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Beforepay Group Limited (AU:B4P)
ASX:B4P
B4P Stock Chart & Stats
AU$1.60
AU$0.09(5.67%)
At close: 4:00 PM EST
AU$1.60
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$79.68M
Enterprise ValueAU$103.34M
Total Cash (Recent Filing)AU$9.09M
Total Debt (Recent Filing)AU$32.76M
Price to Earnings (P/E)7.2
Beta-0.05
Next Earnings
Sep 01, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.08
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 Upside87.50% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)0.18
Revenue Forecast (FY)AU$49.00M
Bulls Say, Bears Say
Bulls Say
Fee‑based Wage‑access ModelA fee-per-advance wage‑access model delivered via a digital app supports scalable unit economics and recurring transaction revenue. Low marginal servicing costs and D2C distribution make revenue more predictable and easier to scale over months, aiding long-term profitability if acquisition is efficient.
Very High Gross And Operating MarginsExtremely high gross margin and healthy EBIT/EBITDA margins indicate the business captures most revenue as profit after direct costs. For a digital fintech, this suggests durable margin advantages from software delivery and low variable costs, supporting sustained profitability as volumes grow.
Improved Leverage And ROEA reduced leverage ratio, balanced equity base and double‑digit ROE signal improved capital efficiency and financial stability. This stronger balance sheet provides resilience to funding shocks and capacity to fund growth or absorb credit volatility without immediate dilution or distress financing.
Bears Say
Weak Free Cash FlowSharply negative free cash flow growth and low FCF-to-net income mean reported profits convert poorly to cash. Over months this limits reinvestment, increases reliance on external funding, and reduces buffer for credit losses or marketing spend, constraining durable expansion and financial flexibility.
Credit And Funding ExposureThe business model depends on underwriting performance and access to funding. Adverse macro conditions raising delinquencies or funding costs would structurally depress margins and require tighter underwriting or pricier capital, creating a sustained headwind to growth and profitability.
Revenue Growth VolatilityHistoric variability in top-line growth reduces predictability of unit economics and scaling plans. Persistent volatility can force conservative underwriting, increase customer acquisition costs and complicate long‑term planning, making it harder to lock in durable revenue trends over the next 2–6 months.
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$79.68M.
When is Beforepay Group Limited’s upcoming earnings report date?
Beforepay Group Limited’s upcoming earnings report date is Sep 01, 2026 which is in 164 days.
How were Beforepay Group Limited’s earnings last quarter?
Beforepay Group Limited released its earnings results on Feb 25, 2026. The company reported AU$0.08 earnings per share for the quarter, beating the consensus estimate of N/A by AU$0.08.
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$0.08 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 1.618%.
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 (87.50% Upside)
AU$3.00 (87.50% Upside)
Blogger Sentiment
Bullish
AU:B4P Sentiment 100%
Sector Average ―
Sector Average ―
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
▲(87.50% Upside)
Technical Analysis
Options Prices
Currently, No data available
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