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Beforepay Group Limited (AU:B4P)
ASX:B4P
B4P Stock Chart & Stats
AU$1.66
AU$0.09(5.67%)
At close: 4:00 PM EST
AU$1.66
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$82.41M
Enterprise ValueAU$97.76M
Total Cash (Recent Filing)AU$14.01M
Total Debt (Recent Filing)AU$31.91M
Price to Earnings (P/E)11.7
Beta0.07
Next Earnings
Feb 23, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.07
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 Upside80.72% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
High Gross And Improved Net MarginsSustained very high gross margins indicate a low variable-cost, scalable digital product mix and pricing power for the wage-access model. The improved net margin shows operational leverage and expense control, supporting durable profitability if customer unit economics remain stable.
Improved Leverage And Solid ROEA lower debt-to-equity and ~52% equity ratio reduce solvency risk while a 17% ROE signals effective equity deployment. This stronger capital structure increases financial flexibility to fund growth or absorb shocks, supporting stability over the medium term.
Operating Cash Flow Turned PositivePositive operating cash flow and a coverage ratio around 1.0 show the business is beginning to convert earnings into cash. That improves liquidity and reduces near-term financing needs, enabling continued investment in product and customer acquisition if the trend persists.
Bears Say
Sharply Negative Free Cash Flow GrowthSeverely negative FCF growth and low FCF-to-income constrain the company's ability to self-fund expansion, capex, or build reserves. Over months this raises reliance on external funding, increasing financing risk and potentially limiting long-term strategic investments.
Inconsistent Revenue Growth HistoryHistoric revenue volatility makes forecasting and scaling investments harder. For a fintech reliant on repeat customer behaviour, inconsistent growth elevates execution risk and complicates margin sustainability planning across 2–6 months.
Business Exposed To Credit And Funding RisksRevenue and profits depend on repayment rates and external funding costs. Deterioration in credit performance or higher funding expense would structurally compress margins and cash flow, making the business sensitive to macro and credit-cycle changes over the medium term.
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$82.41M.
When is Beforepay Group Limited’s upcoming earnings report date?
Beforepay Group Limited’s upcoming earnings report date is Feb 23, 2026 which is in 6 days.
How were Beforepay Group Limited’s earnings last quarter?
Beforepay Group Limited released its earnings results on Aug 25, 2025. The company reported AU$0.074 earnings per share for the quarter, beating the consensus estimate of N/A by AU$0.074.
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$0.074 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 1.463%.
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 (80.72% Upside)
AU$3.00 (80.72% Upside)
Blogger Sentiment
Bullish
AU:B4P Sentiment 100%
Sector Average 69%
Sector Average 69%
Insider Transactions
Sold Shares
Worth AU$108.0K over
the Last 3 Months
the Last 3 Months
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
▲(80.72% Upside)
Technical Analysis
Options Prices
Currently, No data available
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