Billionbrains Garage Ventures Ltd.
ISIN: INE0HOQ01053 • Market Cap: ₹1.22 Lakh Cr
The 5-Pillar Quality Audit for Billionbrains Garage Ventures Ltd.
Evaluated across Profitability, Financial Health, Historical Compounding, Valuation Safety, and Ownership Governance:
1. Profitability & Capital Efficiency
Weight: 25%Measures operating margins (61.7%), Return on Capital Employed (29.5%), and equity compounding (21.6%).
2. Financial Health & Solvency
Weight: 25%Debt-to-Equity is 0.02 with comfortable interest coverage and clean working capital.
3. Growth & Compounding Track Record
Weight: 20%Historical 3Y Sales CAGR (26.2%) and 3Y PAT CAGR (—).
4. Valuation Multiple & Margin of Safety
Weight: 15%Trades at P/E of 49.94 vs PEG of 2.12 and Dividend Yield of —.
5. Ownership Quality & Governance
Weight: 15%Promoter holding stands at 27.1%, backed by 17.0% institutional ownership.
Key Fundamental Strengths
Superior Capital Efficiency (ROCE: 29.5%)
Billionbrains Garage Ventures Ltd. generates exceptional return on capital employed of 29.5%, reflecting pricing power and competitive moat.
Robust Equity Compounding (ROE: 21.6%)
Shareholder equity compounds at a healthy 21.6%, exceeding average Indian equity benchmarks.
Fortress Balance Sheet (D/E: 0.02)
The company operates virtually debt-free, shielding net margins from interest rate cycles and monetary tightening.
Strong Topline Expansion (3Y Sales CAGR: 26.2%)
Revenue has expanded at 26.2% CAGR over 3 years, signaling industry market-share gains.
Areas to Watch & Potential Risks
Sectoral & Macro Headwinds (Financial Services)
Subject to broader cyclical demand, raw material price shifts, and regulatory frameworks governing the Financial Services space.
Quantitative Strategy Eligibility
Checking GROWW against established Indian wealth creation frameworks:
Coffee Can Investing Framework
Passes Saurabh Mukherjea's Coffee Can rule: 10%+ sustained revenue growth and 15%+ ROCE/ROE.
Quality Factor Screener (High RoIC + Low Debt)
Qualifies for Indian Quality Indices with overall score of 82/100 and clean gearing.
GARP / Value-Growth Blend
Valuation multiple or return metrics require further cyclical pullback.
Financial Services Sector Peer Comparison
Compare GROWW directly against top industry peers by market capitalization:
| Company | 5-Pillar Score | Market Cap | P/E | ROCE | D/E | Scorecard |
|---|---|---|---|---|---|---|
| Billionbrains Garage Ventures Ltd. (GROWW)Current | 82/100 | ₹1.22 Lakh Cr | 49.94 | 29.5% | 0.02 | — |
| HDFC Bank Ltd. (HDFCBANK) | 74/100 | ₹11.10 Lakh Cr | 14.05 | 12.8% | 1.01 | View |
| ICICI Bank Ltd. (ICICIBANK) | 76/100 | ₹10.06 Lakh Cr | 17.94 | 16.5% | 0.62 | View |
| State Bank of India (SBIN) | 71/100 | ₹9.66 Lakh Cr | 11.20 | 12.2% | 1.38 | View |
| Bajaj Finance Ltd. (BAJFINANCE) | 68/100 | ₹6.72 Lakh Cr | 33.07 | 13.9% | 3.86 | View |
| Life Insurance Corporation of India (LICI) | 87/100 | ₹5.22 Lakh Cr | 8.70 | 37.8% | 0.00 | View |
Frequently Asked Questions: Billionbrains Garage Ventures Ltd.
Q:What is the 5-Pillar Fundamental Score for Billionbrains Garage Ventures Ltd. (GROWW)?
Billionbrains Garage Ventures Ltd. has a RupeeTools Fundamental Score of 82/100, placing it in the 'Exceptional Quality' category. Its pillar scores are: Profitability (92/100), Financial Health (87/100), Growth (99/100), Valuation (52/100), and Ownership Quality (60/100).
Q:Is GROWW fundamentally strong for long-term investment?
Yes, GROWW exhibits solid fundamental strength with a 82/100 score, driven by a return on equity of 21.6% and a debt-to-equity ratio of 0.02.
Q:Does GROWW pass the Coffee Can Investing filter?
Yes! GROWW satisfies both core pillars of Coffee Can Investing: achieving consistently high capital returns (ROCE/ROE >= 15%) alongside double-digit multi-year revenue growth.
Q:How does GROWW compare against other Financial Services peers?
Within India's Financial Services sector, GROWW trades at a P/E of 49.94 and generates an ROCE of 29.5%. Compare its 5-Pillar score of 82/100 against top sector peers like HDFC Bank Ltd. (74/100), ICICI Bank Ltd. (76/100).
Regulatory & SEBI Research Analyst Compliance Disclaimer:
This 5-pillar fundamental score is an automated quantitative health check generated purely from historical public financial statements, corporate filings, and exchange disclosures for educational and informational purposes only. It does NOT constitute investment advice, a stock recommendation, or a solicitation to buy or sell securities. RupeeTools is not a SEBI-registered Research Analyst. Please consult a SEBI-registered financial advisor before making investment decisions.