Beforepay Group Limited (AU:B4P)
ASX:B4P
B4P Stock Chart & Stats
AU$1.42
AU$0.09(5.67%)
At close: 4:00 PM EST
AU$1.42
AU$0.09(5.67%)
Day’s Range― - ―
52-Week RangeAU$0.99 - AU$2.77
Previous CloseN/A
Volume13.13K
Average Volume (3M)148.47K
Market Cap
AU$70.96M
Enterprise ValueAU$91.39M
Total Cash (Recent Filing)AU$9.09M
Total Debt (Recent Filing)AU$32.76M
Price to Earnings (P/E)7.2
Beta-0.16
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 Upside111.27% 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
High Gross Margins And Improving Net MarginVery high gross margin (96.15%) and improved net margin (16.79%) reflect a fee-based, low-overhead digital lending model. Durable margin advantage supports reinvestment, cushions against cost increases, and enables sustainable profitability if credit losses remain controlled.
Positive Operating Cash FlowOperating cash flow turned positive with a coverage ratio of 1.02, showing core operations now produce cash to cover net income. This supports medium-term liquidity, reduces reliance on external funding, and provides a foundation to fund growth or reduce leverage over the coming months.
Improved Leverage And Strong ROEDebt-to-equity has improved to 0.81 and ROE sits at 17.14% with an equity ratio ~52%, indicating more balanced leverage and efficient use of equity. This financial posture increases resilience, preserves strategic optionality, and supports sustainable capacity for investment or cycle management.
Bears Say
Severely Negative Free Cash Flow GrowthFree cash flow contracted sharply (-143.95%) and FCF-to-net income is only 0.28, indicating limited cash left after investments. Persistent negative FCF growth constrains the company's ability to fund product development, marketing or debt repayment without external financing, pressuring long-term options.
Revenue Growth Volatility In Prior YearsReported fluctuations in revenue growth signal inconsistent top-line momentum. Variable revenue increases planning uncertainty, can stress unit economics tied to scale, and elevates execution risk for sustaining margins and marketing ROI across a multi-month horizon.
Business Exposed To Credit And Funding RisksBeforepay's fee-based, short-term lending model makes earnings sensitive to repayment performance and funding costs. Structural increases in credit losses or funding rates would directly compress margins and limit growth without higher pricing or capital, creating medium-term margin risk.
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$0.99 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$70.96M.
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 144 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 (111.27% Upside)
AU$3.00 (111.27% Upside)
Blogger Sentiment
Bullish
AU:B4P Sentiment 100%
Sector Average 68%
Sector Average 68%
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
▲(111.27% Upside)
Technical Analysis
Options Prices
Currently, No data available
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