Beforepay Group Limited (B4P) AI Stock Analysis

• Market Cap: AU$72.34M
• Dividend Yield: N/A
• Average Volume (3M): 46.51K
• Price to Earnings (P/E): 16.0
• Beta (1Y): 0.59
• Revenue Growth: 10.59%
• EPS Growth: N/A
• Country: AU
• Employees: 42
• Sector: Technology
• Sector Strength: 82
• Industry: Software - Infrastructure
• EPS (TTM): 0.05
• Shares Outstanding: 48,228,134
• 10 Day Avg. Volume: 22,148
• 30 Day Avg. Volume: 46,508
• PEG Ratio: 0.03
• Price to Book (P/B): 0.81
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -1.18
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: AU$2.15
• Price Target Upside: 43.33% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 67 Neutral
• Price Target: AU$1.50 ▲(0.00%Upside)

Beforepay Group Limited has a solid financial performance with notable revenue growth and improved profitability, although cash flow issues pose a risk. The stock shows positive technical momentum, suggesting investor confidence. The valuation is reasonable, making it an attractive option for growth-oriented investors.

Beforepay Group Limited Business Overview & Revenue Model

Company Description

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.

How the Company Makes Money

Beforepay Group Limited primarily generates revenue through transaction fees charged to users who access their paycheck early. Users pay a fixed percentage fee on the amount they choose to advance, which is automatically deducted when they receive their regular paycheck. Additionally, Beforepay may earn revenue from partnerships with financial institutions or employers who integrate their services as a financial wellness benefit for employees. The company's growth and earnings are influenced by user adoption rates, the volume of transactions processed, and the overall demand for flexible cash flow solutions.

Beforepay Group Limited Financial Statement Overview

Summary

Beforepay Group Limited exhibits strong revenue growth and profitability improvements, with effective cost management leading to high margins. However, cash flow challenges persist with negative free cash flow, indicating potential liquidity concerns despite improved profitability.

Income Statement

The company has shown a strong improvement in revenue, with a 15% growth rate from the previous year. Gross profit margin is high at 95.5%, indicating effective cost management. Net profit margin has turned positive at 10.9%, reflecting significant profitability improvements. EBIT and EBITDA margins are also positive at 28.9% and 24.9% respectively, showcasing operational efficiency gains.

Balance Sheet

The company maintains a debt-to-equity ratio of 1.24, which is moderate and suggests a balanced leverage position. Return on equity is 12.7%, indicating a reasonable return for shareholders. The equity ratio stands at 41.5%, reflecting a solid equity base relative to assets. However, the high total debt might pose a risk if not managed carefully.

Cash Flow

Free cash flow is negative but has improved from the previous year. Operating cash flow to net income ratio is negative, indicating challenges in converting earnings to cash. The free cash flow to net income ratio is also negative, suggesting potential liquidity issues despite improved profitability.

Breakdown
TTM	Jun 2024	Jun 2023	Jun 2022	Jun 2021	Jun 2020
Income Statement		Total Revenue
37.44M	35.31M	30.71M	15.28M	4.50M	44.78K
	Gross Profit
32.30M	33.73M	17.47M	13.41M	4.50M	44.78K
	EBIT
10.49M	8.26M	-4.49M	-27.50M	-4.04M	-1.54M
	EBITDA
10.08M	8.79M	-4.28M	-27.17M	-18.03M	-1.34M
	Net Income Common Stockholders
4.47M	3.86M	-6.64M	-29.14M	-19.60M	-1.49M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
18.26M	19.23M	21.78M	28.37M	50.72M	825.79K
	Total Assets
78.14M	73.49M	65.17M	57.89M	63.19M	1.64M
	Total Debt
39.40M	38.00M	33.69M	21.37M	7.01M	0.00
	Net Debt
21.14M	18.77M	11.91M	-7.00M	-43.71M	-825.79K
	Total Liabilities
42.52M	42.96M	38.35M	25.27M	8.41M	165.46K
	Stockholders Equity
35.62M	30.53M	26.83M	32.63M	54.78M	649.91K
Cash Flow		Free Cash Flow
-3.06M	-5.20M	-18.55M	-36.34M	-22.08M	-2.10M
	Operating Cash Flow
-2.98M	-4.04M	-18.53M	-36.20M	-21.85M	-1.68M
	Investing Cash Flow
-4.18M	-1.16M	-16.71K	-141.39K	-228.54K	-427.84K
	Financing Cash Flow
9.68M	2.65M	11.96M	54.70M	30.43M	2.09M

Beforepay Group Limited Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 1.50
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:B4P, the sentiment is Positive. The current price of 1.5 is above the 20-day moving average (MA) of 1.44, above the 50-day MA of 1.31, and above the 200-day MA of 1.25, indicating a bullish trend. The MACD of 0.06 indicates Positive momentum. The RSI at 59.46 is Neutral, neither overbought nor oversold. The STOCH value of 57.12 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for AU:B4P.

Beforepay Group Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	69 Neutral	¥226.56B	14.56	7.65%	2.68%	9.09%	8.68%
B4P	67 Neutral	AU$72.34M	15.97	13.68%	―	10.59%	―
EMCHF		$250.39M	32.33	7.22%	―	―	―
SPHRF		$23.66M	―	-43.63%	―	―	―
F5L		€119.79M	5.76	7.81%	6.35%	―	―
PPS	57 Neutral	AU$289.02M	27.88	9.89%	1.65%	23.52%	7.96%

Beforepay Group Limited Corporate Events

Beforepay Group Appoints New Chief Financial Officer

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 Acquires Substantial Stake in Beforepay Group

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 Announces Leadership Changes with CFO Resignation

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 Director Increases Stake with New Share Acquisition

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 Reports Record Q3 FY25 Profitability and Strategic Growth

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.