Beforepay Group Limited (AU:B4P)
ASX:B4P
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B4P Stock Chart & Stats
AU$1.46
AU$0.09(5.67%)
At close: 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$62.99M
Enterprise ValueAU$88.40M
Total Cash (Recent Filing)AU$9.09M
Total Debt (Recent Filing)AU$32.76M
Price to Earnings (P/E)7.6
Beta-0.06
Next Earnings
Sep 01, 2026EPS 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$2.70Price Target Upside84.93% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)0.15
Revenue Forecast (FY)AU$48.40M
Bulls Say, Bears Say
Bulls Say
Very High Gross MarginA 96.15% gross margin indicates the core Beforepay product is highly capital-light with minimal incremental cost per transaction. Structurally high gross margins support durable profitability as volumes scale, allowing reinvestment, margin cushions for credit losses, and long-term operating leverage.
Strong Operating ProfitabilityHealthy EBIT (25.6%), EBITDA (28.13%) and improved net margin (16.79%) signal an efficient cost base and pricing power. Sustained operating margins provide a durable buffer to absorb higher funding or credit costs, support reinvestment in growth, and improve the ability to scale profitably over the medium term.
Improved Balance Sheet And ROEAn improved debt-to-equity of 0.81, ROE at 17.14% and equity ratio ~52% reflect a more balanced leverage profile and respectable returns on capital. This structural strength increases financial flexibility to fund growth, absorb credit shocks, and reduces immediate refinancing pressure across a multi-month horizon.
Bears Say
Weak Free Cash Flow GenerationFree cash flow falling sharply (-143.95%) with FCF covering only 28% of net income shows earnings are not translating into durable cash. This constrains self-funded investment, raises reliance on external funding for growth, and heightens liquidity and execution risk if credit losses or funding costs rise over the medium term.
Revenue Growth VolatilityWhile latest-year revenue rose 7.29%, documented historical fluctuations create uncertainty in achievable scale. Inconsistent top-line growth makes planning and achieving cost amortization harder, increasing execution risk for maintaining margins and funding required product/market expansion over several quarters.
Earnings Exposed To Loan Book PerformanceReliance on advances and consumer repayment behaviour makes profitability sensitive to credit performance and macro employment dynamics. Structural exposure to credit risk requires conservative underwriting, reserves and capital; adverse cycles could materially reduce margins and force higher funding or provisioning.
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$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$62.99M.
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 78 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$2.70 (84.93% Upside)
AU$2.70 (84.93% Upside)
Blogger Sentiment
Bullish
AU:B4P Sentiment 100%
Sector Average ―
Sector Average ―
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
208.07%
12-Months-Change
Fundamentals
Return on Equity
19.44%
Trailing 12-Months
Asset Growth
2.71%
Trailing 12-Months
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.
B4P Stock 12 Month Forecast
Average Price Target
AU$2.70
▲(84.93% Upside)
Technical Analysis
Options Prices
Currently, No data available
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