View ValuationBeforepay Group 향후 성장Future 기준 점검 2/6Beforepay Group (는) 각각 연간 8% 및 7.9% 수익과 수익이 증가할 것으로 예상됩니다. EPS는 연간 4.6% 만큼 성장할 것으로 예상됩니다. 자기자본이익률은 3년 후 14.7% 로 예상됩니다.핵심 정보8.0%이익 성장률4.57%EPS 성장률Consumer Finance 이익 성장17.6%매출 성장률7.9%향후 자기자본이익률14.69%애널리스트 커버리지Low마지막 업데이트28 Apr 2026최근 향후 성장 업데이트Breakeven 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.Breakeven Date Change • Feb 05Forecast 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.Breakeven Date Change • Aug 07Forecast to breakeven in 2025The 2 analysts covering Beforepay Group expect the company to break even for the first time. New consensus forecast suggests losses will reduce by 52% per year to 2024. The company is expected to make a profit of AU$50.0k in 2025. Average annual earnings growth of 69% is required to achieve expected profit on schedule.Breakeven Date Change • Mar 31Forecast 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 61% per year to 2024. The company is expected to make a profit of AU$37.8k in 2025. Average annual earnings growth of 75% is required to achieve expected profit on schedule.모든 업데이트 보기Recent updatesBoard Change • May 20Insufficient 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.Board Change • May 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.공시 • 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, 2026공시 • 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, 2026공시 • 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, 2026Board Change • Dec 24Insufficient 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.공시 • 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 Australia공시 • 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, 2025Recent 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.공시 • 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, 2025Board Change • Aug 18Insufficient 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.공시 • 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, 2025공시 • 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, 2025공시 • 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.공시 • 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, 2025Board Change • Feb 04Insufficient 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.공시 • 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, 2025Board Change • Dec 24Insufficient 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.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 144% over the past year.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).공시 • 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 Australia공시 • 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.공시 • 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.공시 • 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.공시 • 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, 2024공시 • 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: Major Risk Shares are highly illiquid. 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).Breakeven Date Change • Feb 05Forecast 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.공시 • 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, 2024공시 • 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.공시 • 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, 2023공시 • 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.공시 • 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, 2023Breakeven Date Change • Aug 07Forecast to breakeven in 2025The 2 analysts covering Beforepay Group expect the company to break even for the first time. New consensus forecast suggests losses will reduce by 52% per year to 2024. The company is expected to make a profit of AU$50.0k in 2025. Average annual earnings growth of 69% is required to achieve expected profit on schedule.공시 • 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.Breakeven Date Change • Mar 31Forecast 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 61% per year to 2024. The company is expected to make a profit of AU$37.8k in 2025. Average annual earnings growth of 75% is required to achieve expected profit on schedule.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.이익 및 매출 성장 예측CHIA:B4P - 애널리스트 향후 추정치 및 과거 재무 데이터 (AUD Millions)날짜매출이익자유현금흐름영업현금흐름평균 애널리스트 수6/30/2028571071016/30/202754100316/30/2026487-4-1112/31/2025448-22N/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/A더 보기애널리스트 향후 성장 전망수입 대 저축률: B4P 의 연간 예상 수익 증가율(8%)이 saving rate(3.6%)보다 높습니다.수익 vs 시장: B4P 의 연간 수익(8%)이 Australian 시장(12.2%)보다 느리게 성장할 것으로 예상됩니다.고성장 수익: B4P 의 수입은 증가할 것으로 예상되지만 상당히 증가하지는 않을 것입니다.수익 대 시장: B4P 의 수익(연간 7.9%)이 Australian 시장(연간 6.2%)보다 빠르게 성장할 것으로 예상됩니다.고성장 매출: B4P 의 수익(연간 7.9%)은 연간 20%보다 느리게 증가할 것으로 예상됩니다.주당순이익 성장 예측향후 자기자본이익률미래 ROE: B4P의 자본 수익률은 3년 후 14.7%로 낮을 것으로 예상됩니다.