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Beforepay Group Limited (B4P.AX)
AUD1.30
+0.00 (+0.00%)
AU ASX Technology Software - Infrastructure
Address
50 Carrington Street 2000
Sydney, NSW, AU
Sydney, NSW, AU
CEO
James Twiss
Website
beforepay.com.au
IPO
2022-01-17
ISIN AU0000190803
Description
Established in 2019, Beforepay Group Limited is an Australian firm headquartered in Sydney that offers on-demand financial services. The company enables individuals to access early wages through pay advances, all conveniently managed via its mobile application platform across Australia.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
AUD1.30
+0.00 (+0.00%)
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Volume Profile
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Liquidity & share structure
Average Volume
48.7K
Beta
1.57
Float Shares
31.38M
Free Float %
63.0%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -1.89% | -7.14% | -12.16% | -18.75% | -52.38% | -47.37% | -2.26% | +170.83% | -31.94% | -31.94% | -31.94% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From
To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
1.30
Ratings Trend (MoM)
100% Bullish
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 1 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
Quality scores
Altman Z-Score
2.81
Grey zone
Piotroski F-Score
5 / 9
Average
MOAT Score
1 / 10
No MOAT
Composite Rating
A
Overall Score
4 / 5
High
DCF Score
5 / 5
High
ROE Score
5 / 5
High
ROA Score
5 / 5
High
D/E Score
1 / 5
Low
P/E Score
3 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
✗ Below peers
-
Revenue growth Software - Infrastructure: +13.7%+13.7% ★ Q4'25: +32.5% (vs Q4'23)
-
EPS growth Software - Infrastructure: +28.7%+81.8% ★ Q4'25: +66.3% (vs Q4'23)
-
FCF margin FCF growth · Software - Infrastructure: +32.2%+6.7% Q4'25: -15.3% (vs Q4'23)
-
EBIT margin Software - Infrastructure: +8.8%+25.6% ★ Q4'25: +25.7% (vs Q4'23)
-
ROIC Software - Infrastructure: +6.6%+18.0% ★ Q4'25: +35.3% (vs Q4'23)
-
Share dilution Software - Infrastructure: +0.0%-4.0% ★ Q4'25: +14.6% (vs Q4'23)
-
Debt / EBITDA Net debt/EBITDA · Software - Infrastructure: -1.06×2.82× Q4'25: 1.21× (vs Q4'23)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Consensus Estimates
| Metric |
Jun 2022 actual |
Jun 2023 actual |
Jun 2024 actual |
Jun 2025 actual |
Jun 2026 1 Rev. Ana. 1 EPS Ana. |
Jun 2027 1 Rev. Ana. 1 EPS Ana. |
Jun 2028 1 Rev. Ana. 1 EPS Ana. |
Jun 2029 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|
| Revenue |
15.28M
est: 15.26M (+0.1%)
|
30.71M
est: 31.53M (-2.6%)
|
35.31M
est: 35.34M (-0.1%)
|
40.17M
est: 40.17M (0.0%)
|
48.43M
48.43M – 48.43M
+20.5% YoY
|
54.31M
54.31M – 54.31M
+12.1% YoY
|
56.62M
56.62M – 56.62M
+4.2% YoY
|
58.90M
58.90M – 58.90M
+4.0% YoY
|
| EBITDA |
-27.17M
est: -4.91M (-453.3%)
|
-4.28M
est: -10.15M (+57.8%)
|
8.79M
est: -11.37M (+177.3%)
|
11.30M
est: -12.93M (+187.4%)
|
-15.59M
-15.59M – -15.59M
-20.5% YoY
|
-17.48M
-17.48M – -17.48M
-12.1% YoY
|
-18.22M
-18.22M – -18.22M
-4.2% YoY
|
-18.96M
-18.96M – -18.96M
-4.0% YoY
|
| EBIT |
-27.79M
est: -5.08M (-447.1%)
|
-4.76M
est: -10.50M (+54.6%)
|
8.27M
est: -11.77M (+170.3%)
|
10.28M
est: -13.38M (+176.9%)
|
-16.12M
-16.12M – -16.12M
-20.5% YoY
|
-18.08M
-18.08M – -18.08M
-12.1% YoY
|
-18.85M
-18.85M – -18.85M
-4.2% YoY
|
-19.61M
-19.61M – -19.61M
-4.0% YoY
|
| Net Income |
-29.14M
est: -20.13M (-44.8%)
|
-6.64M
est: -9.47M (+29.9%)
|
3.86M
est: 3.86M (+0.0%)
|
6.74M
est: 6.80M (-0.8%)
|
7.57M
7.57M – 7.57M
+11.4% YoY
|
9.42M
9.42M – 9.42M
+24.3% YoY
|
9.44M
9.44M – 9.44M
+0.2% YoY
|
9.48M
9.48M – 9.48M
+0.4% YoY
|
| SGA |
32.20M
est: 20.06M (+60.5%)
|
31.71M
est: 41.46M (-23.5%)
|
10.45M
est: 46.46M (-77.5%)
|
12.53M
est: 52.82M (-76.3%)
|
63.67M
63.67M – 63.67M
