View ValuationBeforepay Group 将来の成長Future 基準チェック /26Beforepay Group利益と収益がそれぞれ年間8%と7.9%増加すると予測されています。EPS は年間 増加すると予想されています。自己資本利益率は 3 年後に14.7% 4.6%なると予測されています。主要情報8.0%収益成長率4.57%EPS成長率Consumer Finance 収益成長16.4%収益成長率7.9%将来の株主資本利益率14.69%アナリストカバレッジLow最終更新日28 Apr 2026今後の成長に関する最新情報Major Estimate Revision • Apr 29Consensus EPS estimates fall by 21%The consensus outlook for earnings per share (EPS) in fiscal year 2026 has deteriorated. 2026 revenue forecast decreased from AU$49.0m to AU$48.4m. EPS estimate also fell from AU$0.184 per share to AU$0.146 per share. Net income forecast to grow 2.9% next year vs 12% growth forecast for Consumer Finance industry in Australia. Consensus price target down from AU$3.00 to AU$2.70. Share price was steady at AU$1.48 over the past week.Major Estimate Revision • Feb 03Consensus EPS estimates fall by 16%, revenue upgradedThe consensus outlook for fiscal year 2026 has been updated. 2026 revenue forecast increased from AU$47.4m to AU$49.0m. EPS estimate fell from AU$0.218 to AU$0.184 per share. Net income forecast to grow 32% next year vs 10% growth forecast for Consumer Finance industry in Australia. Consensus price target of AU$3.00 unchanged from last update. Share price fell 17% to AU$1.78 over the past week.Major Estimate Revision • Oct 23Consensus EPS estimates increase by 15%, revenue downgradedThe consensus outlook for fiscal year 2025 has been updated. 2025 revenue forecast fell from AU$38.2m to AU$37.2m. EPS estimate rose from AU$0.098 to AU$0.113. Net income forecast to grow 40% next year vs 57% growth forecast for Consumer Finance industry in Australia. Consensus price target up from AU$1.33 to AU$1.53. Share price rose 16% to AU$0.98 over the past week.Breakeven Date Change • Jun 30Forecast breakeven date pushed back to 2025The 2 analysts covering Beforepay Group previously expected the company to break even in 2024. New consensus forecast suggests the company will make a profit of AU$855.9k in 2025. Average annual earnings growth of 16% is required to achieve expected profit on schedule.Price Target Changed • Mar 05Price target decreased by 24% to AU$0.71Down from AU$0.93, the current price target is an average from 3 analysts. New target price is 15% above last closing price of AU$0.62. Stock is up 105% over the past year. The company is forecast to post earnings per share of AU$0.011 next year compared to a net loss per share of AU$0.14 last year.Major Estimate Revision • Mar 03Consensus EPS estimates increase from loss to AU$0.006 profit, revenue downgradedThe consensus outlook for fiscal year 2024 has been updated. 2024 revenue forecast fell from AU$36.1m to AU$35.2m. EPS estimate of -AU$0.0445 up from expected loss of AU$0.006 per share previously. Consumer Finance industry in Australia expected to see average net income decline 2.7% next year. Consensus price target up from AU$0.93 to AU$0.95. Share price rose 7.8% to AU$0.55 over the past week.すべての更新を表示Recent updatesお知らせ • 4hBeforepay Group Limited to Report Q4, 2026 Results on Jul 30, 2026Beforepay Group Limited announced that they will report Q4, 2026 results Pre-Market on Jul 30, 2026New Risk • May 08New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Australian stocks, typically moving 14% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risk Interest payments are not well covered by earnings (2.4x net interest cover). Minor Risks Share price has been volatile over the past 3 months (14% average weekly change). Market cap is less than US$100m (AU$74.2m market cap, or US$53.7m).Buy Or Sell Opportunity • May 08Now 21% overvaluedOver the last 90 days, the stock has fallen 14% to AU$1.49. The fair value is estimated to be AU$1.23, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 16% over the last 3 years. Meanwhile, the company has become profitable. For the next 3 years, revenue is forecast to grow by 7.9% per annum. Earnings are also forecast to grow by 8.0% per annum over the same time period.Valuation Update With 7 Day Price Move • May 05Investor sentiment deteriorates as stock falls 16%After last week's 16% share price decline to AU$1.25, the stock trades at a forward P/E ratio of 8x. Average forward P/E is 8x in the Consumer Finance industry in Australia. Total returns to shareholders of 120% over the past three years.Major Estimate Revision • Apr 29Consensus EPS estimates fall by 21%The consensus outlook for earnings per share (EPS) in fiscal year 2026 has deteriorated. 2026 revenue forecast decreased from AU$49.0m to AU$48.4m. EPS estimate also fell from AU$0.184 per share to AU$0.146 per share. Net income forecast to grow 2.9% next year vs 12% growth forecast for Consumer Finance industry in Australia. Consensus price target down from AU$3.00 to AU$2.70. Share price was steady at AU$1.48 over the past week.Buy Or Sell Opportunity • Apr 22Now 22% overvaluedOver the last 90 days, the stock has fallen 32% to AU$1.48. The fair value is estimated to be AU$1.21, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 16% over the last 3 years. Meanwhile, the company has become profitable. For the next 3 years, revenue is forecast to grow by 8.0% per annum. Earnings are also forecast to grow by 9.9% per annum over the same time period.お知らせ • Apr 21Beforepay Group Limited to Report Q3, 2026 Results on Apr 28, 2026Beforepay Group Limited announced that they will report Q3, 2026 results Pre-Market on Apr 28, 2026Valuation Update With 7 Day Price Move • Apr 14Investor sentiment improves as stock rises 18%After last week's 18% share price gain to AU$1.53, the stock trades at a forward P/E ratio of 8x. Average forward P/E is 8x in the Consumer Finance industry in Australia. Total returns to shareholders of 208% over the past three years.Buy Or Sell Opportunity • Apr 01Now 24% overvaluedOver the last 90 days, the stock has fallen 38% to AU$1.53. The fair value is estimated to be AU$1.23, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 16% over the last 3 years. Meanwhile, the company has become profitable. For the next 3 years, revenue is forecast to grow by 8.0% per annum. Earnings are also forecast to grow by 9.9% per annum over the same time period.Buy Or Sell Opportunity • Mar 10Now 38% overvaluedOver the last 90 days, the stock has fallen 40% to AU$1.65. The fair value is estimated to be AU$1.19, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 16% over the last 3 years. Meanwhile, the company has become profitable. For the next 3 years, revenue is forecast to grow by 8.0% per annum. Earnings are also forecast to grow by 9.9% per annum over the same time period.Valuation Update With 7 Day Price Move • Mar 09Investor sentiment deteriorates as stock falls 17%After last week's 17% share price decline to AU$1.30, the stock trades at a forward P/E ratio of 7x. Average forward P/E is 8x in the Consumer Finance industry in Australia. Total returns to shareholders of 347% over the past three years.お知らせ • Feb 19Beforepay Group Limited to Report First Half, 2026 Results on Feb 26, 2026Beforepay Group Limited announced that they will report first half, 2026 results on Feb 26, 2026Major Estimate Revision • Feb 03Consensus EPS estimates fall by 16%, revenue upgradedThe consensus outlook for fiscal year 2026 has been updated. 2026 revenue forecast increased from AU$47.4m to AU$49.0m. EPS estimate fell from AU$0.218 to AU$0.184 per share. Net income forecast to grow 32% next year vs 10% growth forecast for Consumer Finance industry in Australia. Consensus price target of AU$3.00 unchanged from last update. Share price fell 17% to AU$1.78 over the past week.分析記事 • Feb 02Beforepay Group Limited (ASX:B4P) Not Doing Enough For Some Investors As Its Shares Slump 25%The Beforepay Group Limited ( ASX:B4P ) share price has fared very poorly over the last month, falling by a substantial...分析記事 • Feb 02Investors Don't See Light At End Of Beforepay Group Limited's (ASX:B4P) Tunnel And Push Stock Down 25%The Beforepay Group Limited ( ASX:B4P ) share price has fared very poorly over the last month, falling by a substantial...Valuation Update With 7 Day Price Move • Jan 29Investor sentiment deteriorates as stock falls 15%After last week's 15% share price decline to AU$1.84, the stock trades at a forward P/E ratio of 8x. Average forward P/E is 9x in the Consumer Finance industry in Australia. Total returns to shareholders of 348% over the past three years.