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Beforepay Group Limited (AU:B4P)
ASX:B4P
B4P Stock Chart & Stats
AU$1.49
AU$0.09(5.67%)
At close: 4:00 PM EST
AU$1.49
AU$0.09(5.67%)
Day’s Range― - ―
52-Week RangeAU$0.90 - AU$2.77
Previous CloseN/A
Volume13.13K
Average Volume (3M)148.47K
Market Cap
AU$79.18M
Enterprise ValueAU$89.80M
Total Cash (Recent Filing)AU$14.01M
Total Debt (Recent Filing)AU$31.91M
Price to Earnings (P/E)11.4
Beta0.08
Next Earnings
Feb 26, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.07
Shares Outstanding49,796,883
10 Day Avg. Volume124,067
30 Day Avg. Volume148,471
Financial Highlights & Ratios
PEG Ratio0.13
Price to Book (P/B)2.01
Price to Sales (P/S)1.97
P/FCF Ratio58.91
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
AU$3.00Price Target Upside101.34% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
High Gross And Improved Net MarginsExtremely high gross margins imply a scalable, primarily digital product with low direct costs per transaction. An improved net margin near 17% suggests operating leverage and disciplined cost control, supporting durable profitability if credit losses and funding costs remain managed.
Improved Leverage And Solid ROELowered leverage and an equity ratio around 52% reduce financial vulnerability and provide flexibility for strategic investment or absorbing credit volatility. A mid-teens ROE reflects efficient equity use, supporting sustainable returns over multiple quarters if capital allocation remains prudent.
Consistent Revenue GrowthRecurring fee-based revenue and multi-year revenue growth indicate steady product adoption and repeat usage. Sustained top-line expansion supports operating leverage and the ability to fund growth initiatives internally, provided customer retention and unit economics remain stable.
Bears Say
Weak Free Cash Flow GenerationSharp negative FCF growth and low conversion of net income to free cash flow limit the company's ability to self-fund investments, marketing, or buffer credit losses. Over months this constrains expansion and may necessitate external funding or slower organic growth.
Business Model Exposure To Credit & Funding RiskRelying on short-term advances and fee income ties profitability to customer repayment behavior and wholesale funding costs. Structural rises in delinquencies or funding spreads would directly compress margins and require tighter underwriting or higher fees, risking growth and market competitiveness.
Small Operating ScaleA small headcount limits capacity for rapid scaling, product development, compliance, and sophisticated risk management compared with larger fintech competitors. Over time this can raise unit acquisition costs, slow feature rollout, and increase dependency on third-party partnerships.
Beforepay Group Limited News
B4P FAQ
What was Beforepay Group Limited’s price range in the past 12 months?
Beforepay Group Limited lowest share price was AU$0.90 and its highest was AU$2.77 in the past 12 months.
What is Beforepay Group Limited’s market cap?
Beforepay Group Limited’s market cap is AU$79.18M.
When is Beforepay Group Limited’s upcoming earnings report date?
Beforepay Group Limited’s upcoming earnings report date is Feb 26, 2026 which is in 4 days.
How were Beforepay Group Limited’s earnings last quarter?
Beforepay Group Limited released its earnings results on Aug 25, 2025. The company reported AU$0.074 earnings per share for the quarter, beating the consensus estimate of N/A by AU$0.074.
Is Beforepay Group Limited overvalued?
According to Wall Street analysts Beforepay Group Limited’s price is currently Undervalued.
Does Beforepay Group Limited pay dividends?
Beforepay Group Limited does not currently pay dividends.
What is Beforepay Group Limited’s EPS estimate?
Beforepay Group Limited’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Beforepay Group Limited have?
Beforepay Group Limited has 49,796,883 shares outstanding.
What happened to Beforepay Group Limited’s price movement after its last earnings report?
Beforepay Group Limited reported an EPS of AU$0.074 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 1.463%.
Which hedge fund is a major shareholder of Beforepay Group Limited?
Currently, no hedge funds are holding shares in AU:B4P
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Beforepay Group Limited Stock Smart Score
Neutral
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Analyst Consensus
Moderate Buy
Average Price Target:
AU$3.00 (101.34% Upside)
AU$3.00 (101.34% Upside)
Blogger Sentiment
Bullish
AU:B4P Sentiment 100%
Sector Average ―
Sector Average ―
Insider Transactions
Sold Shares
Worth AU$108.0K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Positive
20 days / 200 days
Momentum
208.07%
12-Months-Change
Fundamentals
Return on Equity
19.30%
Trailing 12-Months
Asset Growth
3.52%
Trailing 12-Months
Company Description
Beforepay Group Limited
Beforepay Group Limited provides pay-on-demand services through mobile applications in Australia. The company provides finance to individuals by way of pay advances. Beforepay Group Limited was incorporated in 2019 and is based in Sydney, Australia.
B4P Stock 12 Month Forecast
Average Price Target
AU$3.00
▲(101.34% Upside)
Technical Analysis
Options Prices
Currently, No data available
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