B4P · ASX

Beforepay Group Limited (ASX:B4P)

AU$1.23

 -0.165 (-11.871%)
ASX:Live
01/05/2025 11:28:30 AM
Recent Earnings downgrade HALO Price Momentum HALO Ords HALO MQV HALO Momentum +6
Consensus Score
/10
Recommend
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B4P Overview

B4P Health Scores

Short Term

Mean Reversion

Neutral

Trend

Neutral

Event

Neutral

Halo Model

MQV

Very Weak

GARP

Weak

MQV Small

Neutral

Valuation

Value

Consensus

Momentum

Price

Very Weak

Earnings

Strong

Growth

Earnings

Neutral

Dividends

Very Strong

Quality

Capital Efficiency

Very Weak

Balance Sheet

Very Strong

About B4P

Website

N/A

Telephone

N/A

Address

Suite 1, Level 9 77 Castlereagh Street Sydney, New South Wales (NSW) 2000

Description

Beforepay Group Ltd. provides online payment services through mobile application. It offers consumers to manage their personal finances, offering additional access to pay earlier, without having to rely on credit cards or other forms of revolving debt. The firm product is designed to support customers who do not want to live beyond their means or accumulate revolving debt, but may need a bit of breathing room until they receive their next pay. The company was founded by Tarek Ayoub and Guo Mao Dean in 2019 and is headquartered in Sydney, Australia.

B4P Price Chart

Key Stats

Market Cap

AU$60.29M

PE

9.60

EV/EBITDA

6.4

Dividends Overview

DIV Yield

.0%

Franking

N/A

Ex Dividend Date (est.)

N/A

Market Data

52 weeks range

Low 0.46 - 1.85

Trade Value (12mth)

AU$16,531.00

1 week

15.83%

1 month

32.38%

YTD

-9.15%

1 year

131.67%

All time high

2.51

Key Fundamentals

EPS 3 yr Growth

-117.60%

EBITDA Margin

25.00%

Operating Cashflow

-$4m

Free Cash Flow Return

-8.50%

ROIC

8.10%

Interest Coverage

2.00

Quick Ratio

13.40

Other Data

Shares on Issue (Fully Dilluted)

52m

HALO Sector

Technology

Next Company Report Date

02-Sep-25

Ex Dividend Date (est.)

N/A

Next Dividend Pay Date (est.)

N/A

Reporting Currency

AUD

Short Sell (% of issue)

