Grow Capital, Inc. (GRWC)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Grow Capital, Inc. (GRWC) trades at $0.30 with AI Score 43/100 (Grade C). Grow Capital, Inc. provides software and technology solutions to financial services firms. Their suite includes compliance tools, commission processing, and digital marketing services. Market cap: $7.48M, Sector: Technology.
Price live · AI analysis from Mar 17, 2026Analyst Coverage for GRWC: GRWC does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates GRWC against Technology peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
GRWC: the 1 perspectives are evenly split.
How is this calculated? →Grow Capital, Inc. (GRWC) Technology Profile & Competitive Position
Grow Capital, Inc. delivers tailored software solutions for financial services firms, including compliance, commission processing, and digital marketing tools. Operating in the application software sector, the company focuses on providing customized back-office solutions and client engagement platforms to enhance operational efficiency and regulatory adherence for its clientele.
What Is the Investment Thesis for GRWC?
Grow Capital, Inc. presents a high-risk, high-reward investment opportunity within the fintech sector. The company's focus on providing customized software solutions for financial services firms addresses a specific need for compliance and operational efficiency. Key value drivers include the potential for recurring revenue through software subscriptions and the scalability of its digital engagement marketing services. However, the company's negative P/E ratio of -7.87 and a substantial negative profit margin of -135.0% indicate significant financial challenges. The extremely negative beta of -5245.06 suggests high volatility and a weak correlation with the overall market. The company's ability to achieve profitability and demonstrate sustainable growth will be critical to its long-term success. Upcoming catalysts include potential new client acquisitions and expansion of its software suite.
Based on FMP financials and quantitative analysis
GRWC Key Highlights
- Market capitalization of $7.48M indicates a micro-cap company with high growth potential but also significant risk.
- Negative P/E ratio of -7.87 reflects current unprofitability, requiring investors to focus on future earnings potential.
- Gross margin of 20.0% suggests some pricing power but also highlights the need for improved cost management.
- Negative profit margin of -135.0% indicates substantial losses and the need for significant operational improvements.
- Beta of -5245.06 suggests extreme volatility and a negative correlation with the market, making it a speculative investment.
Who Are GRWC's Competitors?
GRWC is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| APYP AppYea, Inc. | $0.01 | -7.34% | $6.03M | 50 |
| BCTCF BC Technology Group Limited | $1.50 | +0.00% | $1.35B | 58 |
| ELCO Elcom International Inc. | $35.00 | +0.00% | $17.57M | 61 |
| NOW ServiceNow, Inc. | $108.69 | +2.23% | $112.09B | 71 |
| RSASF RESAAS Services Inc. | $0.30 | +2.76% | $25.04M | 69 |
| CSAI Cloudastructure Inc. | $0.36 | +0.47% | $6.84M | 68 |
| PDFS PDF Solutions, Inc. | $56.75 | -4.11% | $2.34B | 68 |
| USER UserTesting, Inc. | $7.50 | -0.13% | 63 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are GRWC's Key Strengths?
- Customized software solutions for financial services firms.
- Integrated suite of compliance, commission processing, and marketing services.
- Long-term relationships with clients.
- Proprietary technology and software platforms.
What Are GRWC's Weaknesses?
- Small market capitalization.
- Negative profit margins.
- High beta indicating extreme volatility.
- Limited brand recognition.
What Could Drive GRWC Stock Higher?
- Potential new client acquisitions in the financial services sector.
- Expansion of the software suite with new features and capabilities.
- Strategic partnerships with larger financial institutions or technology providers.
- Targeted marketing campaigns to increase brand awareness and generate new leads.
What Are the Key Risks for GRWC?
- Financial-distress signal — its Altman Z-Score of -14.01 sits in the distress zone (elevated bankruptcy risk).
- Weak fundamentals — a Piotroski F-Score of 2/9 flags soft profitability, leverage or efficiency.
- Intense competition in the financial technology sector.
- Evolving regulatory requirements impacting compliance software.
- Cybersecurity risks and data breaches.
- Economic downturn impacting financial services firms.
- Limited liquidity and price volatility due to OTC market listing.
What Are the Growth Opportunities for GRWC?
- Expansion of Software Suite: Grow Capital can expand its software suite to include more advanced features such as AI-powered analytics and automated compliance tools. The market for AI in fintech is projected to reach $26.5 billion by 2030, offering a substantial growth opportunity. Timeline: Within the next 2-3 years, Grow Capital can integrate AI capabilities into its existing platform to attract new clients and increase revenue from existing customers.
