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Beforepay Group(ASX) B4P

Market CapA$85.65MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2022)-10%
5 YearN/A
1 Year-17%
1 Month+42%
A$1.72
+7.50%
+0.12Today
Beforepay Group last closing stock price
MetricPriceDate
Last closeAUD 1.722026-07-31
Beforepay Group stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+34.37%AUD 1.282026-07-24
1 month+42.15%AUD 1.212026-07-01
3 month+22.86%AUD 1.402026-05-01
Year to date-30.36%AUD 2.472025-12-31
1 year-16.5%AUD 2.062025-07-31
3 year+244%AUD 0.502023-08-01
Since inception-9.71%AUD 1.912022-01-17

Beforepay Group Financials at a Glance

Market Cap

A$85.65MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

A$81.32M

Net Income (TTM)

A$12.61M

EPS (TTM)

A$0.15

P/E Ratio

10.27

Dividend

A$0.00

Beta (Volatility)

0.32 (Low)

Price

A$1.72

Volume

95,034

Open

A$1.65

Previous Close

A$1.72

Daily Range

A$1.65 - A$1.81

52-Week Range

A$1.18 - A$2.77

Estimated Earnings Date

Sep 1, 2026

B4P News

No articles available.

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About Beforepay Group

Beforepay Group Limited is an Australian financial services company that specializes in providing on-demand access to early wages through its innovative mobile application. Established in 2019 and headquartered in Sydney, the company aims to enhance financial flexibility for individuals across Australia.

Products and Services
  • On-demand wage access through a user-friendly mobile app
  • Financial management tools to help users track earnings
  • Flexible repayment options tailored to individual needs
Growth Outlook
  • Revenue increased to AUD 23.36 million in the latest quarter
  • Net income reached AUD 4.21 million, reflecting strong operational performance
  • Significant user growth expected as demand for financial flexibility rises
Financial Highlights
  • Trailing twelve months (TTM) revenue of AUD 76.5 million
  • Operating income margin at 25.7%, indicating efficient cost management
  • Current ratio of 2.06, showcasing strong liquidity position
Beforepay Group Limited has demonstrated robust growth in its financial performance, with a notable increase in revenue and net income in the most recent quarter. The company's innovative approach to providing early wage access positions it well in a market that increasingly values financial flexibility. With a strong operating income margin and a solid liquidity position, Beforepay is poised for continued growth as it expands its user base and enhances its service offerings. The demand for on-demand financial services is expected to rise, further supporting the company's growth trajectory.
AI Generated • Jul 22, 2026

Industry

Consumer Finance

CEO

James Spencer Twiss, MBA

Headquarters

Sydney, NSW 2000, AU

B4P Financials

Key Financial Metrics (TTM)

Gross Margin

82.48%

Operating Margin

28.48%

Net Income Margin

18.55%

Return on Equity

19.44%

Return on Capital

14.52%

Return on Assets

10.14%

Earnings Yield

9.74%

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

A$85.65MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

49.80M

Volume

95.03K

Avg. Volume

41.96K

Financials (TTM)

Gross Profit

A$68.50M

Operating Income

A$23.10M

EBITDA

A$23.18M

Operating Cash Flow

-A$1.45M

Capital Expenditure

-A$164.83K

Free Cash Flow

-A$1.61M

Cash & ST Invst.

A$9.09M

Total Debt

A$32.76M

Beforepay Group Performance Analysis

Beforepay Group annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-06-30AUD 15,275,910N/A
20232023-06-30AUD 30,709,142101.0%
20242024-06-30AUD 35,313,32215.0%
20252025-06-30AUD 40,165,01313.7%
Beforepay Group sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q42024-06-300.2%
Q22024-12-3111.8%
Q42025-06-303.9%
Q22025-12-3113.8%
Beforepay Group annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-06-30AUD -0.63N/A
20232023-06-30AUD -0.14-77.2%
20242024-06-30AUD 0.07N/A
20252025-06-30AUD 0.1380.0%
Beforepay Group sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q42024-06-30-45.6%
Q22024-12-31114.7%
Q42025-06-3038.3%
Q22025-12-312.9%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

A$23.36M

+32.5%

Gross Profit

A$16.50M

+39.0%

Gross Margin

70.63%

N/A

Market Cap

A$85.65MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

A$1.99M

N/A

Employees

43

N/A

Net Income

A$4.21M

+90.4%

EBITDA

A$6.77M

+53.0%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

A$9.09M

-51.8%

Total Debt

A$32.76M

+2.1%

Accounts Receivable

A$61.93M

+34.7%

Inventory

A$0.00

N/A

Long Term Debt

A$1.69M

-94.7%

Short Term Debt

A$31.07M

+14995.3%

Return on Assets

10.14%

N/A

Return on Invested Capital

27.61%

N/A

Free Cash Flow

-A$3.57M

-180.9%

Operating Cash Flow

-A$3.54M

-180.1%

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Questions About B4P

What is the current price of Beforepay Group?

Beforepay Group is trading at A$1.72 per share.

What is the 52-week range for Beforepay Group?

Over the past 52 weeks, Beforepay Group has traded between A$1.18 and A$2.77.

How much debt does Beforepay Group have?

As of the most recent reporting period, Beforepay Group reported total debt of A$31.91M.

How much cash does Beforepay Group have on hand?

Beforepay Group reported A$14.01M in cash and cash equivalents in its most recent financial results.

What is Beforepay Group’s dividend yield?

Beforepay Group does not currently have a dividend yield.

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