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Beforepay Group Limited (B4P) Price & Analysis

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B4P Stock Chart & Stats

AU$1.46

AU$0.09(5.67%)

At close: Jan 09 4:00 PM EST

AU$1.46

AU$0.09(5.67%)

Day’s Range― - ―

52-Week RangeAU$1.18 - AU$2.77

Previous CloseN/A

Volume13.13K

Average Volume (3M)148.47K

Market Cap

AU$85.65M

Enterprise ValueAU$90.15M

Total Cash (Recent Filing)AU$9.09M

Total Debt (Recent Filing)AU$32.76M

Price to Earnings (P/E)10.3

Beta0.24

Next Earnings

Sep 01, 2026

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend YieldN/A

Share Statistics

EPS (TTM)0.17

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$2.90

Price Target Upside98.63% Upside

Rating ConsensusModerate Buy

Number of Analyst Covering1

EPS Forecast (FY)0.39

Revenue Forecast (FY)AU$73.10M

Bulls Say, Bears Say

Bulls Say

High Gross MarginA 96% gross margin denotes a highly scalable, low-cost core offering where revenue largely flows to the bottom line. This margin structure supports durable profitability, funding for product development and marketing, and resilience to modest revenue slowdowns over the medium term.

Recurring Fee-based PlatformA fee-for-service EWA and payroll platform creates recurring revenue and sticky B2B distribution via employers. Employer partnerships and payroll integrations produce network effects and cross-sell opportunities, supporting predictable transaction volumes and durable revenue streams.

Improving Leverage And ROEReduced leverage and a healthy equity ratio improve financial flexibility to fund EWA capital needs and absorb credit losses. A 17% ROE indicates effective capital use, supporting sustainable reinvestment and lower refinancing risk over the medium term.

Bears Say

Weak Free Cash FlowSeverely negative free cash flow growth and low FCF-to-net-income indicate limited internal cash generation despite reported profits. This constrains capacity to self-fund growth, heightens dependence on external financing for advance-pay capital, and raises vulnerability to rising funding costs.

Revenue Growth VolatilityIntermittent revenue swings suggest unpredictability in customer adoption or usage patterns, complicating cash forecasting and provisioning for credit losses. Structural volatility can hinder scaling, make margin planning harder, and reduce the reliability of fee income for long-term investment.

History Of Higher LeverageA track record of elevated leverage signals potential cyclic sensitivity: if growth stalls or funding tightens, the company could face refinancing pressure. Even with recent improvement, past leverage increases the importance of conservative capital management to sustain operations through downturns.

Beforepay Group Limited News

Beforepay Options Expire, Slightly Streamlining Capital Structure

Beforepay Group Limited ( ($AU:B4P) ) just unveiled an update. Beforepay Group Limited has notified the market of...

2d ago

B4P

Beforepay posts record margins, completes pricing shift and secures cheaper $100m funding

Beforepay Group Limited ( ($AU:B4P) ) has issued an update. Beforepay Group Limited reported a strong fourth quarter...

9d ago

B4P

Beforepay Secures $100m Facility to Boost Loan Growth and Cut Funding Costs

Beforepay Group Limited ( ($AU:B4P) ) has provided an update. Beforepay Group Limited has secured a new senior...

10d ago

B4P

Beforepay schedules Q4 FY26 update and investor webinar

An announcement from Beforepay Group Limited ( ($AU:B4P) ) is now available. Beforepay Group Limited will release its...

16d ago

B4P

Beforepay Reports Lapse of Conditional Options in Capital Update

An update from Beforepay Group Limited ( ($AU:B4P) ) is now available. Beforepay Group Limited, listed on the...

28d ago

B4P

Beforepay lifts personal loan growth and margins in Q3 FY26

An update from Beforepay Group Limited ( ($AU:B4P) ) is now available. Beforepay Group Limited reported continued growth...

3M ago

B4P

Beforepay to Unveil Q3 FY26 Results and Host Investor Webinar

Beforepay Group Limited ( ($AU:B4P) ) has shared an update. Beforepay Group Limited, a Sydney-based fintech, focuses on...

4M ago

B4P

Beforepay Clears Expired Options and Lapsed Performance Rights From Capital Structure

Beforepay Group Limited ( ($AU:B4P) ) has shared an announcement. Beforepay Group Limited has announced the cessation of...

4M ago

B4P

Beforepay outlines limits of guidance and use of non-IFRS metrics in ASX presentation

Beforepay Group Limited ( ($AU:B4P) ) has issued an announcement. Beforepay Group Limited has released a presentation for...

5M ago

B4P

Beforepay Flags Half-Year 2025 Results in Investor Update

Beforepay Group Limited ( ($AU:B4P) ) has provided an announcement. Beforepay Group Limited has released an investor deck...

5M ago

B4P

B4P FAQ

What was Beforepay Group Limited’s price range in the past 12 months?

Beforepay Group Limited lowest share price was AU$1.18 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$85.65M.

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 25 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. Get more investment ideas with TipRanks Premium

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

Fundamentals

Return on Equity

―

Trailing 12-Months

Asset Growth

2.71%

Trailing 12-Months

Top Smart Score Stocks >

Company Description

Beforepay Group Limited

Established in 2019, Beforepay Group Limited is an Australian firm headquartered in Sydney that offers on-demand financial services. The company enables individuals to access early wages through pay advances, all conveniently managed via its mobile application platform across Australia.

Beforepay Group Limited (B4P) Earnings & Revenues

Historic Earnings Reports

B4P Stock 12 Month Forecast

Average Price Target

AU$2.90

▲(98.63% Upside)

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Detailed Analyst Forecast >