Beforepay Group Limited

ASX:B4P Stock Report

Market Cap: AU$56.9m

Beforepay Group Valuation

Is B4P undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

1/6

Valuation Score 1/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of B4P when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: Insufficient data to calculate B4P's fair value for valuation analysis.

Significantly Below Fair Value: Insufficient data to calculate B4P's fair value for valuation analysis.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for B4P?

Key metric: As B4P is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for B4P. This is calculated by dividing B4P's market cap by their current earnings.
What is B4P's PE Ratio?
PE Ratio14.7x
EarningsAU$3.86m
Market CapAU$56.90m

Price to Earnings Ratio vs Peers

How does B4P's PE Ratio compare to its peers?

The above table shows the PE ratio for B4P vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average10.3x
MME MoneyMe
4.2x4.2%AU$95.4m
CCV Cash Converters International
8.3x23.0%AU$143.6m
FSA FSA Group
13.4xn/aAU$98.3m
SVR Solvar
15.5x24.5%AU$264.2m
B4P Beforepay Group
14.7x20.0%AU$56.9m

Price-To-Earnings vs Peers: B4P is expensive based on its Price-To-Earnings Ratio (14.7x) compared to the peer average (10.3x).

Price to Earnings Ratio vs Industry

How does B4P's PE Ratio compare vs other companies in the Global Consumer Finance Industry?

5 CompaniesPrice / EarningsEstimated GrowthMarket Cap
B4P 14.7xIndustry Avg. 13.3xNo. of Companies35PE0816243240+
5 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: B4P is expensive based on its Price-To-Earnings Ratio (14.7x) compared to the Global Consumer Finance industry average (13.3x).

Price to Earnings Ratio vs Fair Ratio

What is B4P's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

B4P PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio14.7x
Fair PE Ratio16.3x

Price-To-Earnings vs Fair Ratio: B4P is good value based on its Price-To-Earnings Ratio (14.7x) compared to the estimated Fair Price-To-Earnings Ratio (16.3x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst B4P forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentAU$1.18
AU$1.53
+29.2%
41.0%AU$2.15AU$0.90n/a2
Nov ’25AU$1.25
AU$1.53
+22.0%
41.0%AU$2.15AU$0.90n/a2
Oct ’25AU$0.93
AU$0.96
+3.8%
64.8%AU$1.75AU$0.23n/a3
Sep ’25AU$0.80
AU$0.96
+20.0%
64.8%AU$1.75AU$0.23n/a3
Aug ’25AU$0.61
AU$0.96
+57.4%
64.8%AU$1.75AU$0.23n/a3
Jul ’25AU$0.54
AU$0.76
+42.1%
51.1%AU$1.15AU$0.23n/a3
Jun ’25AU$0.50
AU$0.76
+52.0%
51.1%AU$1.15AU$0.23n/a3
May ’25AU$0.60
AU$0.76
+26.7%
51.1%AU$1.15AU$0.23n/a3
Apr ’25AU$0.77
AU$0.71
-7.8%
48.1%AU$1.00AU$0.23n/a3
Mar ’25AU$0.55
AU$0.95
+72.7%
5.3%AU$1.00AU$0.90n/a2
Nov ’24AU$0.63
AU$0.93
+47.6%
7.5%AU$1.00AU$0.86AU$1.252
Oct ’24AU$0.36
AU$0.93
+154.8%
7.5%AU$1.00AU$0.86AU$0.932
Sep ’24AU$0.47
AU$0.93
+95.8%
7.5%AU$1.00AU$0.86AU$0.802
Aug ’24AU$0.50
AU$0.93
+86.0%
7.5%AU$1.00AU$0.86AU$0.612
Jul ’24AU$0.47
AU$0.93
+97.9%
7.5%AU$1.00AU$0.86AU$0.542
Jun ’24AU$0.48
AU$0.93
+93.8%
7.5%AU$1.00AU$0.86AU$0.502
May ’24AU$0.57
AU$0.93
+63.2%
7.5%AU$1.00AU$0.86AU$0.602
Apr ’24AU$0.45
AU$0.93
+109.0%
7.5%AU$1.00AU$0.86AU$0.772
Mar ’24AU$0.35
AU$0.71
+101.9%
45.4%AU$1.00AU$0.26AU$0.553
Feb ’24AU$0.41
AU$0.93
+126.0%
55.1%AU$1.50AU$0.26AU$0.453
Jan ’24AU$0.47
AU$0.93
+99.3%
55.1%AU$1.50AU$0.26AU$0.413
Dec ’23AU$0.43
AU$0.93
+113.0%
55.1%AU$1.50AU$0.26AU$0.483
Nov ’23AU$0.39
AU$0.93
+137.6%
55.1%AU$1.50AU$0.26AU$0.633

Analyst Forecast: Target price is more than 20% higher than the current share price, but there are not enough analysts covering the stock to determine statistical confidence in agreement.

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