0.08

B4P Announcements

Latest Announcements

Date Announcements

29 April 25

Q3FY25 Quarterly Activities and Appendix 4C Cash Flow Report

×

Q3FY25 Quarterly Activities and Appendix 4C Cash Flow Report

22 April 25

Q3 FY25 Appendix 4C Release Date and Investor Webinar

×

Q3 FY25 Appendix 4C Release Date and Investor Webinar

17 April 25

Debt Facility Amendment - A$7.5 Million Revolving Sub-limit

×

Debt Facility Amendment - A$7.5 Million Revolving Sub-limit

19 March 25

Application for quotation of securities - B4P

×

Application for quotation of securities - B4P

19 March 25

Cleansing Notice

×

Cleansing Notice

27 February 25

Appendix 4D and Half Year Report

×

Appendix 4D and Half Year Report

27 February 25

Beforepay Half Year Results to 31 December 2024

×

Beforepay Half Year Results to 31 December 2024

27 February 25

H1 FY25 Investor Presentation

×

H1 FY25 Investor Presentation

20 February 25

Half Year FY25 Results - Investor Webinar

×

Half Year FY25 Results - Investor Webinar

30 January 25

Q2FY25 Quarterly Activities and Appendix 4C Cash Flow Report

×

Q2FY25 Quarterly Activities and Appendix 4C Cash Flow Report

23 January 25

Q2 FY25 Appendix 4C Release Date and Investor Webinar

×

Q2 FY25 Appendix 4C Release Date and Investor Webinar

20 November 24

Annual General Meeting Presentation

×

Annual General Meeting Presentation

20 November 24

Results of Meeting

×

Results of Meeting

15 November 24

Withdrawal of Resolution 3 at 2024 Annual General Meeting

×

Withdrawal of Resolution 3 at 2024 Annual General Meeting

11 November 24

Application for quotation of securities - B4P

×

Application for quotation of securities - B4P

31 October 24

Beforepay Group Launches New Personal Loan Product

×

Beforepay Group Launches New Personal Loan Product

22 October 24

Q1FY25 Quarterly Activities and Appendix 4C Cash Flow Report

×

Q1FY25 Quarterly Activities and Appendix 4C Cash Flow Report

22 October 24

Notification of cessation of securities - B4P

×

Notification of cessation of securities - B4P

18 October 24

Notice of Annual General Meeting/Proxy Form

×

Notice of Annual General Meeting/Proxy Form

15 October 24

Q1 FY25 Appendix 4C Release Date and Investor Webinar

×

Q1 FY25 Appendix 4C Release Date and Investor Webinar

27 September 24

Change of Director's Interest Notice - B Hartzer

×

Change of Director's Interest Notice - B Hartzer

27 September 24

Change of Director's Interest Notice - P Tuttle

×

Change of Director's Interest Notice - P Tuttle

27 September 24

Change of Director's Interest Notice - D Moss

×

Change of Director's Interest Notice - D Moss

27 September 24

Change of Director's Interest Notice - S Urosevic

×

Change of Director's Interest Notice - S Urosevic

26 September 24

Application for quotation of securities - B4P

×

Application for quotation of securities - B4P

B4P Fundamentals

Per Share Records

Historical data

Forecast data

AUD 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027
Per Share, Growth & Valuations
EPS (Basic) $ Lock Lock Lock Lock -0.63 -0.14 0.07 Lock Lock Lock
EPS (Fully Diluted) $ Lock Lock Lock Lock -0.63 -0.14 0.07 Lock Lock Lock
     Growth % Lock Lock Lock Lock -48.5 77.2 152.0 Lock Lock Lock
     PE X Lock Lock Lock Lock N/A N/A 9.6 Lock Lock Lock
     EV/EBITDA X Lock Lock Lock Lock N/A N/A 6.4 Lock Lock Lock
CFPS $ Lock Lock Lock Lock -0.46 -0.11 0.09 Lock Lock Lock
FCFPS $ Lock Lock Lock Lock -0.78 -0.40 -0.08 Lock Lock Lock
     Growth % Lock Lock Lock Lock 2.5 76.8 186.2 Lock Lock Lock
     Yield % Lock Lock Lock Lock -347.4 -84.9 -14.2 Lock Lock Lock
DPS $ Lock Lock Lock Lock 0.00 0.00 0.00 Lock Lock Lock
     Growth % Lock Lock Lock Lock N/A N/A N/A Lock Lock Lock
     Yield % Lock Lock Lock Lock N/A N/A 0.0 Lock Lock Lock
     Payout Ratio % Lock Lock Lock Lock 0 0 0 Lock Lock Lock
BPS $ Lock Lock Lock Lock 0.70 0.58 0.65 Lock Lock Lock
BPS (Tangible) $ Lock Lock Lock Lock 0.70 0.58 0.62 Lock Lock Lock
     Growth % Lock Lock Lock Lock -40.5 -17.8 8.0 Lock Lock Lock
Shares Outstanding
Diluted m Lock Lock Lock Lock 46 46 54 Lock Lock Lock
Basic m Lock Lock Lock Lock 46 46 52 Lock Lock Lock

