Beforepay Group Limited (ASX:B4P)
Australia · Delayed Price · Currency is AUD | Market Cap | 77.19M +54.6% |
| Revenue (ttm) | 43.91M +17.2% |
| Net Income | 8.14M +82.2% |
| EPS | 0.16 +124.7% |
| Shares Out | 49.80M |
| PE Ratio | 9.70 |
| Forward PE | 8.42 |
| Dividend | n/a |
| Ex-Dividend Date | n/a |
| Volume | 6,989 |
| Average Volume | 24,961 |
| Open | 1.550 |
| Previous Close | 1.550 |
| Day's Range | 1.475 - 1.550 |
| 52-Week Range | 1.110 - 2.770 |
| Beta | 1.67 |
| RSI | 49.08 |
| Earnings Date | Apr 28, 2026 |
About Beforepay Group
Beforepay Group Limited provides finance to its customers by way of pay on demand advances. It offers Beforepay that allows customers to access short-term loans through its pay advance and personal loan products to manage short-term cash flow challenges; and Carrington Labs, which provides cash flow underwriting and credit risk analytics solutions. The company was incorporated in 2019 and is based in Sydney, Australia. [Read more]
Financial Performance
In fiscal year 2025, Beforepay Group's revenue was 40.28 million, an increase of 13.95% compared to the previous year's 35.35 million. Earnings were 6.74 million, an increase of 74.49%.
Financial StatementsNews
Beforepay Group Earnings Call Transcript: Q3 2026
Solid year-over-year growth in advances and revenue, improved credit quality, and a successful ramp-up of personal loans marked Q3. Operating leverage is expected to improve as costs stabilize, with refinancing of the debt facility underway.
Beforepay Group Earnings Call Transcript: H1 2026
NPAT rose 50% year-over-year to AUD 4.2 million, driven by strong lending growth and margin optimization. Advances grew 18%, with improved profitability and ongoing investment in Personal Loans and Carrington Labs. Cash position remains healthy at AUD 9.1 million.
Beforepay Group Earnings Call Transcript: Q2 2026
Q2 delivered 18% year-over-year revenue growth and strong advances, despite seasonal margin compression from higher defaults. Strategic initiatives, especially Carrington Labs and personal loans, made notable progress, with continued investment expected.
Beforepay Group Earnings Call Transcript: Q1 2026
Record quarterly profit of $3.4M driven by focus on higher value, lower risk customers and strong cost control. Revenue rose 20% year-over-year, net defaults remained low, and growth initiatives in personal loans and Carrington Labs are progressing, though Carrington Labs revenue is not yet material.
Beforepay Group Earnings Call Transcript: H2 2025
Net profit after tax rose 74% to AUD 6.7 million, driven by strong lending growth, improved margins, and a declining default rate. Carrington Labs saw transformative commercial momentum, while personal loans are set for expansion in FY2026.
Beforepay Group Earnings Call Transcript: Q4 2025
Record Q4 profit before tax of AUD 2.4 million, up 76% year-over-year, driven by strong growth, disciplined credit, and margin management. Carrington Labs signed its first U.S. clients and is poised for further expansion, with robust funding and a strong balance sheet.
Beforepay Group Earnings Call Transcript: Q3 2025
Q3 saw robust top-line growth, a tripling of net profit year-on-year, and improved default rates. Strong cash and equity positions support ongoing investment, while new partnerships and product rollouts position the business for further expansion.
Beforepay Group Earnings Call Transcript: Q2 2025
Achieved record profit before tax of AUD 1.1 million, up 95% year-on-year, and revenue of AUD 10.2 million in Q2 FY25. Active users surpassed 257,000, while new products and AI initiatives showed promising early results.