Beforepay Group Limited (ASX:B4P)
Australia · Delayed Price · Currency is AUD | Market Cap | 100.09M +1.2% |
| Revenue (ttm) | 43.91M +17.2% |
| Net Income | 8.14M +82.2% |
| EPS | 0.16 +124.7% |
| Shares Out | 49.80M |
| PE Ratio | 12.57 |
| Forward PE | 5.21 |
| Dividend | n/a |
| Ex-Dividend Date | n/a |
| Volume | 112,475 |
| Open | 1.965 |
| Previous Close | 1.940 |
| Day's Range | 1.945 - 2.070 |
| 52-Week Range | 1.180 - 2.770 |
| Beta | 1.60 |
| Analysts | n/a |
| Price Target | n/a |
| Earnings Date | Jul 30, 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: H2 2026
FY 2026 delivered record growth in revenue, profitability, and loan originations, driven by Pay Advance repricing and rapid Personal Loan scaling. Net bad debts rose modestly but remain within expectations, and a new debt facility supports further expansion. FY 2027 is expected to see even stronger results.
Beforepay Group Annual report: H2 2026
Beforepay Group has published its H2 2026 annual report on August 24, 2026.
Beforepay Group Earnings release: H2 2026
Beforepay Group released its H2 2026 earnings on August 24, 2026, summarizing the period's financial results.
Beforepay Group Slides: H2 2026
Beforepay Group has posted slides in relation to its H2 2026 quarterly earnings report, which was published on August 24, 2026.
Beforepay Group Earnings Call Transcript: Q4 2026
Q4 FY 2026 saw record revenue and profit growth, driven by scaling personal loans and Pay Advance repricing. Operating expenses declined, margins improved, and the business is now focused on higher-value users. FY 2027 is expected to benefit further from these initiatives.
Beforepay Group Earnings release: Q4 2026
Beforepay Group released its Q4 2026 earnings on July 29, 2026, summarizing the period's financial results.
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 release: Q3 2026
Beforepay Group released its Q3 2026 earnings on April 27, 2026, summarizing the period's financial results.
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 Quarterly report: H1 2026
Beforepay Group has published its H1 2026 quarterly earnings report on February 25, 2026.
Beforepay Group Slides: H1 2026
Beforepay Group has posted slides in relation to its H1 2026 quarterly earnings report, which was published on February 25, 2026.
Beforepay Group Earnings release: H1 2026
Beforepay Group released its H1 2026 earnings on February 25, 2026, summarizing the period's financial results.
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 release: Q2 2026
Beforepay Group released its Q2 2026 earnings on January 27, 2026, summarizing the period's financial results.
Beforepay Group Slides: FY 2025
Beforepay Group has posted slides in relation to its FY 2025 quarterly earnings report, which was published on November 25, 2025.
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 release: Q1 2026
Beforepay Group released its Q1 2026 earnings on October 21, 2025, summarizing the period's financial results.
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 Annual report: H2 2025
Beforepay Group has published its H2 2025 annual report on August 25, 2025.
Beforepay Group Earnings release: H2 2025
Beforepay Group released its H2 2025 earnings on August 25, 2025, summarizing the period's financial results.
Beforepay Group Slides: H2 2025
Beforepay Group has posted slides in relation to its H2 2025 quarterly earnings report, which was published on August 25, 2025.