- Strategic Partnerships: Forming strategic partnerships with larger financial institutions or technology providers can provide Grow Capital with access to new markets and resources. The partnership can enhance the company's credibility and expand its customer base. Timeline: Establishing key partnerships within the next year can significantly accelerate Grow Capital's growth trajectory.
- Targeted Marketing Campaigns: Implementing targeted marketing campaigns focused on specific segments of the financial services industry can increase brand awareness and generate new leads. The company can leverage digital marketing channels to reach potential customers and showcase its unique value proposition. Timeline: Launching targeted marketing campaigns within the next 6-12 months can drive significant customer acquisition.
- Geographic Expansion: Expanding into new geographic markets can diversify Grow Capital's revenue streams and reduce its reliance on the US market. The global fintech market is experiencing rapid growth, particularly in emerging economies. Timeline: Evaluating and entering new geographic markets within the next 3-5 years can provide long-term growth opportunities.
- Enhanced Customer Support: Providing enhanced customer support and training services can improve customer satisfaction and retention. The company can invest in building a dedicated customer support team and developing comprehensive training programs. Timeline: Implementing enhanced customer support initiatives within the next year can improve customer loyalty and reduce churn.
What Opportunities Does GRWC Have?
- Expansion of software suite with AI-powered analytics.
- Strategic partnerships with larger financial institutions.
- Targeted marketing campaigns to acquire new clients.
- Geographic expansion into new markets.
What Threats Does GRWC Face?
- Intense competition in the fintech sector.
- Evolving regulatory requirements.
- Cybersecurity risks.
- Economic downturn impacting financial services firms.
What Are GRWC's Competitive Advantages?
- Customized software solutions tailored to specific client needs.
- Integrated suite of services including compliance, commission processing, and marketing.
- Long-term relationships with financial services firms.
- Proprietary technology and software platforms.
What Does GRWC Do?
Grow Capital, Inc., incorporated in 1999 and based in Henderson, Nevada, operates within the financial technology sector, offering software, technology, and services to financial services firms and advisors. The company's core offering is a software suite designed to streamline back-office operations, ensure compliance, and enhance client engagement. This suite includes customized back-office compliance tools, multi-pay commission processing systems, and a new client application submission system. Additionally, Grow Capital provides digital engagement marketing services tailored to the financial services industry. Beyond its core software suite, Grow Capital offers software customization, licensing, and subscription service contracts, providing ongoing customization and maintenance services to meet the evolving needs of its clients. The company also provides ad hoc services, including web hosting, website development, and other complementary professional services, positioning itself as a comprehensive technology partner for financial services firms. Grow Capital aims to improve the efficiency and effectiveness of financial service providers through tailored technology solutions.
What Products and Services Does GRWC Offer?
- Provides customized back-office compliance software for financial services firms.
- Offers multi-pay commission processing systems.
- Develops new client application submission systems.
- Delivers digital engagement marketing services.
- Provides software customization services.
- Offers software licensing and subscription services.
- Provides web hosting and website development services.
How Does GRWC Make Money?
- Software customization and licensing fees.
- Subscription service contracts for ongoing software access and maintenance.
- Ad hoc services including web hosting and website development.
- Digital engagement marketing service fees.
What Industry Does GRWC Operate In?
Grow Capital, Inc. operates in the competitive financial technology sector, which is experiencing rapid growth due to increasing demand for digital solutions in financial services. The industry is characterized by intense competition from established players and emerging startups. Grow Capital's focus on customized software solutions and digital engagement marketing services positions it within a niche market segment. The company faces challenges from competitors offering similar services, requiring it to differentiate through innovation and customer service. The fintech sector is projected to continue growing, driven by technological advancements and evolving regulatory requirements.
Who Are GRWC's Key Customers?
- Financial services firms.
- Financial advisors.
- Brokerage firms.
- Wealth management companies.
F-Score 2/9Financial Health
Grow Capital, Inc.'s Piotroski F-Score is 2/9, a 9-point checklist of profitability, leverage and efficiency — flagging fundamental weakness worth scrutiny. Its Altman Z-Score of -14.01 places it in the distress zone, a signal of elevated financial risk.
ROE 105%Key Financial Metrics
Return on equity for Grow Capital, Inc. stands at 104.6%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is -64.7%, showing how much profit it generates from its asset base. Its free cash flow yield is -30.1%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.13 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is -9.2%, the inverse of the P/E and a quick read on earnings relative to price.
Grow Capital, Inc. (GRWC) Valuation Context
Valued at $7.48M, GRWC is classified as a micro-cap stock. Relative to its peer group, GRWC's quantitative score of 43/100 is below the peer average of 62/100.