お知らせ • Jan 20Beforepay Group Limited to Report Q2, 2026 Results on Jan 28, 2026Beforepay Group Limited announced that they will report Q2, 2026 results at 10:00 AM, AUS Eastern Standard Time on Jan 28, 2026Recent Insider Transactions • Dec 10Non Executive Independent Chairman recently sold AU$108k worth of stockOn the 2nd of December, Brian Hartzer sold around 40k shares on-market at roughly AU$2.70 per share. This transaction amounted to 14% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. This was Brian's only on-market trade for the last 12 months.Valuation Update With 7 Day Price Move • Nov 13Investor sentiment improves as stock rises 16%After last week's 16% share price gain to AU$2.75, the stock trades at a forward P/E ratio of 13x. Average forward P/E is 9x in the Consumer Finance industry in Australia. Total returns to shareholders of 697% over the past three years.分析記事 • Oct 30It's A Story Of Risk Vs Reward With Beforepay Group Limited (ASX:B4P)With a price-to-earnings (or "P/E") ratio of 16.4x Beforepay Group Limited ( ASX:B4P ) may be sending bullish signals...お知らせ • Oct 24Beforepay Group Limited, Annual General Meeting, Nov 26, 2025Beforepay Group Limited, Annual General Meeting, Nov 26, 2025. Location: at works boardroom, works by scentre group, level 5, 100 market street, nsw 2000, sydney Australiaお知らせ • Oct 15Beforepay Group Limited to Report Q1, 2026 Results on Oct 22, 2025Beforepay Group Limited announced that they will report Q1, 2026 results Pre-Market on Oct 22, 2025Valuation Update With 7 Day Price Move • Oct 13Investor sentiment improves as stock rises 16%After last week's 16% share price gain to AU$2.32, the stock trades at a forward P/E ratio of 11x. Average forward P/E is 9x in the Consumer Finance industry in Australia. Total returns to shareholders of 614% over the past three years.Recent Insider Transactions • Aug 29Co-Founder recently sold AU$724k worth of stockOn the 26th of August, Fang Guo sold around 357k shares on-market at roughly AU$2.03 per share. This transaction amounted to 13% of their direct individual holding at the time of the trade. In the last 3 months, they made an even bigger sale worth AU$1.8m. Fang has been a net seller over the last 12 months, reducing personal holdings by AU$2.9m.お知らせ • Aug 19Beforepay Group Limited to Report Fiscal Year 2025 Results on Aug 26, 2025Beforepay Group Limited announced that they will report fiscal year 2025 results Pre-Market on Aug 26, 2025Valuation Update With 7 Day Price Move • Jul 29Investor sentiment improves as stock rises 24%After last week's 24% share price gain to AU$2.15, the stock trades at a forward P/E ratio of 15x. Average forward P/E is 9x in the Consumer Finance industry in Australia. Total returns to shareholders of 271% over the past three years.お知らせ • Jul 23Beforepay Group Limited to Report Q4, 2025 Results on Jul 29, 2025Beforepay Group Limited announced that they will report Q4, 2025 results Pre-Market on Jul 29, 2025New Risk • Jul 11New minor risk - Insider sellingThere has been significant insider selling in the company's shares over the past 3 months. Total value of shares sold: AU$1.8m This is considered a minor risk. There are several reasons why an insider may be selling, including to cover a tax obligation or pay for some other expense. However, we generally consider it a negative if insiders have been selling, especially if they do so below the current price. It implies that they considered a lower price to be reasonable. This is a weak signal, but if there is a pattern of unexplained selling, it can be a sign the insider believes the company's stock is overpriced. Note: We only include open market transactions and private dispositions of directly owned stock by individuals, not by corporations or trusts. Currently, the following risks have been identified for the company: Major Risks Interest payments are not well covered by earnings (1.9x net interest cover). High level of non-cash earnings (21% accrual ratio). Minor Risks Significant insider selling over the past 3 months (AU$1.8m sold). Market cap is less than US$100m (AU$80.6m market cap, or US$53.0m).Recent Insider Transactions • Jul 11Co-Founder recently sold AU$1.8m worth of stockOn the 8th of July, Fang Guo sold around 1m shares on-market at roughly AU$1.37 per share. This transaction amounted to 33% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Fang has been a net seller over the last 12 months, reducing personal holdings by AU$2.2m.Valuation Update With 7 Day Price Move • Jun 13Investor sentiment improves as stock rises 17%After last week's 17% share price gain to AU$1.58, the stock trades at a forward P/E ratio of 11x. Average forward P/E is 9x in the Consumer Finance industry in Australia. Total returns to shareholders of 443% over the past three years.Valuation Update With 7 Day Price Move • Apr 29Investor sentiment improves as stock rises 17%After last week's 17% share price gain to AU$1.25, the stock trades at a forward P/E ratio of 9x. Average forward P/E is 9x in the Consumer Finance industry in Australia. Total returns to shareholders of 247% over the past three years.お知らせ • Apr 22Beforepay Group Limited to Report Q3, 2025 Results on Apr 29, 2025Beforepay Group Limited announced that they will report Q3, 2025 results Pre-Market on Apr 29, 2025Valuation Update With 7 Day Price Move • Apr 11Investor sentiment improves as stock rises 15%After last week's 15% share price gain to AU$1.20, the stock trades at a forward P/E ratio of 9x. Average forward P/E is 8x in the Consumer Finance industry in Australia. Total returns to shareholders of 111% over the past three years.お知らせ • Mar 20Beforepay Group Limited ORDINARY FULLY PAID to Be Deleted from OTC EquityBeforepay Group Limited ORDINARY FULLY PAID (Australia) will be deleted from OTC Equity effective March 19, 2025, due to Inactive Security.お知らせ • Feb 20Beforepay Group Limited to Report First Half, 2025 Results on Feb 27, 2025Beforepay Group Limited announced that they will report first half, 2025 results on Feb 27, 2025Valuation Update With 7 Day Price Move • Feb 05Investor sentiment deteriorates as stock falls 18%After last week's 18% share price decline to AU$1.29, the stock trades at a forward P/E ratio of 11x. Average forward P/E is 11x in the Consumer Finance industry in Australia. Total loss to shareholders of 14% over the past three years.お知らせ • Jan 23Beforepay Group Limited to Report Q2, 2025 Results on Jan 30, 2025Beforepay Group Limited announced that they will report Q2, 2025 results Pre-Market on Jan 30, 2025Valuation Update With 7 Day Price Move • Jan 20Investor sentiment deteriorates as stock falls 23%After last week's 23% share price decline to AU$1.18, the stock trades at a forward P/E ratio of 10x. Average forward P/E is 12x in the Consumer Finance industry in Australia. Total loss to shareholders of 39% over the past three years.Valuation Update With 7 Day Price Move • Dec 24Investor sentiment deteriorates as stock falls 19%After last week's 19% share price decline to AU$1.44, the stock trades at a forward P/E ratio of 13x. Average forward P/E is 11x in the Consumer Finance industry in Australia. Total returns to shareholders of 231% over the past year.New Risk • Dec 05New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Australian stocks, typically moving 12% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risks Debt is not well covered by operating cash flow (currently running at an operating cash loss). High level of non-cash earnings (21% accrual ratio). Minor Risks Share price has been volatile over the past 3 months (12% average weekly change). Shareholders have been diluted in the past year (2.7% increase in shares outstanding). Significant insider selling over the past 3 months (AU$346k sold). Market cap is less than US$100m (AU$72.8m market cap, or US$46.9m).Valuation Update With 7 Day Price Move • Nov 28Investor sentiment improves as stock rises 19%After last week's 19% share price gain to AU$1.39, the stock trades at a forward P/E ratio of 12x. Average forward P/E is 11x in the Consumer Finance industry in Australia. Total returns to shareholders of 183% over the past year.Valuation Update With 7 Day Price Move • Nov 11Investor sentiment deteriorates as stock falls 16%After last week's 16% share price decline to AU$1.13, the stock trades at a forward P/E ratio of 10x. Average forward P/E is 10x in the Consumer Finance industry in Australia. Total returns to shareholders of 117% over the past year.Valuation Update With 7 Day Price Move • Oct 24Investor sentiment improves as stock rises 26%After last week's 26% share price gain to AU$1.05, the stock trades at a forward P/E ratio of 9x. Average forward P/E is 10x in the Consumer Finance industry in Australia. Total returns to shareholders of 147% over the past year.Major Estimate Revision • Oct 23Consensus EPS estimates increase by 15%, revenue downgradedThe consensus outlook for fiscal year 2025 has been updated. 