Financial Records

Historical data

Forecast data

AUD 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027
Income Statement
Sales $m Lock Lock Lock Lock 15 31 35 Lock Lock Lock
     Growth % Lock Lock Lock Lock 239.3 101.0 15.0 Lock Lock Lock
Selling & General Expenses $m Lock Lock Lock Lock 25 22 17 Lock Lock Lock
Gross Income $m Lock Lock Lock Lock 4 17 25 Lock Lock Lock
     Growth % Lock Lock Lock Lock N/A 307.8 44.3 Lock Lock Lock
     Margin % Lock Lock Lock Lock 28.0 56.9 71.4 Lock Lock Lock
Cost of Goods Sold to Sales % Lock Lock Lock Lock 72 43 29 Lock Lock Lock
EBITDA $m Lock Lock Lock Lock -20 -4 9 Lock Lock Lock
     Growth % Lock Lock Lock Lock -420.0 80.0 320.4 Lock Lock Lock
     Margin % Lock Lock Lock Lock -131.3 -13.1 25.0 Lock Lock Lock
Depreciation & Amortisation $m Lock Lock Lock Lock 1 0 1 Lock Lock Lock
EBIT $m Lock Lock Lock Lock -21 -4 8 Lock Lock Lock
     Growth % Lock Lock Lock Lock -412.0 78.3 285.3 Lock Lock Lock
     Margin % Lock Lock Lock Lock -135.4 -14.6 23.6 Lock Lock Lock
Pretax Income $m Lock Lock Lock Lock -30 -8 4 Lock Lock Lock
Income Taxes $m Lock Lock Lock Lock -1 -1 0 Lock Lock Lock
Net Income $m Lock Lock Lock Lock -29 -7 4 Lock Lock Lock
     Growth % Lock Lock Lock Lock -48.7 77.2 158.2 Lock Lock Lock
     Margin % Lock Lock Lock Lock -190.8 -21.6 10.9 Lock Lock Lock
Cash Flow Statement
Net Operating Cash Flow $m Lock Lock Lock Lock -36 -19 -4 Lock Lock Lock
Capital Expenditures $m Lock Lock Lock Lock 0 0 1 Lock Lock Lock
Net Investing Cash Flow $m Lock Lock Lock Lock 0 0 -1 Lock Lock Lock
Net Financing Cash Flow $m Lock Lock Lock Lock 55 12 3 Lock Lock Lock
Free Cash Flow $m Lock Lock Lock Lock -36 -19 -4 Lock Lock Lock
     Growth % Lock Lock Lock Lock -64.6 48.9 77.9 Lock Lock Lock
     Margin % Lock Lock Lock Lock -2.4 -0.6 -0.1 Lock Lock Lock
Franking Balance $m Lock Lock Lock Lock 0 0 0 Lock Lock Lock
Balance Sheet
Cash & Short-Term Investments $m Lock Lock Lock Lock 28 22 19 Lock Lock Lock
Total Assets $m Lock Lock Lock Lock 58 65 73 Lock Lock Lock
Long Term Debt $m Lock Lock Lock Lock 21 0 38 Lock Lock Lock
Net Debt $m Lock Lock Lock Lock -7 12 19 Lock Lock Lock
Total Liabilities $m Lock Lock Lock Lock 25 38 43 Lock Lock Lock
Equity $m Lock Lock Lock Lock 33 27 31 Lock Lock Lock
Invested Capital Lock Lock Lock Lock 54 27 68 Lock Lock Lock
     Growth % Lock Lock Lock Lock -12.8 -50.0 154.4 Lock Lock Lock
Return Ratios
Return on Assets % Lock Lock Lock Lock -50.3 -10.2 5.3 Lock Lock Lock
Return on Equity % Lock Lock Lock Lock -89.3 -24.7 12.7 Lock Lock Lock
Return on Total Capital % Lock Lock Lock Lock -35.7 -7.8 12.9 Lock Lock Lock
Return on Invested Capital % Lock Lock Lock Lock -50.6 -16.5 8.1 Lock Lock Lock
Cash Flow Return on Invested Capital % Lock Lock Lock Lock -62.9 -46.1 -8.5 Lock Lock Lock

