B4P Beforepay Group Limited
Technology · Software - Infrastructure
· website
· 50 employees
$1.56
52wk 1.18 – 2.77
Overall
72.6
Value
87.1
Growth
87.8
Health
51.3
Quality
89.6
Momentum
44.3
Dividend
—
Price
About Beforepay Group Limited
Beforepay Group Limited provides finance to its customers by way of pay on demand advances. It offers Beforepay access to credit designed to help manage short term cash flow challenges through pay advance and personal loan products. The company also provides Carrington Labs, which provides lenders with credit risk analytics and cash flow underwriting models. The company was incorporated in 2019 and is based in Sydney, Australia.
Price analytics
Returns
| 1 day | -2.8% |
| 1 week | -6.6% |
| 1 month | -16.6% |
| 3 months | 23.3% |
| 6 months | 9.5% |
| 1 year | -22.0% |
| 3 years | 239.1% |
Risk
| Volatility (1y ann.) | 73.1% |
| Beta vs ASX 200 | 0.80 |
| Sharpe (1y) | -0.04 |
| VaR 95% (1-day) | -6.9% |
| Max drawdown (1y) | -56.4% |
| Off 1-year high | -43.3% |
Technicals
| RSI(14) | 36 |
| vs 50DMA | -5.9% |
| vs 200DMA | -3.0% |
| Trend | Golden cross |
Fundamental trends
Financial statements
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Scoring breakdown
(2 Oct 2026)
Value
87.1
Trailing P/E
92
Forward P/E
100
PEG ratio
—
EV / EBITDA
65
Price / Book
89
Price / Sales
92
Growth
87.8
Revenue growth (1y)
100
Revenue CAGR (3y)
92
EPS growth (1y)
71
EPS CAGR (3y)
—
Financial Health
51.3
Net debt / EBITDA
46
Interest coverage (EBIT/interest)
17
Current ratio
69
Debt / Equity
69
Quality (Profitability & Cash Flow)
89.6
Return on equity
93
Return on assets
86
Operating margin
78
Net margin
100
Cash conversion (OCF / net income)
—
Dividend / Income
—
No meaningful dividend — pillar excluded from the overall score.
Momentum
44.3
6-month return vs ASX 200
78
Price vs 200-day average
40
Price vs 50-day average
21
Position in 52-week range
24
Hover a row's info icon for the exact rule. Bounds and weights are configurable in the Django admin (Scoring configuration).
Score history
Key metrics
Market cap
$79.49M
P/E (trailing)
10.40
P/E (forward)
3.34
EPS (trailing)
0.15
Dividend yield
—
Payout ratio
0.0%
Beta
1.60
EV / EBITDA
9.40
Price / Book
1.59
ROE
18.7%
Operating margin
19.5%
Net margin
16.3%
Total cash
$7.41M
Total debt
$36.88M
Current ratio
1.98
Debt / Equity
0.75
Free cash flow
$-14.52M
Avg volume
38,923
Latest annual results
(FY ending 30 Jun 2026)
- Revenue$50.61M
- Gross profit$48.90M
- Operating income$11.31M
- Net income$8.23M
- Diluted EPS0.15
- Free cash flow-$11.64M
- Net debt$29.48M