2025 revenue forecast fell from AU$38.2m to AU$37.2m. EPS estimate rose from AU$0.098 to AU$0.113. Net income forecast to grow 40% next year vs 57% growth forecast for Consumer Finance industry in Australia. Consensus price target up from AU$1.33 to AU$1.53. Share price rose 16% to AU$0.98 over the past week.New Risk • Oct 20New minor risk - Shareholder dilutionThe company's shareholders have been diluted in the past year. Increase in shares outstanding: 2.9% This is considered a minor risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Major Risks Debt is not well covered by operating cash flow (currently running at an operating cash loss). High level of non-cash earnings (21% accrual ratio). Minor Risks Shareholders have been diluted in the past year (2.9% increase in shares outstanding). Significant insider selling over the past 3 months (AU$346k sold). Market cap is less than US$100m (AU$38.8m market cap, or US$26.0m).お知らせ • Oct 18Beforepay Group Limited, Annual General Meeting, Nov 20, 2024Beforepay Group Limited, Annual General Meeting, Nov 20, 2024. Location: at automic offices, level 5, 126 phillip street, sydney nsw 2000 Australiaお知らせ • Oct 15Beforepay Group Limited to Report Q1, 2025 Results on Oct 22, 2024Beforepay Group Limited announced that they will report Q1, 2025 results on Oct 22, 2024Recent Insider Transactions • Sep 27Co-Founder recently sold AU$346k worth of stockOn the 24th of September, Fang Guo sold around 500k shares on-market at roughly AU$0.69 per share. This transaction amounted to 11% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. This was Fang's only on-market trade for the last 12 months.Board Change • Aug 01Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 4 experienced directors. No highly experienced directors. Non Executive Independent Chairman Brian Hartzer was the last director to join the board, commencing their role in 2021. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.お知らせ • Jul 22Beforepay Group Limited to Report Q4, 2024 Results on Jul 29, 2024Beforepay Group Limited announced that they will report Q4, 2024 results Pre-Market on Jul 29, 2024Breakeven Date Change • Jun 30Forecast breakeven date pushed back to 2025The 2 analysts covering Beforepay Group previously expected the company to break even in 2024. New consensus forecast suggests the company will make a profit of AU$855.9k in 2025. Average annual earnings growth of 16% is required to achieve expected profit on schedule.お知らせ • May 01Beforepay Group Limited Announces Executive ChangesBeforepay Group Limited announced Ms Chelsea Sheridan of Automic Group has resigned as Joint Company Secretary of the Company, effective immediately. Mr. David Hwang will be appointed as Joint Company Secretary, effective immediately. David is a corporate lawyer, company secretary and advisor to Boards and management of ASX listed entities. David regularly advises emerging and listed entities across a range of compliance, legal, governance and strategic matters. David is the Managing Director of Confidant Partners, which provides ASX compliance, corporate legal, company secretarial and Board advisory services. Prior to this, David was a senior executive at a leading integrated technology solutions and professional services provider, where he led Australia's largest outsourced company secretarial and legal team. Ms Elena Chan will continue in her role, being Joint Company Secretary, Chief Risk Officer and General Counsel of the Company.お知らせ • Apr 23Beforepay Group Limited to Report Q3, 2024 Results on Apr 29, 2024Beforepay Group Limited announced that they will report Q3, 2024 results Pre-Market on Apr 29, 2024Price Target Changed • Mar 05Price target decreased by 24% to AU$0.71Down from AU$0.93, the current price target is an average from 3 analysts. New target price is 15% above last closing price of AU$0.62. Stock is up 105% over the past year. The company is forecast to post earnings per share of AU$0.011 next year compared to a net loss per share of AU$0.14 last year.Major Estimate Revision • Mar 03Consensus EPS estimates increase from loss to AU$0.006 profit, revenue downgradedThe consensus outlook for fiscal year 2024 has been updated. 2024 revenue forecast fell from AU$36.1m to AU$35.2m. EPS estimate of -AU$0.0445 up from expected loss of AU$0.006 per share previously. Consumer Finance industry in Australia expected to see average net income decline 2.7% next year. Consensus price target up from AU$0.93 to AU$0.95. Share price rose 7.8% to AU$0.55 over the past week.お知らせ • Feb 26Beforepay Group Limited to Report Q2, 2024 Results on Feb 26, 2024Beforepay Group Limited announced that they will report Q2, 2024 results Pre-Market on Feb 26, 2024New Risk • Feb 20New minor risk - ProfitabilityThe company is currently unprofitable and not forecast to become profitable over the next 3 years. Trailing 12-month net loss: AU$6.6m Forecast net loss in 3 years: AU$350k This is considered a minor risk. Companies that are not profitable are more likely to be burning through cash and less likely to be well established. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. Without profits, the company is under pressure to grow significantly while potentially having to reduce costs and possibly needing to take on debt or raise capital to remain afloat. Currently, the following risks have been identified for the company: Minor Risks Currently unprofitable and not forecast to become profitable over next 3 years (AU$350k net loss in 3 years). Market cap is less than US$100m (AU$22.8m market cap, or US$14.9m).お知らせ • Jan 22Beforepay Group Limited to Report Q2, 2024 Results on Jan 29, 2024Beforepay Group Limited announced that they will report Q2, 2024 results Pre-Market on Jan 29, 2024お知らせ • Jan 15Beforepay Group Limited Announces Management ChangesBeforepay Group Limited announced that Ms Elizabeth Spooner of Automic Group has resigned as Joint Company Secretary of the Company, effective after close on 12 January 2024. Ms Chelsea Sheridan of the Automic Group will be appointed as Joint Company Secretary, effective immediately. Ms Elena Chan will continue in her role, being Joint Company Secretary, Chief Risk Officer and General Counsel of the Company.Breakeven Date Change • Nov 24Forecast breakeven date pushed back to 2026The analyst covering Beforepay Group previously expected the company to break even in 2025. New forecast suggests losses will reduce by 49% per year to 2025. The company is expected to make a profit of AU$200.0k in 2026. Average annual earnings growth of 72% is required to achieve expected profit on schedule.Price Target Changed • Nov 23Price target decreased by 7.2% to AU$0.86Down from AU$0.93, the current price target is an average from 2 analysts. New target price is 62% above last closing price of AU$0.53. Stock is up 41% over the past year. The company is forecast to post a net loss per share of AU$0.095 next year compared to a net loss per share of AU$0.14 last year.お知らせ • Oct 23Beforepay Group Limited to Report Q1, 2024 Results on Oct 30, 2023Beforepay Group Limited announced that they will report Q1, 2024 results During-Market on Oct 30, 2023お知らせ • Oct 20Beforepay Group Limited, Annual General Meeting, Nov 22, 2023Beforepay Group Limited, Annual General Meeting, Nov 22, 2023, at 14:00 AUS Eastern Standard Time. Location: Automic Offices, Level 5, 126 Phillip Street Sydney New South Wales Australia Agenda: To receive and to consider the Annual Financial Report of the Company for the financial year ended 30 June 2023 together with the declaration of the Directors, the Directors' Report, the Remuneration Report and the Auditor's Report for that financial year; to Adoption of Remuneration Report; to re-election of director; to Approval of Additional 10% Capacity; to Adoption of Equity Incentive Plan; and to consider other matter.Major Estimate Revision • Sep 05Consensus revenue estimates decrease by 20%, EPS upgradedThe consensus outlook for fiscal year 2024 has been updated. 2024 revenue forecast fell from AU$46.0m to AU$37.0m. EPS estimate increased from -AU$0.11 to -AU$0.095 per share. Consumer Finance industry in Australia expected to see average net income growth of 17% next year. Consensus price target of AU$0.93 unchanged from last update. Share price rose 3.4% to AU$0.45 over the past week.New Risk • Aug 29New minor risk - Financial data availabilityThe company's latest financial reports are more than 6 months old. Last reported fiscal period ended December 2022. This is considered a minor risk. If the company has not reported its earnings on time, it may have been delayed due to audit problems or it may be finding it difficult to reconcile its accounts. Currently, the following risks have been identified for the company: Major Risk Less than 1 year of cash runway based on free cash flow trend (-AU$36m free cash flow). Minor Risks Latest financial reports are more than 6 months old (reported December 2022 fiscal period end). Currently unprofitable and not forecast to become profitable over next 2 years (AU$3.2m net loss in 2 years). Market cap is less than US$100m (AU$20.3m market cap, or US$13.1m).