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$1.11 - AU$2.77
Previous CloseN/A
Volume13.13K
Average Volume (3M)148.47K
Market Cap
AU$73.70M
Enterprise ValueAU$97.37M
Total Cash (Recent Filing)AU$9.09M
Total Debt (Recent Filing)AU$32.76M
Price to Earnings (P/E)7.2
Beta-0.07
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 Upside105.48% 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
Very High Gross MarginsBeforepay's extremely high gross margin reflects a low variable-cost, digital-first wage‑access model that scales revenue without proportional cost increases. Sustained margins support reinvestment in product and marketing, improving long-term unit economics and profitability resilience.
Consistent Revenue GrowthSteady revenue growth indicates continued uptake of earned‑wage access and related lending products. Given app-based distribution and recurring transaction fees, this trend supports durable top-line expansion and network effects in customer acquisition over the medium term.
Positive Operating Cash Flow CoveragePositive operating cash flow coverage shows core operations generate sufficient cash to cover net income, reducing near-term external funding dependence. This improves balance‑sheet flexibility to support growth, manage working capital, and fund product development over the next several quarters.
Bears Say
Weak Free Cash Flow GenerationSeverely negative free cash flow growth limits the company’s ability to invest organically, pay down debt, or build reserves. Even with positive operating cash flow, low FCF conversion constrains capital allocation and makes funding future expansion or cushions against shocks more difficult.
Revenue Volatility HistoryHistorical revenue volatility implies demand or execution sensitivity, complicating forecasting and long‑term planning. For a model built on frequent small transactions, variability increases marketing and credit deployment risk and can pressure margins during growth lulls.
Business Model Sensitivity To Credit & FundingFee‑based short‑term credit exposes Beforepay to credit loss cycles and funding‑cost shifts. Rising defaults or higher funding costs reduce net yields and require either higher fees or tighter underwriting, which can slow growth and compress durable margins over time.
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$1.11 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$73.70M.
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 127 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 (105.48% Upside)
AU$3.00 (105.48% 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$3.00
▲(105.48% Upside)
Technical Analysis
Options Prices
Currently, No data available
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