Beforepay Group (B4P) Stock Overview
Provides finance to its customers by way of pay on demand advances. More details
| Snowflake Score | |
|---|---|
| Valuation | 1/6 |
| Future Growth | 2/6 |
| Past Performance | 4/6 |
| Financial Health | 2/6 |
| Dividends | 0/6 |
Rewards
Risk Analysis
B4P Community Fair Values
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Beforepay Group Limited Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | AU$2.04 |
| 52 Week High | AU$2.38 |
| 52 Week Low | AU$0.79 |
| Beta | 2.07 |
| 1 Month Change | -3.77% |
| 3 Month Change | 22.89% |
| 1 Year Change | 129.21% |
| 3 Year Change | 391.57% |
| 5 Year Change | n/a |
| Change since IPO | 3.29% |
Recent News & Updates
Recent updates
Shareholder Returns
| B4P | AU Consumer Finance | AU Market | |
|---|---|---|---|
| 7D | -2.4% | 3.5% | 1.5% |
| 1Y | 129.2% | 35.5% | 9.2% |
Return vs Industry: B4P exceeded the Australian Consumer Finance industry which returned 35.5% over the past year.
Return vs Market: B4P exceeded the Australian Market which returned 9.2% over the past year.
Price Volatility
| B4P volatility | |
|---|---|
| B4P Average Weekly Movement | 9.4% |
| Consumer Finance Industry Average Movement | 5.6% |
| Market Average Movement | 9.2% |
| 10% most volatile stocks in AU Market | 19.8% |
| 10% least volatile stocks in AU Market | 3.4% |
Stable Share Price: B4P has not had significant price volatility in the past 3 months compared to the Australian market.
Volatility Over Time: B4P's weekly volatility (9%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2019 | 43 | Jamie Twiss | www.beforepay.com.au |
Beforepay Group Limited provides finance to its customers by way of pay on demand advances. It offers Beforepay that allows customers to access short-term loans through its pay advance and personal loan products to manage short-term cash flow challenges; and Carrington Labs, which provides cash flow underwriting and credit risk analytics solutions. The company was incorporated in 2019 and is based in Sydney, Australia.
Beforepay Group Limited Fundamentals Summary
| B4P fundamental statistics | |
|---|---|
| Market cap | AU$98.28m |
| Earnings (TTM) | AU$6.74m |
| Revenue (TTM) | AU$40.28m |
Is B4P overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| B4P income statement (TTM) | |
|---|---|
| Revenue | AU$40.28m |
| Cost of Revenue | AU$1.64m |
| Gross Profit | AU$38.64m |
| Other Expenses | AU$31.90m |
| Earnings | AU$6.74m |
Last Reported Earnings
Jun 30, 2025
Next Earnings Date
n/a
| Earnings per share (EPS) | 0.14 |
| Gross Margin | 95.93% |
| Net Profit Margin | 16.74% |
| Debt/Equity Ratio | 77.4% |
How did B4P perform over the long term?
See historical performance and comparisonCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/10/07 18:42 |
| End of Day Share Price | 2025/10/07 00:00 |
| Earnings | 2025/06/30 |
| Annual Earnings | 2025/06/30 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Beforepay Group Limited is covered by 1 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Larry Gandler | Shaw and Partners Limited |