+20.5% YoY
|
71.41M
71.41M – 71.41M
+12.1% YoY
|
74.44M
74.44M – 74.44M
+4.2% YoY
|
77.45M
77.45M – 77.45M
+4.0% YoY
|
| EPS |
-0.63
est: -0.39 (-62.3%)
|
-0.14
est: -0.18 (+23.3%)
|
0.07
est: 0.08 (-10.1%)
|
0.14
est: 0.13 (+6.8%)
|
0.15
0.15 – 0.15
+11.4% YoY
|
0.18
0.18 – 0.18
+24.3% YoY
|
0.18
0.18 – 0.18
+0.2% YoY
|
0.18
0.18 – 0.18
+0.4% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-29 | A | 4/5 | 5/5 | 5/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-28 | A | 4/5 | 5/5 | 5/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-27 | A | 4/5 | 5/5 | 5/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-26 | A | 4/5 | 5/5 | 5/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-25 | A | 4/5 | 5/5 | 5/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-22 | A | 4/5 | 5/5 | 5/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-21 | A | 4/5 | 5/5 | 5/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-20 | A | 4/5 | 5/5 | 5/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-19 | A | 4/5 | 5/5 | 5/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-18 | A | 4/5 | 5/5 | 5/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-15 | A | 4/5 | 5/5 | 5/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-14 | A | 4/5 | 5/5 | 5/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-13 | A | 4/5 | 5/5 | 5/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-12 | A | 4/5 | 5/5 | 5/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-11 | A | 4/5 | 5/5 | 5/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-08 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-07 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-06 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-05 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-04 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-01 | A | 4/5 | 5/5 | 4/5 | 5/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-30 | A | 4/5 | 5/5 | 4/5 | 5/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-29 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-28 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-27 | A | 4/5 | 5/5 | 4/5 | 5/5 | 1/5 | 4/5 | 3/5 |
| 2026-04-24 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-23 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-22 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-21 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-20 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-17 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-16 | A- | 4/5 | 5/5 | 4/5 | 5/5 | 1/5 | 3/5 | 3/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
-826.3K
OE per share TTM
0.00
Owner's Yield
-1.30%
Maintenance CapEx ratio
3.72%
Maint CapEx / Avg PPE
3.4%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
ETF Ownership
Top ETFs holding this stock
This company is not held by any ETF in our universe.
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
No recent insider transactions.
Executive team
Top executives
EBIT / Employee
244.8K
Shares Outstanding
49.80M
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
No proxy statements available for this company yet.
Recent SEC filings
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Dean Fang Mao Guo | Co-Founder | 3M | — |
| James Twiss | Chief Executive Officer | 630.4K | male |
| Laavanya Pari | Chief Financial Officer | 334.2K | female |
| Rajini Carpenter | Chief Technology Officer | — | — |
| Kasey Kaplan | Chief Product Officer | — | male |
| Danny Younis | Investor Relations Executive | — | — |
| Noeleene Yap | Marketing & Communications Manager | — | — |
ESG Score History
No data available for this company.
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for B4P.AX
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