Ratios Records

Historical data

Forecast data

AUD 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027
Leverage
Interest Cover X Lock Lock Lock Lock -10.6 -1.2 2.0 Lock Lock Lock
Debt to EBITDA X Lock Lock Lock Lock 0.3 -3.0 2.1 Lock Lock Lock
Net Debt to Equity % Lock Lock Lock Lock -21.5 44.4 61.5 Lock Lock Lock
Liquidity
Current Ratio X Lock Lock Lock Lock 15.5 1.7 13.4 Lock Lock Lock
Quick Ratio X Lock Lock Lock Lock 15.5 1.7 13.4 Lock Lock Lock
Cash & ST Inv/Current Assets % Lock Lock Lock Lock 50.0 33.6 27.4 Lock Lock Lock
CFO/Current Liabilities % Lock Lock Lock Lock -986.9 -48.4 -77.2 Lock Lock Lock
Balance Sheet Efficiency
Receivables Turnover X Lock Lock Lock Lock 0.8 0.9 0.8 Lock Lock Lock
Inventory Turnover X Lock Lock Lock Lock 0.0 0.0 0.0 Lock Lock Lock
Working Capital Turnover X Lock Lock Lock Lock 0.3 1.2 0.5 Lock Lock Lock
Payables Turnover X Lock Lock Lock Lock 10.3 3.3 2.9 Lock Lock Lock
Asset Turnover X Lock Lock Lock Lock 0.3 0.5 0.5 Lock Lock Lock
Du Pont
Asset Turnover X Lock Lock Lock Lock 0.3 0.5 0.5 Lock Lock Lock
x Pretax Margin % Lock Lock Lock Lock -194.3 -26.1 10.9 Lock Lock Lock
= Pretax Return on Assets % Lock Lock Lock Lock -51.3 -12.3 5.3 Lock Lock Lock
x Tax Rate Complement (1-Tax Rate) % Lock Lock Lock Lock 0.0 0.0 0.0 Lock Lock Lock
Return on Assets % Lock Lock Lock Lock -50.3 -10.2 5.3 Lock Lock Lock
x Equity Multiplier (Assets/Equity) % Lock Lock Lock Lock 1.8 2.4 2.4 Lock Lock Lock
Return on Equity % Lock Lock Lock Lock -89.3 -24.7 12.7 Lock Lock Lock
x Earnings Retention (1-Payout) % Lock Lock Lock Lock 100.0 100.0 100.0 Lock Lock Lock
= Reinvestment Rate (%) % Lock Lock Lock Lock -89.3 -24.7 12.7 Lock Lock Lock
Operating Cycle
Days of Inventory on Hand Days Lock Lock Lock Lock 0.0 0.0 0.0 Lock Lock Lock
+ Days of Sales Outstanding Days Lock Lock Lock Lock 443.0 410.9 475.4 Lock Lock Lock
Operating Cycle Days Lock Lock Lock Lock 443.0 410.9 475.4 Lock Lock Lock
- Days of Payables Outstanding Days Lock Lock Lock Lock 47.1 35.8 36.9 Lock Lock Lock
Net Operating Cycle Days Lock Lock Lock Lock 395.9 375.1 438.5 Lock Lock Lock

Dividends

Key Stats

Ex Dividend Date (est.)

N/A

DIV Yield

.0%

Franking Level

N/A

DPSg

N/A

Quality Yield

Lock

Falling Divs over next 2

Lock

Values and Recommendations

Key Stats

Consensus Score

Lock

Recommendation

Lock

EPS 1 month Change

Lock

Quality Yield

Lock

Falling Divs over next 2

Lock

Halo Consensus Score

Lock Chart

PEG Ratio

Lock Chart

Consensus EPS Revisions

Lock Chart

Short selling

Key Stats

Percent of Issue

0.08%

Value ($M)

0

Prior Change

N/A

7 Day Change

N/A

1 Month Change

N/A

3 Month Change

0.10%

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Frequently Asked Questions

The current share price of Beforepay Group Limited (B4P:ASX) is AU$1.23.
The 52-week high share price for Beforepay Group Limited (B4P:ASX) is AU$1.85.
The 52-week low share price for Beforepay Group Limited (B4P:ASX)? is AU$0.46.
The current TTM dividend payout for Beforepay Group Limited (B4P:ASX) is 0.00.
Beforepay Group Limited (B4P:ASX) does not pay a dividend.
Beforepay Group Limited (B4P:ASX) has a franking level of 0.0%.
Beforepay Group Limited (B4P:ASX) is classified in the Technology.
The current P/E ratio for Beforepay Group Limited (B4P:ASX) is 9.60.
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HALO Technologies Pty Ltd ABN 54 623 830 866 is a Corporate Authorised Representative No 1261916 of Macrovue Pty Ltd ABN 98 600 022 679 AFSL 484264. Macrovue Pty Ltd is a wholly owned subsidiary of HALO Technologies Pty Ltd.