お知らせ • Aug 21Beforepay Group Limited to Report Fiscal Year 2023 Results on Aug 28, 2023Beforepay Group Limited announced that they will report fiscal year 2023 results Pre-Market on Aug 28, 2023お知らせ • Jul 23+ 1 more updateBeforepay Group Limited Announces the Step Down of Luke Bortoli as from the BoardBeforepay Group Limited (Beforepay) announced that Non-Executive Director Luke Bortoli has stated his intention not to seek re-election and to step down from the Board at the Annual General Meeting later this year to facilitate his renewed executive career. Mr. Bortoli has been a Director of the Group since January 2022 and currently serves as Chair of the Remuneration and Nominations Committee.Major Estimate Revision • Mar 05Consensus estimates of losses per share improve by 19%The consensus outlook for earnings per share (EPS) in fiscal year 2023 has improved. 2023 revenue forecast increased from AU$29.8m to AU$32.1m. EPS estimate increased from -AU$0.247 per share to -AU$0.20 per share. Consumer Finance industry in Australia expected to see average net income growth of 9.9% next year. Consensus price target down from AU$0.93 to AU$0.71. Share price fell 9.0% to AU$0.30 over the past week.Breakeven Date Change • Feb 28Forecast to breakeven in 2025The 3 analysts covering Beforepay Group expect the company to break even for the first time. New consensus forecast suggests losses will reduce by 53% per year to 2024. The company is expected to make a profit of AU$50.0k in 2025. Average annual earnings growth of 68% is required to achieve expected profit on schedule.お知らせ • Jan 20Beforepay Group Limited to Report Q2, 2023 Results on Jan 27, 2023Beforepay Group Limited announced that they will report Q2, 2023 results Pre-Market on Jan 27, 2023お知らせ • Oct 21+ 1 more updateBeforepay Group Limited to Report Q1, 2023 Results on Oct 28, 2022Beforepay Group Limited announced that they will report Q1, 2023 results Pre-Market on Oct 28, 2022Major Estimate Revision • Sep 09Consensus forecasts updatedThe consensus outlook for 2023 has been updated. 2023 losses forecast to reduce from -AU$0.40 per share to -AU$0.28 per share. Revenue forecast reaffirmed at AU$29.0m. Consumer Finance industry in Australia expected to see average net income growth of 1.0% next year. Consensus price target of AU$1.26 unchanged from last update. Share price fell 2.0% to AU$0.48 over the past week.お知らせ • Sep 01Beforepay Group Limited Announces Change of Joint Company SecretaryBeforepay Group Limited advises in accordance with ASX Listing Rule 3.16.1, that Mr. David Hwang of Automic Group has resigned as Joint Company Secretary of the Company, effective immediately. Ms Elena Chan, Chief Risk Officer and General Counsel of the Company will be appointed as Joint Company Secretary, effective immediately. Ms Elizabeth Spooner of Automic Group will continue in her role, being Joint Company Secretary. For the purpose of ASX Listing Rule 12.6, the persons responsible for communications between the Company and ASX will be Ms Spooner and Ms Chan.お知らせ • Aug 24Beforepay Group Limited to Report Fiscal Year 2022 Results on Aug 31, 2022Beforepay Group Limited announced that they will report fiscal year 2022 results on Aug 31, 2022Board Change • Jul 31High number of new directorsIndependent Non-Executive Director Luke Bortoli was the last director to join the board, commencing their role in 2022.お知らせ • Jul 26Beforepay Group Limited to Report Q4, 2022 Results on Jul 28, 2022Beforepay Group Limited announced that they will report Q4, 2022 results Pre-Market on Jul 28, 2022Board Change • Apr 27High number of new and inexperienced directorsThere are 6 new directors who have joined the board in the last 3 years. The company's board is composed of: 6 new directors. No experienced directors. No highly experienced directors. Non-Executive Director Stefan Urosevic is the most experienced director on the board, commencing their role in 2019. The following issues are considered to be risks according to the Simply Wall St Risk Model: Lack of board continuity. Lack of experienced directors.お知らせ • Apr 08Beforepay Group Limited Announces Appointment of Michael Bencsik as Its New Chief Financial Officer, Effective April 11, 2022Beforepay Group Limited announced the appointment of Mr. Michael Bencsik as its new Chief Financial Officer (CFO) commencing on 11 April 2022. A Fellow Certified Practicing Accountant and Fellow Chartered Certified Accountant (UK) with a Bachelor of Commerce (UNSW) and Master of Business dministration (Macq), Mr. Bencsik brings over 30 years' experience in banking and financial services across Australia, US, Asia and UK, and major international financial centres. Most recently Mr. Bencsik held the role of Chief Financial Officer, Genworth Mortgage Insurance.お知らせ • Feb 25Beforepay Group Limited to Report First Half, 2022 Results on Feb 28, 2022Beforepay Group Limited announced that they will report first half, 2022 results on Feb 28, 2022お知らせ • Feb 01Beforepay Group Limited Announces Appointment of Luke Bortoli as an Independent Non-Executive DirectorBeforepay Group Limited confirmed the appointment of Mr. Luke Bortoli as an Independent Non-Executive Director of the Company. Mr. Bortoli is a growth focused executive, director, and investor with a specialisation in the Fintech, mobile gaming and NFT sectors. Most recently Luke was the Chief Financial Officer at Afterpay Limited,prior to that he was the Global Head of Strategy and CFO of Special Projects at Aristocrat. Before joining Aristocrat, Luke was a financial institutions and technology focused investment banker specialising in M&A and capital raising at UBS.Board Change • Jan 17High number of new and inexperienced directorsThere are 5 new directors who have joined the board in the last 3 years. The company's board is composed of: 5 new directors. No experienced directors. No highly experienced directors. Non-Executive Director Stefan Urosevic is the most experienced director on the board, commencing their role in 2019. The following issues are considered to be risks according to the Simply Wall St Risk Model: Lack of board continuity. Lack of experienced directors.業績と収益の成長予測ASX:B4P - アナリストの将来予測と過去の財務データ ( )AUD Millions日付収益収益フリー・キャッシュフロー営業活動によるキャッシュ平均アナリスト数6/30/20295910N/AN/A16/30/2028571071016/30/202754100316/30/2026487-4-1112/31/2025448-22N/A9/30/202542703N/A6/30/202540715N/A3/31/2025396-21N/A12/31/2024374-6-3N/A9/30/2024364-6-4N/A6/30/2024354-5-4N/A3/31/2024352-3-3N/A12/31/2023340-2-2N/A9/30/202332-3-10-10N/A6/30/202331-7-19-19N/A3/31/202327-10-27-27N/A12/31/202224-14-36-36N/A9/30/202220-22-36-36N/A6/30/202215-29-36-36N/A3/31/202212-32-35-35N/A12/31/202110-35-34-34N/A9/30/20217-27-28-27N/A6/30/20215-19-21-21N/A6/30/20200-1-1-1N/Aもっと見るアナリストによる今後の成長予測収入対貯蓄率: B4Pの予測収益成長率 (年間8% ) は 貯蓄率 ( 3.6% ) を上回っています。収益対市場: B4Pの収益 ( 8% ) Australian市場 ( 11.4% ) よりも低い成長が予測されています。高成長収益: B4Pの収益は増加すると予測されていますが、大幅には増加しません。収益対市場: B4Pの収益 ( 7.9% ) Australian市場 ( 5.7% ) よりも速いペースで成長すると予測されています。高い収益成長: B4Pの収益 ( 7.9% ) 20%よりも低い成長が予測されています。一株当たり利益成長率予想将来の株主資本利益率将来のROE: B4Pの 自己資本利益率 は、3年後には低くなると予測されています ( 14.7 %)。成長企業の発掘7D1Y7D1Y7D1YDiversified-financials 業界の高成長企業。View Past Performance企業分析と財務データの現状データ最終更新日（UTC時間）企業分析2026/07/23 10:50終値2026/07/23 00:00収益2025/12/31年間収益2025/06/30データソース企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。パッケージデータタイムフレーム米国ソース例会社財務10年損益計算書キャッシュ・フロー計算書貸借対照表SECフォーム10-KSECフォーム10-Qアナリストのコンセンサス予想+プラス3年予想財務アナリストの目標株価アナリストリサーチレポートBlue Matrix市場価格30年株価配当、分割、措置ICEマーケットデータSECフォームS-1所有権10年トップ株主インサイダー取引SECフォーム4SECフォーム13Dマネジメント10年リーダーシップ・チーム取締役会SECフォーム10-KSECフォームDEF 14A主な進展10年会社からのお知らせSECフォーム8-K* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。分析モデルとスノーフレークこのレポートを生成するために使用した分析モデルの詳細は、当社のGitHubページでご覧いただけます。また、レポートの活用方法に関するガイドやYouTubeのチュートリアルも用意しています。シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。業界およびセクターの指標私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。アナリスト筋Beforepay Group Limited 1 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。1 アナリスト機関Larry GandlerShaw and Partners Limited
Major Estimate Revision • Apr 29Consensus EPS estimates fall by 21%The consensus outlook for earnings per share (EPS) in fiscal year 2026 has deteriorated. 2026 revenue forecast decreased from AU$49.0m to AU$48.4m. EPS estimate also fell from AU$0.184 per share to AU$0.146 per share. Net income forecast to grow 2.9% next year vs 12% growth forecast for Consumer Finance industry in Australia. Consensus price target down from AU$3.00 to AU$2.70. Share price was steady at AU$1.48 over the past week.
