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Beforepay Group Limited
(Sydney:B4P)
Beforepay Group Limited (B4P) vs. iShares MSCI Australia ETF (EWA)
Beforepay Group Limited Business Overview & Revenue Model
Beforepay Group Limited Financial Statement Overview
| Breakdown | Jun 2024 | Jun 2023 | Jun 2022 | Jun 2021 | Jun 2020 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 35.31M | 30.71M | 15.28M | 4.50M | 44.78K |
| Gross Profit | 33.73M | 17.47M | 13.41M | 4.50M | 44.78K |
| EBITDA | 8.79M | -4.28M | -27.17M | -18.03M | -1.34M |
| Net Income | 3.86M | -6.64M | -29.14M | -19.60M | -1.49M |
Balance Sheet | |||||
| Total Assets | 73.49M | 65.17M | 57.89M | 63.19M | 1.64M |
| Cash, Cash Equivalents and Short-Term Investments | 19.23M | 21.78M | 28.37M | 50.72M | 825.79K |
| Total Debt | 38.00M | 33.69M | 21.37M | 7.01M | 0.00 |
| Total Liabilities | 42.96M | 38.35M | 25.27M | 8.41M | 165.46K |
| Stockholders Equity | 30.53M | 26.83M | 32.63M | 54.78M | 649.91K |
Cash Flow | |||||
| Free Cash Flow | -5.20M | -18.55M | -36.34M | -22.08M | -2.10M |
| Operating Cash Flow | -4.04M | -18.53M | -36.20M | -21.85M | -1.68M |
| Investing Cash Flow | -1.16M | -16.71K | -141.39K | -228.54K | -427.84K |
| Financing Cash Flow | 2.65M | 11.96M | 54.70M | 30.43M | 2.09M |
Beforepay Group Limited Technical Analysis
Beforepay Group Limited Peers Comparison
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
64 Neutral | AU$78.66M | 17.36 | 13.68% | ― | 10.59% | ― | |
63 Neutral | $34.60B | 5.43 | -11.64% | 1.84% | 5.30% | -18.55% | |
| ― | $95.98M | ― | -11.11% | ― | ― | ― | |
52 Neutral | AU$168.83M | ― | -18.28% | ― | 36.49% | 47.06% | |
44 Neutral | AU$32.31M | ― | -51.72% | ― | 71.82% | -19.35% | |
41 Neutral | AU$16.80M | ― | -37.01% | ― | 32.38% | 69.11% |
Beforepay Group Limited Corporate Events
Beforepay Group Limited announced the cessation of 24,690 securities due to the lapse of conditional rights, as the conditions were not met or became incapable of being satisfied. This cessation may impact the company’s issued capital and could have implications for its stakeholders regarding the company’s financial strategy and market positioning.
The most recent analyst rating on (AU:B4P) stock is a Buy with a A$2.15 price target. To see the full list of analyst forecasts on Beforepay Group Limited stock, see the AU:B4P Stock Forecast page.
Beforepay Group Limited has announced a change in the interests of a substantial holder, Guo Fang Mao, through Jopean Pty Ltd as trustee for the Jopean Trust. The substantial holder’s voting power has decreased from 8.48% to 5.54% following an on/off market sale of 1,320,129 shares for $1,810,941.58. This change in shareholding could impact the company’s shareholder dynamics and influence within the company.
The most recent analyst rating on (AU:B4P) stock is a Buy with a A$1.75 price target. To see the full list of analyst forecasts on Beforepay Group Limited stock, see the AU:B4P Stock Forecast page.
Beforepay Group Ltd has experienced a change in the interests of its substantial holder, Regal Funds Management Pty Limited and its associates. The changes involve various acquisitions of ordinary shares, impacting the voting power held by Regal Funds Management and its associates, which could influence the company’s governance and decision-making processes.
The most recent analyst rating on (AU:B4P) stock is a Buy with a A$1.75 price target. To see the full list of analyst forecasts on Beforepay Group Limited stock, see the AU:B4P Stock Forecast page.
Carrington Labs, a division of Beforepay Group Limited, has secured a contract to provide credit risk-modeling services to Doc2Doc Lending Inc., a US-based lender catering to medical professionals. This partnership marks a significant step in Carrington Labs’ international expansion strategy, particularly in the US market, and enhances its reputation in credit-risk analytics. The agreement, structured as a software-as-a-service license, underscores the company’s growing influence and credibility in the financial technology sector.
