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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-0.04
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)0.18
Revenue Forecast (FY)AU$54.30M
Bulls Say, Bears Say
Bulls Say
High Margins And ProfitabilityVery high gross margin (96.15%) and healthy EBIT/EBITDA margins indicate strong unit economics and pricing power for the platform. These durable profitability characteristics support reinvestment in product and risk systems and reduce sensitivity to moderate funding cost shifts over months.
Improved Balance Sheet MetricsImproved leverage (debt/equity ~0.81), a >50% equity ratio and a rising ROE (17.14%) point to a more balanced capital structure. This gives the business durable financial flexibility to absorb shocks, support growth initiatives, and avoid overreliance on short-term funding.
Operating Cash Flow Turned PositiveOperating cash flow positive with a coverage ratio ~1.02 shows core operations now generate cash roughly in line with reported net income. That persistent operational cash generation underpins near-term liquidity and the ability to fund working capital and risk provisions without immediate external financing.
Bears Say
Weak Free Cash Flow ConversionSeverely negative free cash flow growth and a low FCF-to-net income ratio mean reported profits are not translating into durable free cash. Over a multi-month horizon this constrains capital allocation, limits organic investment capacity, and increases dependency on external funding for growth or buffer needs.
Concentrated Business Model & Credit ExposureRevenue concentration in a single pay-on-demand product and direct exposure to borrower repayment behavior creates structural risk. Adverse shifts in credit performance or regulatory changes affecting this product would materially and persistently reduce revenue and require higher loss provisioning or capital.
Historical Revenue VolatilityPrior-year revenue fluctuations suggest growth is not yet consistently stable. For a consumer-finance fintech, persistent variability undermines predictability of cash flows and loan-loss modeling, making multi-month planning, margin maintenance, and capital allocation more challenging.
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 43 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 63%
Sector Average 63%
Technicals
SMA
Positive
20 days / 200 days
Momentum
208.07%
12-Months-Change
Fundamentals
Return on Equity
―
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
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