BEFOREPAY GROUP LIMITED (B4P)
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B4P

B4P - BEFOREPAY GROUP LIMITED

FNArena Sector : Diversified Financials
Year End: June
GICS Industry Group : Diversified Financials
Debt/EBITDA: 2.68
Index:

LAST PRICE CHANGE +/- CHANGE % VOLUME

$1.95

29 Aug
2025

-0.070

OPEN

$2.02

-3.47%

HIGH

$2.02

15,289

LOW

$1.94

TARGET
$3.00 53.8% upside
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FNARENA'S MARKET CONSENSUS FORECASTS
B4P: 1
Title FY24
Actual		 FY25
Actual		 FY26
Forecast		 FY27
Forecast
EPS (cps) xxx 14.1 21.2 xxx
DPS (cps) xxx 0.0 0.0 xxx
EPS Growth xxx 89.1% 50.9% xxx
DPS Growth xxx N/A N/A xxx
PE Ratio xxx N/A 9.4 xxx
Dividend Yield xxx N/A 0.0% xxx
Div Pay Ratio(%) xxx N/A N/A xxx

Dividend yield today if purchased 3 years ago: 0.00%

DIVIDEND YIELD CALCULATOR

Dividend Yield Today On Last Actual Payout :

 0.00

Estimated Dividend Growth
(Average Of Past Three Years)

  %

Amount Invested

 $ 

Tell Me The Dividend After This Many Years
Past performance is no guarantee for the future. Investors should take into account that heavy swings in share price or exceptional circumstances (a la 2009) can have a significant impact on short term calculations and averages
HISTORICAL DATA ARE ALL IN AUD
Copyright © 2025 FactSet UK Limited. All rights reserved
Title 202020212022202320242025
EPS Basic xxxxxxxxxxxxxxx14.1
DPS All xxxxxxxxxxxxxxx0.0
Sales/Revenue xxxxxxxxxxxxxxx40.2 M
Book Value Per Share xxxxxxxxxxxxxxx81.5
Net Operating Cash Flow xxxxxxxxxxxxxxx4.9 M
Net Profit Margin xxxxxxxxxxxxxxx16.79 %

EPS Basic

DPS All

Sales/Revenue

Book Value Per Share

Net Operating Cash Flow

Net Profit Margin

Title 202020212022202320242025
Return on Capital Employed xxxxxxxxxxxxxxx19.30 %
Return on Invested Capital xxxxxxxxxxxxxxx9.69 %
Return on Assets xxxxxxxxxxxxxxx9.02 %
Return on Equity xxxxxxxxxxxxxxx19.30 %
Return on Total Capital xxxxxxxxxxxxxxx15.59 %
Free Cash Flow ex dividends xxxxxxxxxxxxxxx4.8 M

Return on Capital Employed

Return on Invested Capital

Return on Assets

Return on Equity

Return on Total Capital

Free Cash Flow ex dividends

Title 202020212022202320242025
Short-Term Debt xxxxxxxxxxxxxxx0 M
Long Term Debt xxxxxxxxxxxxxxx32 M
Total Debt xxxxxxxxxxxxxxx32 M
Goodwill - Gross xxxxxxxxxxxxxxx-
Cash & Equivalents - Generic xxxxxxxxxxxxxxx14 M
Price To Book Value xxxxxxxxxxxxxxx2.02

Short-Term Debt

Long Term Debt

Total Debt

Goodwill - Gross

Cash & Equivalents - Generic

Price To Book Value

Title 202020212022202320242025
Capex xxxxxxxxxxxxxxx3.5 M
Capex % of Sales xxxxxxxxxxxxxxx8.76 %
Cost of Goods Sold xxxxxxxxxxxxxxx11 M
Selling, General & Admin. Exp & Other xxxxxxxxxxxxxxx18 M
Research & Development xxxxxxxxxxxxxxx-
Investments - Total xxxxxxxxxxxxxxx0 M

Capex

Capex % of Sales

Cost of Goods Sold

Selling, General & Admin. Exp & Other

Research & Development

Investments - Total

EXPERT VIEWS
Display All Commentary

Sentiment Indicator

1.0

No. Of Recommendations

1
BROKER DATE RATING RECOMMENDATION TARGET PRICE % TO REACH TARGET COMMENTARY

Shaw and Partners

27/08/2025

1

Buy, High Risk

$3.00

53.85%

Beforepay Group reported FY25 profit broadly in line with management's fourth quarter update, observes Shaw and Partners.

Profit of $11.9m and free cash flow of $8.3m were driven by the Pay Advance business, which remains the group’s key earnings and cash flow source, explains the broker.

Strong cash flow allowed debt reduction, highlights the analyst, with drawn debt falling to $31m from $37m a year earlier. It's noted the new $7.5m revolving sub-limit within its $55m facility provides greater funding flexibility.

Credit loss rates fell to -0.56% in the June quarter, with scope to loosen risk controls in FY26 to support profit growth, suggests Shaw.

Carrington Labs continued expanding in the US, with its algorithms being applied across a wide range of lending products, highlights the broker.

Shaw retains a Buy, High Risk rating and $3.00 target.

FORECAST
Shaw and Partners forecasts a full year FY26 dividend of 0.00 cents and EPS of 21.20 cents.
Shaw and Partners forecasts a full year FY27 dividend of 0.00 cents and EPS of 22.10 cents.
Access Stockbroker Research History >
EXTRA COVERAGE
Display All Commentary

No. Of Recommendations

0

Please note: unlike Broker Call Report, BC Extra is not updated daily. The info you see might not be the latest. FNArena does its best to update ASAP.

BROKER DATE RATING RECOMMENDATION TARGET PRICE % TO REACH TARGET COMMENTARY
Access Extra Coverage Research History >

B4P STOCK CHART

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