The most recent analyst rating on (AU:B4P) stock is a Buy with a A$1.75 price target. To see the full list of analyst forecasts on Beforepay Group Limited stock, see the AU:B4P Stock Forecast page.
Beforepay Group Limited has issued 29,052 fully paid ordinary shares following the exercise of options, without requiring disclosure under specific provisions of the Corporations Act. This move, authorized by the Board, highlights Beforepay’s compliance with regulatory requirements and supports its operational strategy, potentially enhancing its market positioning and stakeholder confidence.
The most recent analyst rating on (AU:B4P) stock is a Buy with a A$1.75 price target. To see the full list of analyst forecasts on Beforepay Group Limited stock, see the AU:B4P Stock Forecast page.
Beforepay Group Limited has announced a new application for the quotation of 29,052 ordinary fully paid securities on the Australian Securities Exchange (ASX) under the code B4P, effective June 30, 2025. This move could potentially enhance the company’s market presence and provide additional capital for growth, impacting its operations and positioning within the fintech industry.
The most recent analyst rating on (AU:B4P) stock is a Buy with a A$1.75 price target. To see the full list of analyst forecasts on Beforepay Group Limited stock, see the AU:B4P Stock Forecast page.
Carrington Labs, a division of Beforepay Group Limited, has expanded into the US banking market by signing a service agreement with Utah-based CCBank to provide credit-risk modeling and cash-flow underwriting services. This move aligns with Carrington Labs’ strategy to build a diversified US client base and showcases the scalability of its AI models in the regulated US banking environment, although it is not expected to significantly impact FY25 earnings.
The most recent analyst rating on (AU:B4P) stock is a Buy with a A$1.75 price target. To see the full list of analyst forecasts on Beforepay Group Limited stock, see the AU:B4P Stock Forecast page.
Beforepay Group Limited has appointed Laavanya Pari as its new Chief Financial Officer, effective 11 August 2025. With over 20 years of experience in finance and leadership across various industries, Ms. Pari’s appointment comes at a strategic time as the company continues to see success with its Pay Advance product and expansion into personal loans. Her leadership is expected to enhance Beforepay’s operations and contribute to its growth momentum, particularly in its Carrington Labs division.
The most recent analyst rating on (AU:B4P) stock is a Buy with a A$1.75 price target. To see the full list of analyst forecasts on Beforepay Group Limited stock, see the AU:B4P Stock Forecast page.
Regal Funds Management Pty Ltd has become a substantial holder in Beforepay Group Ltd, holding a 6.15% voting power with 2,965,743 ordinary shares. This development indicates a significant investment and potential influence by Regal Funds Management in Beforepay Group Ltd, which could impact the company’s strategic decisions and market positioning.
The most recent analyst rating on (AU:B4P) stock is a Buy with a A$1.75 price target. To see the full list of analyst forecasts on Beforepay Group Limited stock, see the AU:B4P Stock Forecast page.
Beforepay Group Limited announced the resignation of Elena Chan from her roles as Acting CFO, Chief Risk Officer, General Counsel, and Joint Company Secretary, effective August 1, 2025, as she transitions to a new position outside the company. Shreya Prakash has been appointed as Interim CFO, bringing her experience from leading the company’s accounting and reporting since 2021. This change is part of a strategic transition for the company, which will conduct a search for a permanent successor, potentially impacting its operational continuity and stakeholder relations.
Beforepay Group Limited has announced a change in the director’s interest, with Daniel Moss acquiring an additional 26,924 ordinary fully paid shares through an on-market trade, valued at $35,364.96. This change reflects a strategic move in the company’s leadership, potentially impacting its market positioning and signaling confidence in its financial strategies.
Beforepay Group Limited announced a record-breaking Q3 FY25 with significant profitability and growth. The company achieved a quarterly net profit before tax of $1.1 million, tripling the previous year’s figure, and an EBITDA of $2.7 million. Advances increased by 16% year-on-year, supported by optimized marketing strategies, while net defaults decreased to 1.26%. The company also reported a strong balance sheet and continued its strategic expansion with a new partnership for Carrington Labs and the introduction of a revolving sub-limit to manage funding costs efficiently. These developments highlight Beforepay’s robust operational performance and strategic positioning in the fintech industry.