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$1.12 - AU$2.77
Previous CloseN/A
Volume13.13K
Average Volume (3M)148.47K
Market Cap
AU$73.45M
Enterprise ValueAU$97.12M
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$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
High Gross Margin And ProfitabilityA 96% gross margin and mid-teens net margin indicate durable unit economics and pricing power in its pay-on-demand model. High margin structure supports reinvestment in product and risk systems, sustains profitability through scaling, and provides cushion versus cost shocks.
Consistent Revenue GrowthOngoing revenue expansion reflects increasing product adoption and deeper customer penetration of Beforepay’s pay-on-demand service. Durable top-line growth supports economies of scale in operations and underwriting, enabling reinvestment in tech and customer acquisition over months to years.
Improved Leverage And Solid ROELower leverage and a ~17% ROE indicate better capital efficiency and a stronger balance sheet buffer. Improved gearing reduces refinancing and liquidity risk, enabling continued investment in product, technology and credit models without unduly stressing capital structure.
Bears Say
Weak Free Cash Flow ConversionSharp negative FCF growth and low FCF-to-income mean earnings are not yet converting into durable cash for investment or buffers. Over months this constrains capital allocation, can force external funding for growth, and raises vulnerability to funding cost increases.
Credit Exposure Via Loan/advance BookRevenue and profitability hinge on consumer repayment behavior in the advance book. Structural credit risk from delinquency or macro stress can raise loss rates and funding costs, making earnings and capital needs sensitive to credit cycles and underwriting effectiveness.
Historical Revenue Growth VolatilityPast swings in revenue growth suggest sensitivity to adoption, retention, or market conditions. This persistent volatility complicates forecasting, capital planning and margin sustainability, increasing execution risk for scaling underwriting and customer acquisition strategies.
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$1.12 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$73.45M.
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 121 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
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$2.70
▲(84.93% Upside)
Technical Analysis
Options Prices
Currently, No data available
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