Major Estimate Revision • Feb 03Consensus EPS estimates fall by 16%, revenue upgradedThe consensus outlook for fiscal year 2026 has been updated. 2026 revenue forecast increased from AU$47.4m to AU$49.0m. EPS estimate fell from AU$0.218 to AU$0.184 per share. Net income forecast to grow 32% next year vs 10% growth forecast for Consumer Finance industry in Australia. Consensus price target of AU$3.00 unchanged from last update. Share price fell 17% to AU$1.78 over the past week.
Major Estimate Revision • Oct 23Consensus EPS estimates increase by 15%, revenue downgradedThe consensus outlook for fiscal year 2025 has been updated. 2025 revenue forecast fell from AU$38.2m to AU$37.2m. EPS estimate rose from AU$0.098 to AU$0.113. Net income forecast to grow 40% next year vs 57% growth forecast for Consumer Finance industry in Australia. Consensus price target up from AU$1.33 to AU$1.53. Share price rose 16% to AU$0.98 over the past week.
Breakeven Date Change • Jun 30Forecast breakeven date pushed back to 2025The 2 analysts covering Beforepay Group previously expected the company to break even in 2024. New consensus forecast suggests the company will make a profit of AU$855.9k in 2025. Average annual earnings growth of 16% is required to achieve expected profit on schedule.
Price Target Changed • Mar 05Price target decreased by 24% to AU$0.71Down from AU$0.93, the current price target is an average from 3 analysts. New target price is 15% above last closing price of AU$0.62. Stock is up 105% over the past year. The company is forecast to post earnings per share of AU$0.011 next year compared to a net loss per share of AU$0.14 last year.
Major Estimate Revision • Mar 03Consensus EPS estimates increase from loss to AU$0.006 profit, revenue downgradedThe consensus outlook for fiscal year 2024 has been updated. 2024 revenue forecast fell from AU$36.1m to AU$35.2m. EPS estimate of -AU$0.0445 up from expected loss of AU$0.006 per share previously. Consumer Finance industry in Australia expected to see average net income decline 2.7% next year. Consensus price target up from AU$0.93 to AU$0.95. Share price rose 7.8% to AU$0.55 over the past week.
お知らせ • 4hBeforepay Group Limited to Report Q4, 2026 Results on Jul 30, 2026Beforepay Group Limited announced that they will report Q4, 2026 results Pre-Market on Jul 30, 2026
New Risk • May 08New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Australian stocks, typically moving 14% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risk Interest payments are not well covered by earnings (2.4x net interest cover). Minor Risks Share price has been volatile over the past 3 months (14% average weekly change). Market cap is less than US$100m (AU$74.2m market cap, or US$53.7m).
Buy Or Sell Opportunity • May 08Now 21% overvaluedOver the last 90 days, the stock has fallen 14% to AU$1.49. The fair value is estimated to be AU$1.23, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 16% over the last 3 years. Meanwhile, the company has become profitable. For the next 3 years, revenue is forecast to grow by 7.9% per annum. Earnings are also forecast to grow by 8.0% per annum over the same time period.
Valuation Update With 7 Day Price Move • May 05Investor sentiment deteriorates as stock falls 16%After last week's 16% share price decline to AU$1.25, the stock trades at a forward P/E ratio of 8x. Average forward P/E is 8x in the Consumer Finance industry in Australia. Total returns to shareholders of 120% over the past three years.
Major Estimate Revision • Apr 29Consensus EPS estimates fall by 21%The consensus outlook for earnings per share (EPS) in fiscal year 2026 has deteriorated. 2026 revenue forecast decreased from AU$49.0m to AU$48.4m. EPS estimate also fell from AU$0.184 per share to AU$0.146 per share. Net income forecast to grow 2.9% next year vs 12% growth forecast for Consumer Finance industry in Australia. Consensus price target down from AU$3.00 to AU$2.70. Share price was steady at AU$1.48 over the past week.
Buy Or Sell Opportunity • Apr 22Now 22% overvaluedOver the last 90 days, the stock has fallen 32% to AU$1.48. The fair value is estimated to be AU$1.21, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 16% over the last 3 years. Meanwhile, the company has become profitable. For the next 3 years, revenue is forecast to grow by 8.0% per annum. Earnings are also forecast to grow by 9.9% per annum over the same time period.
お知らせ • Apr 21Beforepay Group Limited to Report Q3, 2026 Results on Apr 28, 2026Beforepay Group Limited announced that they will report Q3, 2026 results Pre-Market on Apr 28, 2026
Valuation Update With 7 Day Price Move • Apr 14Investor sentiment improves as stock rises 18%After last week's 18% share price gain to AU$1.53, the stock trades at a forward P/E ratio of 8x. Average forward P/E is 8x in the Consumer Finance industry in Australia. Total returns to shareholders of 208% over the past three years.
Buy Or Sell Opportunity • Apr 01Now 24% overvaluedOver the last 90 days, the stock has fallen 38% to AU$1.53. The fair value is estimated to be AU$1.23, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 16% over the last 3 years. Meanwhile, the company has become profitable. For the next 3 years, revenue is forecast to grow by 8.0% per annum. Earnings are also forecast to grow by 9.9% per annum over the same time period.
Buy Or Sell Opportunity • Mar 10Now 38% overvaluedOver the last 90 days, the stock has fallen 40% to AU$1.65. The fair value is estimated to be AU$1.19, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 16% over the last 3 years. Meanwhile, the company has become profitable. For the next 3 years, revenue is forecast to grow by 8.0% per annum. Earnings are also forecast to grow by 9.9% per annum over the same time period.
Valuation Update With 7 Day Price Move • Mar 09Investor sentiment deteriorates as stock falls 17%After last week's 17% share price decline to AU$1.30, the stock trades at a forward P/E ratio of 7x. Average forward P/E is 8x in the Consumer Finance industry in Australia. Total returns to shareholders of 347% over the past three years.
