3, 2026, GROWW trades above its calculated fair value: price ₹196.31, fair value ₹43.60, a gap of about −78% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of GROWW?
No. The price is what the market pays today (₹196.31); the fair value is what the company's own numbers justify (₹43.60). For Billionbrains Garage Ventures Limited the two are ₹152.71 per share apart. That gap is exactly why we show both numbers side by side.
How much is Billionbrains Garage Ventures Limited worth?
The market values Billionbrains Garage Ventures Limited at about ₹1.2T (market capitalisation, as of Nov 3, 2026). Per share that is ₹196.31; our models calculate a fair value of ₹43.60 per share.
What do the bullish and bearish scenarios say about GROWW?
Our models span a range for Billionbrains Garage Ventures Limited: cautious scenario ₹23.09, base ₹43.60, optimistic ₹54.50 per share (as of Nov 3, 2026, price ₹196.31). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of GROWW?
Billionbrains Garage Ventures Limited trades at a price-to-earnings ratio of 45.9 (as of Nov 3, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹43.60 is built from several models across several years. Other multiples: P/B 12.6, P/S 22.6, EV/EBITDA 41.2.
How solid is the balance sheet of Billionbrains Garage Ventures Limited (GROWW)?
Balance-sheet figures for Billionbrains Garage Ventures Limited (as of Nov 3, 2026): return on equity 28.7%, debt of 0.00 per unit of equity. They feed the Quality Score of 52/100, which measures business quality independently of the share price.
How far is GROWW from its 52-week high?
Billionbrains Garage Ventures Limited trades at ₹196.31, about 11% below its 52-week high of ₹221.56 and 49% above the low of ₹131.33 (as of Nov 2, 2026). Distance from the high says nothing about value: that is what the fair value of ₹43.60 is for.
Which stocks are comparable to Billionbrains Garage Ventures Limited?
From the same area (Financial Services) we also value Morgan Stanley, The Goldman Sachs Group, The Charles Schwab Corporation, Interactive Brokers Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Billionbrains Garage Ventures Limited stock attractive at the current price?
The data as of Nov 3, 2026: price ₹196.31, calculated fair value ₹43.60 (−78%), Quality Score 52/100, from 7 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of GROWW calculated?
We run Billionbrains Garage Ventures Limited through 7 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of ₹43.60, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 15.2 % above its aggregate fair value. Billionbrains Garage Ventures Limited itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Billionbrains Garage Ventures Limited (GROWW)?
The closing price on Nov 2, 2026 was ₹196.31. Our model-based fair value is ₹43.60, about 78% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Billionbrains Garage Ventures Limited right now?
The price sits above even our optimistic bull case (₹54.50). The favourable scenario is already priced in. Solid but not exceptional quality (52/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range (₹23.09 to ₹54.50) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Billionbrains Garage Ventures Limited

How large is the market capitalisation of Billionbrains Garage Ventures Limited (GROWW)?
The market capitalisation of Billionbrains Garage Ventures Limited is ₹1.2T (≈ $12.8B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Billionbrains Garage Ventures Limited (GROWW)?
The price-to-sales ratio of Billionbrains Garage Ventures Limited is 22.6 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Billionbrains Garage Ventures Limited (GROWW)?
Earnings per share at Billionbrains Garage Ventures Limited are ₹4.28 (price ÷ EPS = P/E 45.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Billionbrains Garage Ventures Limited (GROWW)?
The net margin of Billionbrains Garage Ventures Limited is 45.4% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Billionbrains Garage Ventures Limited (GROWW)?
The return on equity (ROE) of Billionbrains Garage Ventures Limited is 28.7% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Billionbrains Garage Ventures Limited (GROWW)?
On an EBIT basis the return on assets of Billionbrains Garage Ventures Limited is 14.5% (avg 4y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Billionbrains Garage Ventures Limited (GROWW)?
The operating margin of Billionbrains Garage Ventures Limited is 64.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Billionbrains Garage Ventures Limited (GROWW)?
Revenue at Billionbrains Garage Ventures Limited is growing +65.2% versus a year earlier (3y avg +50.2%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Billionbrains Garage Ventures Limited (GROWW)?
Earnings per share at Billionbrains Garage Ventures Limited are growing +85.7% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Billionbrains Garage Ventures Limited (GROWW) generate?
The free cash flow of Billionbrains Garage Ventures Limited is −₹327M (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Billionbrains Garage Ventures Limited (GROWW) hold?
Billionbrains Garage Ventures Limited holds more cash than debt, ₹13.0B net (fiscal year 2026). The company holds more cash than debt, a safety cushion.
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