성장 기업 찾아보기7D1Y7D1Y7D1YDiversified-financials 산업의 고성장 기업.View Past Performance기업 분석 및 재무 데이터 상태데이터최종 업데이트 (UTC 시간)기업 분석2026/06/21 16:14종가2026/06/19 00:00수익2025/12/31연간 수익2025/06/30데이터 소스당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.패키지데이터기간미국 소스 예시 *기업 재무제표10년손익계산서현금흐름표대차대조표SEC 양식 10-KSEC 양식 10-Q분석가 컨센서스 추정치+3년재무 예측분석가 목표주가분석가 리서치 보고서Blue Matrix시장 가격30년주가배당, 분할 및 기타 조치ICE 시장 데이터SEC 양식 S-1지분 구조10년주요 주주내부자 거래SEC 양식 4SEC 양식 13D경영진10년리더십 팀이사회SEC 양식 10-KSEC 양식 DEF 14A주요 개발10년회사 공시SEC 양식 8-K* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.분석 모델 및 스노우플레이크이 보고서를 생성하는 데 사용된 분석 모델에 대한 세부 정보는 당사의 Github 페이지에서 확인하실 수 있으며, 보고서 활용 방법에 대한 가이드와 YouTube 튜토리얼도 제공하고 있습니다.Simply Wall St 분석 모델을 설계하고 구축한 세계적 수준의 팀에 대해 알아보세요.산업 및 섹터 지표산업 및 섹터 지표는 Simply Wall St가 6시간마다 계산하며, 프로세스에 대한 자세한 내용은 Github에서 확인할 수 있습니다.분석가 소스Beforepay Group Limited는 1명의 분석가가 다루고 있습니다. 이 중 1명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.분석가기관Larry GandlerShaw and Partners Limited
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.
Breakeven Date Change • Feb 05Forecast 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.
Breakeven Date Change • Aug 07Forecast to breakeven in 2025The 2 analysts covering Beforepay Group expect the company to break even for the first time. New consensus forecast suggests losses will reduce by 52% per year to 2024. The company is expected to make a profit of AU$50.0k in 2025. Average annual earnings growth of 69% is required to achieve expected profit on schedule.
Breakeven Date Change • Mar 31Forecast 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 61% per year to 2024. The company is expected to make a profit of AU$37.8k in 2025. Average annual earnings growth of 75% is required to achieve expected profit on schedule.
Board Change • May 20Insufficient 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.
Board Change • May 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.
공시 • 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
공시 • 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
공시 • 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
Board Change • Dec 24Insufficient 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.
공시 • 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
공시 • 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
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.
공시 • 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
Board Change • Aug 18Insufficient 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.
공시 • 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
공시 • 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
공시 • 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.
공시 • 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
Board Change • Feb 04Insufficient 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.
공시 • 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
Board Change • Dec 24Insufficient 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.
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 144% over the past year.
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).
공시 • 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
공시 • 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.
공시 • 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.
공시 • 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.
공시 • 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
공시 • 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: Major Risk Shares are highly illiquid. 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).
Breakeven Date Change • Feb 05Forecast 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.
공시 • 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
공시 • 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.
공시 • 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
공시 • 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.
공시 • 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
Breakeven Date Change • Aug 07Forecast to breakeven in 2025The 2 analysts covering Beforepay Group expect the company to break even for the first time. New consensus forecast suggests losses will reduce by 52% per year to 2024. The company is expected to make a profit of AU$50.0k in 2025. Average annual earnings growth of 69% is required to achieve expected profit on schedule.
공시 • 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.
Breakeven Date Change • Mar 31Forecast 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 61% per year to 2024. The company is expected to make a profit of AU$37.8k in 2025. Average annual earnings growth of 75% is required to achieve expected profit on schedule.
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.