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Beforepay Group Limited (AU:B4P)
ASX:B4P
B4P Stock Chart & Stats
AU$1.30
AU$0.09(5.67%)
At close: 4:00 PM EST
AU$1.30
AU$0.09(5.67%)
Day’s Range― - ―
52-Week RangeAU$0.90 - AU$2.77
Previous CloseN/A
Volume13.13K
Average Volume (3M)148.47K
Market Cap
AU$64.49M
Enterprise ValueAU$93.13M
Total Cash (Recent Filing)AU$9.09M
Total Debt (Recent Filing)AU$32.76M
Price to Earnings (P/E)7.2
Beta0.23
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 Upside130.77% 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 And Operating MarginsBeforepay's exceptionally high gross margin and strong EBIT/EBITDA margins reflect a low-cost, fee-based digital delivery model. These margins are structurally durable for a platform that charges transaction fees and scales with low incremental cost, supporting long-term profitability if credit losses remain controlled.
Improving Profitability And Revenue GrowthRevenue growth paired with rising net margin and improved ROE indicates the business is translating top-line expansion into durable earnings. Sustained profitable growth strengthens reinvestment capacity and competitive positioning in wage-access fintech, supporting multi-month operational resilience.
Stronger Balance Sheet And Positive Operating Cash FlowImproved leverage metrics and a positive operating cash flow coverage ratio provide financial flexibility to fund operations and absorb shocks. A more balanced capital structure and OCF coverage enhance the firm's ability to invest in product and distribution over the medium term.
Bears Say
Weak Free Cash Flow GenerationSharp negative free cash flow growth and low FCF-to-net income limit the company's ability to self‑fund expansion, cushion losses, or return capital. Over a 2–6 month horizon, sustained weak FCF can force reliance on external funding, increasing cost sensitivity and execution risk.
Revenue Volatility In Prior YearsHistorical revenue fluctuations suggest demand or monetisation consistency is not fully stable. For a niche fintech, uneven sales can complicate forecasting, margin planning, and investment pacing, making medium-term strategic execution and forecasting more uncertain.
Exposure To Credit Performance And Funding CostsBeforepay's earnings depend on customer repayment behavior and access to affordable funding. Adverse credit trends or higher funding costs would structurally compress margins and raise capital needs, creating persistent operational risk in the 2–6 month horizon if macro or credit conditions deteriorate.
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$0.90 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$64.49M.
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 175 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 (130.77% Upside)
AU$3.00 (130.77% Upside)
Blogger Sentiment
Bullish
AU:B4P Sentiment 100%
Sector Average ―
Sector Average ―
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
▲(130.77% Upside)
Technical Analysis
Options Prices
Currently, No data available
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