BEFOREPAY GROUP LIMITED (B4P)
Share Price Analysis and Chart

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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

$2.45

28 Oct
2025

0.030

OPEN

$2.42

1.24%

HIGH

$2.45

82,116

LOW

$2.35

TARGET
$3.00 22.4% 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 21.8 xxx
DPS (cps) xxx 0.0 0.0 xxx
EPS Growth xxx 89.1% 55.2% xxx
DPS Growth xxx N/A N/A xxx
PE Ratio xxx N/A 10.9 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

23/10/2025

1

Buy

$3.00

22.45%

Beforepay Group announced a robust September quarter result, with net profit before tax up 98% due to the strength in the core Pay Advance business, Shaw and Partners highlights. Positive free cash flow was achieved.

The analyst sees $10m of free cash from Pay Advance as likely in FY26, which should offer support to the stock's current valuation.

The Personal Loan product is beginning to scale, with some $4m of loans written year-to-date, and management tentatively extending larger loans of more than $2000 and longer than 62 days.

Shaw and Partners estimates Beforepay would have to write about $200m of loans to achieve a doubling of net profit after tax. The broker lifts its earnings estimates by less than 5% after the quarterly results.

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 21.80 cents.
Shaw and Partners forecasts a full year FY27 dividend of 0.00 cents and EPS of 26.00 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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