お知らせ • Feb 19Beforepay Group Limited to Report First Half, 2026 Results on Feb 26, 2026Beforepay Group Limited announced that they will report first half, 2026 results on Feb 26, 2026
Major Estimate Revision • Feb 03Consensus EPS estimates fall by 16%, revenue upgradedThe consensus outlook for fiscal year 2026 has been updated. 2026 revenue forecast increased from AU$47.4m to AU$49.0m. EPS estimate fell from AU$0.218 to AU$0.184 per share. Net income forecast to grow 32% next year vs 10% growth forecast for Consumer Finance industry in Australia. Consensus price target of AU$3.00 unchanged from last update. Share price fell 17% to AU$1.78 over the past week.
分析記事 • Feb 02Beforepay Group Limited (ASX:B4P) Not Doing Enough For Some Investors As Its Shares Slump 25%The Beforepay Group Limited ( ASX:B4P ) share price has fared very poorly over the last month, falling by a substantial...
分析記事 • Feb 02Investors Don't See Light At End Of Beforepay Group Limited's (ASX:B4P) Tunnel And Push Stock Down 25%The Beforepay Group Limited ( ASX:B4P ) share price has fared very poorly over the last month, falling by a substantial...
Valuation Update With 7 Day Price Move • Jan 29Investor sentiment deteriorates as stock falls 15%After last week's 15% share price decline to AU$1.84, the stock trades at a forward P/E ratio of 8x. Average forward P/E is 9x in the Consumer Finance industry in Australia. Total returns to shareholders of 348% over the past three years.
お知らせ • Jan 20Beforepay Group Limited to Report Q2, 2026 Results on Jan 28, 2026Beforepay Group Limited announced that they will report Q2, 2026 results at 10:00 AM, AUS Eastern Standard Time on Jan 28, 2026
Recent Insider Transactions • Dec 10Non Executive Independent Chairman recently sold AU$108k worth of stockOn the 2nd of December, Brian Hartzer sold around 40k shares on-market at roughly AU$2.70 per share. This transaction amounted to 14% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. This was Brian's only on-market trade for the last 12 months.
Valuation Update With 7 Day Price Move • Nov 13Investor sentiment improves as stock rises 16%After last week's 16% share price gain to AU$2.75, the stock trades at a forward P/E ratio of 13x. Average forward P/E is 9x in the Consumer Finance industry in Australia. Total returns to shareholders of 697% over the past three years.
分析記事 • Oct 30It's A Story Of Risk Vs Reward With Beforepay Group Limited (ASX:B4P)With a price-to-earnings (or "P/E") ratio of 16.4x Beforepay Group Limited ( ASX:B4P ) may be sending bullish signals...
お知らせ • Oct 24Beforepay Group Limited, Annual General Meeting, Nov 26, 2025Beforepay Group Limited, Annual General Meeting, Nov 26, 2025. Location: at works boardroom, works by scentre group, level 5, 100 market street, nsw 2000, sydney Australia
お知らせ • Oct 15Beforepay Group Limited to Report Q1, 2026 Results on Oct 22, 2025Beforepay Group Limited announced that they will report Q1, 2026 results Pre-Market on Oct 22, 2025
Valuation Update With 7 Day Price Move • Oct 13Investor sentiment improves as stock rises 16%After last week's 16% share price gain to AU$2.32, the stock trades at a forward P/E ratio of 11x. Average forward P/E is 9x in the Consumer Finance industry in Australia. Total returns to shareholders of 614% over the past three years.
Recent Insider Transactions • Aug 29Co-Founder recently sold AU$724k worth of stockOn the 26th of August, Fang Guo sold around 357k shares on-market at roughly AU$2.03 per share. This transaction amounted to 13% of their direct individual holding at the time of the trade. In the last 3 months, they made an even bigger sale worth AU$1.8m. Fang has been a net seller over the last 12 months, reducing personal holdings by AU$2.9m.
お知らせ • Aug 19Beforepay Group Limited to Report Fiscal Year 2025 Results on Aug 26, 2025Beforepay Group Limited announced that they will report fiscal year 2025 results Pre-Market on Aug 26, 2025
Valuation Update With 7 Day Price Move • Jul 29Investor sentiment improves as stock rises 24%After last week's 24% share price gain to AU$2.15, the stock trades at a forward P/E ratio of 15x. Average forward P/E is 9x in the Consumer Finance industry in Australia. Total returns to shareholders of 271% over the past three years.
お知らせ • Jul 23Beforepay Group Limited to Report Q4, 2025 Results on Jul 29, 2025Beforepay Group Limited announced that they will report Q4, 2025 results Pre-Market on Jul 29, 2025
New Risk • Jul 11New minor risk - Insider sellingThere has been significant insider selling in the company's shares over the past 3 months. Total value of shares sold: AU$1.8m This is considered a minor risk. There are several reasons why an insider may be selling, including to cover a tax obligation or pay for some other expense. However, we generally consider it a negative if insiders have been selling, especially if they do so below the current price. It implies that they considered a lower price to be reasonable. This is a weak signal, but if there is a pattern of unexplained selling, it can be a sign the insider believes the company's stock is overpriced. Note: We only include open market transactions and private dispositions of directly owned stock by individuals, not by corporations or trusts. Currently, the following risks have been identified for the company: Major Risks Interest payments are not well covered by earnings (1.9x net interest cover). High level of non-cash earnings (21% accrual ratio). Minor Risks Significant insider selling over the past 3 months (AU$1.8m sold). Market cap is less than US$100m (AU$80.6m market cap, or US$53.0m).
Recent Insider Transactions • Jul 11Co-Founder recently sold AU$1.8m worth of stockOn the 8th of July, Fang Guo sold around 1m shares on-market at roughly AU$1.37 per share. This transaction amounted to 33% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Fang has been a net seller over the last 12 months, reducing personal holdings by AU$2.2m.
Valuation Update With 7 Day Price Move • Jun 13Investor sentiment improves as stock rises 17%After last week's 17% share price gain to AU$1.58, the stock trades at a forward P/E ratio of 11x. Average forward P/E is 9x in the Consumer Finance industry in Australia. Total returns to shareholders of 443% over the past three years.
Valuation Update With 7 Day Price Move • Apr 29Investor sentiment improves as stock rises 17%After last week's 17% share price gain to AU$1.25, the stock trades at a forward P/E ratio of 9x. Average forward P/E is 9x in the Consumer Finance industry in Australia. Total returns to shareholders of 247% over the past three years.
お知らせ • Apr 22Beforepay Group Limited to Report Q3, 2025 Results on Apr 29, 2025Beforepay Group Limited announced that they will report Q3, 2025 results Pre-Market on Apr 29, 2025
Valuation Update With 7 Day Price Move • Apr 11Investor sentiment improves as stock rises 15%After last week's 15% share price gain to AU$1.20, the stock trades at a forward P/E ratio of 9x. Average forward P/E is 8x in the Consumer Finance industry in Australia. Total returns to shareholders of 111% over the past three years.
お知らせ • Mar 20Beforepay Group Limited ORDINARY FULLY PAID to Be Deleted from OTC EquityBeforepay Group Limited ORDINARY FULLY PAID (Australia) will be deleted from OTC Equity effective March 19, 2025, due to Inactive Security.
お知らせ • Feb 20Beforepay Group Limited to Report First Half, 2025 Results on Feb 27, 2025Beforepay Group Limited announced that they will report first half, 2025 results on Feb 27, 2025
Valuation Update With 7 Day Price Move • Feb 05Investor sentiment deteriorates as stock falls 18%After last week's 18% share price decline to AU$1.29, the stock trades at a forward P/E ratio of 11x. Average forward P/E is 11x in the Consumer Finance industry in Australia. Total loss to shareholders of 14% over the past three years.
お知らせ • Jan 23Beforepay Group Limited to Report Q2, 2025 Results on Jan 30, 2025Beforepay Group Limited announced that they will report Q2, 2025 results Pre-Market on Jan 30, 2025
Valuation Update With 7 Day Price Move • Jan 20Investor sentiment deteriorates as stock falls 23%After last week's 23% share price decline to AU$1.18, the stock trades at a forward P/E ratio of 10x. Average forward P/E is 12x in the Consumer Finance industry in Australia. Total loss to shareholders of 39% over the past three years.
