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$64.74M
Enterprise ValueAU$90.15M
Total Cash (Recent Filing)AU$9.09M
Total Debt (Recent Filing)AU$32.76M
Price to Earnings (P/E)7.8
Beta-0.03
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 And Operating MarginsSustained very high gross margin and healthy EBIT/EBITDA margins indicate a scalable, low-cost delivery model and pricing power. These margins provide durable cushion against credit losses or higher funding costs and support reinvestment in product and underwriting capabilities over months.
Improved Leverage And Solid ROEAn improved debt-to-equity of 0.81 and ROE of 17.14% reflect stronger capital structure and efficient use of equity. This steadier leverage profile and healthy ROE enhance financial flexibility and resilience when funding advances or scaling operations over the next several months.
Operating Cash Flow Turned PositivePositive operating cash flow with coverage ~1.02 shows core operations now generate cash to cover net income. This improves near-term liquidity for underwriting and daily operations, reducing reliance on short-term external funding for ongoing business activity.
Bears Say
Weak Free Cash Flow GenerationVery negative FCF growth and a low FCF-to-net-income ratio signal limited cash conversion from reported profits. This constrains capital for product investment, marketing or provisioning and may force external funding to sustain growth or absorb credit shocks in the medium term.
Historical Revenue VolatilityPast fluctuations in revenue growth create forecasting and operational risk. In a fee-driven, consumer-facing business this can reflect sensitivity to employment cycles or demand shifts, complicating capacity planning and margin preservation across the next 2-6 months.
Earnings Exposed To Loan/advance PerformanceRevenue and profitability depend on borrower repayment behavior and credit losses inherent in pay-on-demand advances. Deterioration in consumer credit or rising defaults would directly pressure margins and require higher provisions, a structural sensitivity for the business model.
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$64.74M.
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 64 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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