GRWC Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests those in the know are optimistic about Grow Capital's future prospects.
- The community buzz is generally positive, with many seeing potential in their business model.
- Market perception seems to be improving, with more mentions in positive contexts.
- Grow Capital appears to be gaining traction within its niche, hinting at growing market share.
Bear Case
- Some insiders have recently reduced their positions, which could signal concerns about near-term performance.
- A segment of the community expresses doubts about the company's long-term sustainability.
- Market sentiment is volatile; recent developments have introduced uncertainty.
- Competition in Grow Capital's sector is intensifying, potentially squeezing margins.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
GRWC Latest News
No recent news available for GRWC.
GRWC Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for GRWC.
Price Targets
Wall Street price target analysis for GRWC.
GRWC MoonshotScore
What does this score mean?
The MoonshotScore rates GRWC's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Terry Joe Kennedy
CEO
Terry Joe Kennedy serves as the CEO of Grow Capital, Inc., leading a team of 21 employees. His background includes extensive experience in the technology and financial services sectors. Kennedy has a proven track record of developing and implementing innovative software solutions for financial institutions. He is responsible for the company's strategic direction, product development, and customer relationship management. Kennedy's leadership is focused on driving growth and profitability through customized technology solutions.
Track Record: Under Terry Joe Kennedy's leadership, Grow Capital, Inc. has focused on expanding its software suite and enhancing its digital engagement marketing services. Key milestones include the development of a new client application submission system and the implementation of customized back-office compliance tools. Kennedy has also focused on building long-term relationships with financial services firms and driving customer satisfaction.
GRWC OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Grow Capital, Inc. may not meet the minimum financial standards or reporting requirements of higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial disclosure, making it more difficult for investors to assess their financial health and operational performance. Investing in OTC Other stocks carries a higher degree of risk compared to stocks listed on major exchanges due to the potential for limited liquidity, price volatility, and lack of regulatory oversight.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited financial disclosure.
- Low trading volume and liquidity.
- Potential for price manipulation.
- Lack of regulatory oversight.
- Higher risk of fraud or mismanagement.
- Verify the company's financial statements and SEC filings (if any).
- Research the background and experience of the company's management team.
- Assess the company's business model and competitive landscape.
- Evaluate the company's revenue and earnings growth potential.
- Check for any legal or regulatory issues.
- Monitor the company's news and press releases.
- Consult with a financial advisor before investing.
- Company has been in operation since 1999.
- Focus on providing software solutions to financial services firms.
- CEO with experience in the technology and financial services sectors.
- Development of customized software solutions for clients.
What Investors Ask About Grow Capital, Inc. (GRWC) — Technology
What does Grow Capital, Inc. do?
Grow Capital, Inc. operates in the financial technology sector, providing software, technology, and services to financial services firms and advisors. The company's core offering is a software suite designed to streamline back-office operations, ensure compliance, and enhance client engagement. This suite includes customized back-office compliance tools, multi-pay commission processing systems, and a new client application submission system. Additionally, Grow Capital provides digital engagement marketing services tailored to the financial services industry, offering a comprehensive technology solution for financial service providers.
What do analysts say about GRWC stock?
As of March 17, 2026, there is no readily available analyst coverage or consensus for Grow Capital, Inc. (GRWC) due to its OTC listing and small market capitalization. Investors should conduct their own thorough due diligence and consider the company's financial performance, growth potential, and risk factors before making any investment decisions. Key valuation metrics such as P/E ratio and profit margin should be carefully analyzed in the context of the company's industry and competitive landscape.
What are the main risks for GRWC?
The main risks for Grow Capital, Inc. include intense competition in the fintech sector, evolving regulatory requirements impacting compliance software, cybersecurity risks and data breaches, and the potential for an economic downturn impacting financial services firms. Additionally, the company faces risks associated with its OTC market listing, including limited liquidity, price volatility, and a lack of regulatory oversight. Investors should carefully consider these risks before investing in GRWC.
What are the key factors to evaluate for GRWC?
Grow Capital, Inc. (GRWC) holds an AI score of 43/100 (low). Not financial advice.
How frequently does GRWC data refresh on this page?
GRWC prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven GRWC's recent stock price performance?
Grow Capital, Inc. (GRWC) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Customized software solutions for financial services firms. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider GRWC overvalued or undervalued right now?
Valuing Grow Capital, Inc. (GRWC) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying GRWC?
Before investing in Grow Capital, Inc. (GRWC), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- OTC data may be less reliable than exchange-listed data.
- Financial data is based on limited information available.