Valuation Update With 7 Day Price Move • Dec 24Investor sentiment deteriorates as stock falls 19%After last week's 19% share price decline to AU$1.44, the stock trades at a forward P/E ratio of 13x. Average forward P/E is 11x in the Consumer Finance industry in Australia. Total returns to shareholders of 231% over the past year.
New Risk • Dec 05New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Australian stocks, typically moving 12% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risks Debt is not well covered by operating cash flow (currently running at an operating cash loss). High level of non-cash earnings (21% accrual ratio). Minor Risks Share price has been volatile over the past 3 months (12% average weekly change). Shareholders have been diluted in the past year (2.7% increase in shares outstanding). Significant insider selling over the past 3 months (AU$346k sold). Market cap is less than US$100m (AU$72.8m market cap, or US$46.9m).
Valuation Update With 7 Day Price Move • Nov 28Investor sentiment improves as stock rises 19%After last week's 19% share price gain to AU$1.39, the stock trades at a forward P/E ratio of 12x. Average forward P/E is 11x in the Consumer Finance industry in Australia. Total returns to shareholders of 183% over the past year.
Valuation Update With 7 Day Price Move • Nov 11Investor sentiment deteriorates as stock falls 16%After last week's 16% share price decline to AU$1.13, the stock trades at a forward P/E ratio of 10x. Average forward P/E is 10x in the Consumer Finance industry in Australia. Total returns to shareholders of 117% over the past year.
Valuation Update With 7 Day Price Move • Oct 24Investor sentiment improves as stock rises 26%After last week's 26% share price gain to AU$1.05, the stock trades at a forward P/E ratio of 9x. Average forward P/E is 10x in the Consumer Finance industry in Australia. Total returns to shareholders of 147% over the past year.
Major Estimate Revision • Oct 23Consensus EPS estimates increase by 15%, revenue downgradedThe consensus outlook for fiscal year 2025 has been updated. 2025 revenue forecast fell from AU$38.2m to AU$37.2m. EPS estimate rose from AU$0.098 to AU$0.113. Net income forecast to grow 40% next year vs 57% growth forecast for Consumer Finance industry in Australia. Consensus price target up from AU$1.33 to AU$1.53. Share price rose 16% to AU$0.98 over the past week.
New Risk • Oct 20New minor risk - Shareholder dilutionThe company's shareholders have been diluted in the past year. Increase in shares outstanding: 2.9% This is considered a minor risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Major Risks Debt is not well covered by operating cash flow (currently running at an operating cash loss). High level of non-cash earnings (21% accrual ratio). Minor Risks Shareholders have been diluted in the past year (2.9% increase in shares outstanding). Significant insider selling over the past 3 months (AU$346k sold). Market cap is less than US$100m (AU$38.8m market cap, or US$26.0m).
お知らせ • Oct 18Beforepay Group Limited, Annual General Meeting, Nov 20, 2024Beforepay Group Limited, Annual General Meeting, Nov 20, 2024. Location: at automic offices, level 5, 126 phillip street, sydney nsw 2000 Australia
お知らせ • Oct 15Beforepay Group Limited to Report Q1, 2025 Results on Oct 22, 2024Beforepay Group Limited announced that they will report Q1, 2025 results on Oct 22, 2024
Recent Insider Transactions • Sep 27Co-Founder recently sold AU$346k worth of stockOn the 24th of September, Fang Guo sold around 500k shares on-market at roughly AU$0.69 per share. This transaction amounted to 11% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. This was Fang's only on-market trade for the last 12 months.
Board Change • Aug 01Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 4 experienced directors. No highly experienced directors. Non Executive Independent Chairman Brian Hartzer was the last director to join the board, commencing their role in 2021. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.
お知らせ • Jul 22Beforepay Group Limited to Report Q4, 2024 Results on Jul 29, 2024Beforepay Group Limited announced that they will report Q4, 2024 results Pre-Market on Jul 29, 2024
Breakeven Date Change • Jun 30Forecast breakeven date pushed back to 2025The 2 analysts covering Beforepay Group previously expected the company to break even in 2024. New consensus forecast suggests the company will make a profit of AU$855.9k in 2025. Average annual earnings growth of 16% is required to achieve expected profit on schedule.
お知らせ • May 01Beforepay Group Limited Announces Executive ChangesBeforepay Group Limited announced Ms Chelsea Sheridan of Automic Group has resigned as Joint Company Secretary of the Company, effective immediately. Mr. David Hwang will be appointed as Joint Company Secretary, effective immediately. David is a corporate lawyer, company secretary and advisor to Boards and management of ASX listed entities. David regularly advises emerging and listed entities across a range of compliance, legal, governance and strategic matters. David is the Managing Director of Confidant Partners, which provides ASX compliance, corporate legal, company secretarial and Board advisory services. Prior to this, David was a senior executive at a leading integrated technology solutions and professional services provider, where he led Australia's largest outsourced company secretarial and legal team. Ms Elena Chan will continue in her role, being Joint Company Secretary, Chief Risk Officer and General Counsel of the Company.
お知らせ • Apr 23Beforepay Group Limited to Report Q3, 2024 Results on Apr 29, 2024Beforepay Group Limited announced that they will report Q3, 2024 results Pre-Market on Apr 29, 2024
Price Target Changed • Mar 05Price target decreased by 24% to AU$0.71Down from AU$0.93, the current price target is an average from 3 analysts. New target price is 15% above last closing price of AU$0.62. Stock is up 105% over the past year. The company is forecast to post earnings per share of AU$0.011 next year compared to a net loss per share of AU$0.14 last year.
Major Estimate Revision • Mar 03Consensus EPS estimates increase from loss to AU$0.006 profit, revenue downgradedThe consensus outlook for fiscal year 2024 has been updated. 2024 revenue forecast fell from AU$36.1m to AU$35.2m. EPS estimate of -AU$0.0445 up from expected loss of AU$0.006 per share previously. Consumer Finance industry in Australia expected to see average net income decline 2.7% next year. Consensus price target up from AU$0.93 to AU$0.95. Share price rose 7.8% to AU$0.55 over the past week.
お知らせ • Feb 26Beforepay Group Limited to Report Q2, 2024 Results on Feb 26, 2024Beforepay Group Limited announced that they will report Q2, 2024 results Pre-Market on Feb 26, 2024
New Risk • Feb 20New minor risk - ProfitabilityThe company is currently unprofitable and not forecast to become profitable over the next 3 years. Trailing 12-month net loss: AU$6.6m Forecast net loss in 3 years: AU$350k This is considered a minor risk. Companies that are not profitable are more likely to be burning through cash and less likely to be well established. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. Without profits, the company is under pressure to grow significantly while potentially having to reduce costs and possibly needing to take on debt or raise capital to remain afloat. Currently, the following risks have been identified for the company: Minor Risks Currently unprofitable and not forecast to become profitable over next 3 years (AU$350k net loss in 3 years). Market cap is less than US$100m (AU$22.8m market cap, or US$14.9m).
お知らせ • Jan 22Beforepay Group Limited to Report Q2, 2024 Results on Jan 29, 2024Beforepay Group Limited announced that they will report Q2, 2024 results Pre-Market on Jan 29, 2024
お知らせ • Jan 15Beforepay Group Limited Announces Management ChangesBeforepay Group Limited announced that Ms Elizabeth Spooner of Automic Group has resigned as Joint Company Secretary of the Company, effective after close on 12 January 2024. Ms Chelsea Sheridan of the Automic Group will be appointed as Joint Company Secretary, effective immediately. Ms Elena Chan will continue in her role, being Joint Company Secretary, Chief Risk Officer and General Counsel of the Company.
Breakeven Date Change • Nov 24Forecast breakeven date pushed back to 2026The analyst covering Beforepay Group previously expected the company to break even in 2025. New forecast suggests losses will reduce by 49% per year to 2025. The company is expected to make a profit of AU$200.0k in 2026. Average annual earnings growth of 72% is required to achieve expected profit on schedule.
Price Target Changed • Nov 23Price target decreased by 7.2% to AU$0.86Down from AU$0.93, the current price target is an average from 2 analysts. New target price is 62% above last closing price of AU$0.53. Stock is up 41% over the past year. The company is forecast to post a net loss per share of AU$0.095 next year compared to a net loss per share of AU$0.14 last year.
