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B4P · ASX

Beforepay Group Limited (ASX:B4P)

AU$0.93

 0.05 (5.682%)
ASX:Live
20/09/2024 09:59:57 AM
HALO Value 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

Very Weak

MQV Small

Neutral

Valuation

Value

Consensus

Momentum

Price

Very Weak

Earnings

Very Weak

Growth

Earnings

Weak

Dividends

Very Strong

Quality

Capital Efficiency

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$42.23M

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 0.37 - 0.95

Trade Value (12mth)

AU$6,297.00

1 week

2.33%

1 month

18.92%

YTD

89.25%

1 year

109.52%

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)

65m

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)

0.00

B4P Announcements

Latest Announcements

Date Announcements

18 September 24

Change in substantial holding

×

Change in substantial holding

04 September 24

Carrington Labs reports notable progress

×

Carrington Labs reports notable progress

27 August 24

FY24 Appendix 4E & Annual Report to Shareholders

×

FY24 Appendix 4E & Annual Report to Shareholders

27 August 24

Appendix 4G and Corporate Governance Statement

×

Appendix 4G and Corporate Governance Statement

27 August 24

Beforepay announces FY24 results

×

Beforepay announces FY24 results

27 August 24

FY24 Investor Presentation

×

FY24 Investor Presentation

26 August 24

Beforepay Group obtains Australian Credit Licence

×

Beforepay Group obtains Australian Credit Licence

20 August 24

Release date of FY24 Financial Statements & Investor Webinar

×

Release date of FY24 Financial Statements & Investor Webinar

05 August 24

Change in substantial holding

×

Change in substantial holding

29 July 24

Q4FY24 Quarterly Activities and Appendix 4C Cash Flow Report

×

Q4FY24 Quarterly Activities and Appendix 4C Cash Flow Report

22 July 24

Q4 FY24 Appendix 4C Release Date and Investor Webinar

×

Q4 FY24 Appendix 4C Release Date and Investor Webinar

09 July 24

Notification of cessation of securities - B4P

×

Notification of cessation of securities - B4P

05 July 24

Change of Director's Interest Notice - D Moss

×

Change of Director's Interest Notice - D Moss

05 July 24

Change of Director's Interest Notice - S Urosevic

×

Change of Director's Interest Notice - S Urosevic

05 July 24

Change of Director's Interest Notice - P Tuttle

×

Change of Director's Interest Notice - P Tuttle

04 July 24

Notification of cessation of securities - B4P

×

Notification of cessation of securities - B4P

01 July 24

Appointment of Acting Chief Financial Officer

×

Appointment of Acting Chief Financial Officer

21 June 24

Application for quotation of securities - B4P

×

Application for quotation of securities - B4P

11 June 24

Change of Registered Office & Principal Place of Business

×

Change of Registered Office & Principal Place of Business

01 May 24

Change of Joint Company Secretary

×

Change of Joint Company Secretary

29 April 24

Q3FY24 Quarterly Activities and Appendix 4C Cash Flow Report

×

Q3FY24 Quarterly Activities and Appendix 4C Cash Flow Report

22 April 24

Q3 FY24 Appendix 4C Release Date and Investor Webinar

×

Q3 FY24 Appendix 4C Release Date and Investor Webinar

03 April 24

Resignation of Chief Financial Officer

×

Resignation of Chief Financial Officer

03 April 24

Notification of cessation of securities - B4P

×

Notification of cessation of securities - B4P

20 March 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

0.00%

Value ($M)

0

Prior Change

N/A

7 Day Change

N/A

1 Month Change

N/A

3 Month Change

N/A

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Frequently Asked Questions

The current share price of Beforepay Group Limited (B4P:ASX) is AU$0.93.
The 52-week high share price for Beforepay Group Limited (B4P:ASX) is AU$0.95.
The 52-week low share price for Beforepay Group Limited (B4P:ASX)? is AU$0.37.
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.