お知らせ • Oct 23Beforepay Group Limited to Report Q1, 2024 Results on Oct 30, 2023Beforepay Group Limited announced that they will report Q1, 2024 results During-Market on Oct 30, 2023
お知らせ • Oct 20Beforepay Group Limited, Annual General Meeting, Nov 22, 2023Beforepay Group Limited, Annual General Meeting, Nov 22, 2023, at 14:00 AUS Eastern Standard Time. Location: Automic Offices, Level 5, 126 Phillip Street Sydney New South Wales Australia Agenda: To receive and to consider the Annual Financial Report of the Company for the financial year ended 30 June 2023 together with the declaration of the Directors, the Directors' Report, the Remuneration Report and the Auditor's Report for that financial year; to Adoption of Remuneration Report; to re-election of director; to Approval of Additional 10% Capacity; to Adoption of Equity Incentive Plan; and to consider other matter.
Major Estimate Revision • Sep 05Consensus revenue estimates decrease by 20%, EPS upgradedThe consensus outlook for fiscal year 2024 has been updated. 2024 revenue forecast fell from AU$46.0m to AU$37.0m. EPS estimate increased from -AU$0.11 to -AU$0.095 per share. Consumer Finance industry in Australia expected to see average net income growth of 17% next year. Consensus price target of AU$0.93 unchanged from last update. Share price rose 3.4% to AU$0.45 over the past week.
New Risk • Aug 29New minor risk - Financial data availabilityThe company's latest financial reports are more than 6 months old. Last reported fiscal period ended December 2022. This is considered a minor risk. If the company has not reported its earnings on time, it may have been delayed due to audit problems or it may be finding it difficult to reconcile its accounts. Currently, the following risks have been identified for the company: Major Risk Less than 1 year of cash runway based on free cash flow trend (-AU$36m free cash flow). Minor Risks Latest financial reports are more than 6 months old (reported December 2022 fiscal period end). Currently unprofitable and not forecast to become profitable over next 2 years (AU$3.2m net loss in 2 years). Market cap is less than US$100m (AU$20.3m market cap, or US$13.1m).
お知らせ • Aug 21Beforepay Group Limited to Report Fiscal Year 2023 Results on Aug 28, 2023Beforepay Group Limited announced that they will report fiscal year 2023 results Pre-Market on Aug 28, 2023
お知らせ • Jul 23+ 1 more updateBeforepay Group Limited Announces the Step Down of Luke Bortoli as from the BoardBeforepay Group Limited (Beforepay) announced that Non-Executive Director Luke Bortoli has stated his intention not to seek re-election and to step down from the Board at the Annual General Meeting later this year to facilitate his renewed executive career. Mr. Bortoli has been a Director of the Group since January 2022 and currently serves as Chair of the Remuneration and Nominations Committee.
Major Estimate Revision • Mar 05Consensus estimates of losses per share improve by 19%The consensus outlook for earnings per share (EPS) in fiscal year 2023 has improved. 2023 revenue forecast increased from AU$29.8m to AU$32.1m. EPS estimate increased from -AU$0.247 per share to -AU$0.20 per share. Consumer Finance industry in Australia expected to see average net income growth of 9.9% next year. Consensus price target down from AU$0.93 to AU$0.71. Share price fell 9.0% to AU$0.30 over the past week.
Breakeven Date Change • Feb 28Forecast to breakeven in 2025The 3 analysts covering Beforepay Group expect the company to break even for the first time. New consensus forecast suggests losses will reduce by 53% per year to 2024. The company is expected to make a profit of AU$50.0k in 2025. Average annual earnings growth of 68% is required to achieve expected profit on schedule.
お知らせ • Jan 20Beforepay Group Limited to Report Q2, 2023 Results on Jan 27, 2023Beforepay Group Limited announced that they will report Q2, 2023 results Pre-Market on Jan 27, 2023
お知らせ • Oct 21+ 1 more updateBeforepay Group Limited to Report Q1, 2023 Results on Oct 28, 2022Beforepay Group Limited announced that they will report Q1, 2023 results Pre-Market on Oct 28, 2022
Major Estimate Revision • Sep 09Consensus forecasts updatedThe consensus outlook for 2023 has been updated. 2023 losses forecast to reduce from -AU$0.40 per share to -AU$0.28 per share. Revenue forecast reaffirmed at AU$29.0m. Consumer Finance industry in Australia expected to see average net income growth of 1.0% next year. Consensus price target of AU$1.26 unchanged from last update. Share price fell 2.0% to AU$0.48 over the past week.
お知らせ • Sep 01Beforepay Group Limited Announces Change of Joint Company SecretaryBeforepay Group Limited advises in accordance with ASX Listing Rule 3.16.1, that Mr. David Hwang of Automic Group has resigned as Joint Company Secretary of the Company, effective immediately. Ms Elena Chan, Chief Risk Officer and General Counsel of the Company will be appointed as Joint Company Secretary, effective immediately. Ms Elizabeth Spooner of Automic Group will continue in her role, being Joint Company Secretary. For the purpose of ASX Listing Rule 12.6, the persons responsible for communications between the Company and ASX will be Ms Spooner and Ms Chan.
お知らせ • Aug 24Beforepay Group Limited to Report Fiscal Year 2022 Results on Aug 31, 2022Beforepay Group Limited announced that they will report fiscal year 2022 results on Aug 31, 2022
Board Change • Jul 31High number of new directorsIndependent Non-Executive Director Luke Bortoli was the last director to join the board, commencing their role in 2022.
お知らせ • Jul 26Beforepay Group Limited to Report Q4, 2022 Results on Jul 28, 2022Beforepay Group Limited announced that they will report Q4, 2022 results Pre-Market on Jul 28, 2022
Board Change • Apr 27High number of new and inexperienced directorsThere are 6 new directors who have joined the board in the last 3 years. The company's board is composed of: 6 new directors. No experienced directors. No highly experienced directors. Non-Executive Director Stefan Urosevic is the most experienced director on the board, commencing their role in 2019. The following issues are considered to be risks according to the Simply Wall St Risk Model: Lack of board continuity. Lack of experienced directors.
お知らせ • Apr 08Beforepay Group Limited Announces Appointment of Michael Bencsik as Its New Chief Financial Officer, Effective April 11, 2022Beforepay Group Limited announced the appointment of Mr. Michael Bencsik as its new Chief Financial Officer (CFO) commencing on 11 April 2022. A Fellow Certified Practicing Accountant and Fellow Chartered Certified Accountant (UK) with a Bachelor of Commerce (UNSW) and Master of Business dministration (Macq), Mr. Bencsik brings over 30 years' experience in banking and financial services across Australia, US, Asia and UK, and major international financial centres. Most recently Mr. Bencsik held the role of Chief Financial Officer, Genworth Mortgage Insurance.
お知らせ • Feb 25Beforepay Group Limited to Report First Half, 2022 Results on Feb 28, 2022Beforepay Group Limited announced that they will report first half, 2022 results on Feb 28, 2022
お知らせ • Feb 01Beforepay Group Limited Announces Appointment of Luke Bortoli as an Independent Non-Executive DirectorBeforepay Group Limited confirmed the appointment of Mr. Luke Bortoli as an Independent Non-Executive Director of the Company. Mr. Bortoli is a growth focused executive, director, and investor with a specialisation in the Fintech, mobile gaming and NFT sectors. Most recently Luke was the Chief Financial Officer at Afterpay Limited,prior to that he was the Global Head of Strategy and CFO of Special Projects at Aristocrat. Before joining Aristocrat, Luke was a financial institutions and technology focused investment banker specialising in M&A and capital raising at UBS.
Board Change • Jan 17High number of new and inexperienced directorsThere are 5 new directors who have joined the board in the last 3 years. The company's board is composed of: 5 new directors. No experienced directors. No highly experienced directors. Non-Executive Director Stefan Urosevic is the most experienced director on the board, commencing their role in 2019. The following issues are considered to be risks according to the Simply Wall St Risk Model: Lack of board continuity. Lack of experienced directors.