Beforepay Group Ltd
Beforepay Group Ltd provides software solutions for consumer finance, enabling users to make purchases and pay in installments.
Business. Beforepay Group Ltd (B4P.AX) is a software company operating within the Technology sector, specifically focused on Software & IT Services. The firm utilizes a subscription-based revenue model, with key performance indicators including annual recurring revenue and net revenue retention. Specific details regarding operating segments and geographic mix are not available. The company is listed under the ticker B4P.AX.
Analyst recommendations
1 analysts · consensus BuyAt a glance
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- Peers
- EarningsQ2 2026 earnings (expected)2026-07-28 · estimated · ServiceNow (NOW)
- EarningsQ2 2026 earnings (expected)2026-08-28 · estimated · Salesforce (CRM)
- Macro
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-07-08 · AU
- Rate decisionBank of Canada rate decision (press conf.)2026-07-15 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-07-16 · EU
- Rate decisionBank of Japan rate decision (press conf.)2026-07-16 · JP
- Rate decisionFederal Reserve rate decision (press conf.)2026-07-29 · US
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
Signals & dispatch
Composite-score breakdown
Synthesis
Beforepay Group Ltd (B4P.AX) is a software company operating within the Technology sector, specifically focused on Software & IT Services. The firm utilizes a subscription-based revenue model, with key performance indicators including annual recurring revenue and net revenue retention. Specific details regarding operating segments and geographic mix are not available. The company is listed under the ticker B4P.AX.
Beforepay maintains a liquidity position with a current ratio of 14.41, indicating strong short-term asset coverage over liabilities. The company's price-to-book ratio of 1.68 and price-to-tangible-book ratio of 1.68 suggest market valuation is in line with tangible asset value. However, the debt-to-equity ratio of 0.81 indicates moderate leverage, with long-term debt of AUD 31.9 million against equity of AUD 39.3 million.
Profitability metrics show a return on equity of 17.14% and return on assets of 8.92%, outperforming typical software industry benchmarks for asset efficiency. Operating income of AUD 10.5 million and net income of AUD 6.7 million reflect strong margins, with gross profit of AUD 38.7 million representing 96% of revenue. These results position Beforepay favorably against cohort medians for software firms.
The company's revenue of AUD 40.3 million is concentrated in a single disclosed segment, with no geographic breakdown provided in the latest financials. This lack of diversification introduces concentration risk, though the absence of geographic data limits further assessment.
Outlook data is not available for Beforepay, but historical revenue growth and analyst price targets suggest potential upside. Analysts have assigned a mean price target of AUD 2.70, implying a 103% increase from the current market price of AUD 1.33. The company's free cash flow of AUD 7.7 million and operating cash flow of AUD 4.9 million support reinvestment or shareholder returns.
Risk assessment highlights medium liquidity risk due to negative net cash after subtracting total debt. Dilution risk is rated low, with no near-term pressure indicated by the absence of dilutive events in the latest filings. The company's capital structure remains stable, with no significant adjustments noted in valuation models.
Recent filings and transcripts are not available in the provided data, limiting insight into management commentary or strategic shifts. Analysts have issued one "buy" recommendation and no "strong buy" or "hold" ratings, suggesting cautious optimism.
- Beforepay's strong liquidity and profitability metrics position it favorably in the software sector.
- The company's high return on equity and operating margins outperform typical industry benchmarks.
- Analysts project significant upside with a mean price target of AUD 2.70, implying a 103% increase.
- Moderate leverage and negative net cash after debt raise liquidity concerns.
- Revenue concentration in a single segment introduces operational risk.
- No recent events or transcripts are available to assess strategic direction.
Bull / Bear case
Generated · model-assistedIn focus — financials by report
Valuation
Revenue by segment
Business relationships
Supply chain
Peer comparison
Market position
Stress test
Predictor forecast
| Metric | Our forecast | Guidance | Consensus |
|---|---|---|---|
| EPS | —no estimate | —no estimate | 0,15 |
| Revenue | —no estimate | —no estimate | 48,0M AUD |
| Operating income | —no estimate | —no estimate | 11,0M AUD |
Options
Short squeeze
Earnings-call key lines
Consensus distribution
sell-side coverageEstimate revisions
consensus EPS · 26-week trendSell-side observations
Themes
ESG
Risk factors
- Net cash is negative after subtracting total debt.
Benchmarks vs cohort
Corporate actions / M&A
FX exposure
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- Ev To Operating Cash Flowenterprise_value / operating_cash_flow
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- Price To Earningsmarket_price / (net_income / shares_outstanding_diluted)
- Price To Bookmarket_price / (adjusted_book_value / shares_outstanding_diluted)
- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
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- Beforepay Group Ltd Market data — financials · 2026-05-27
- Beforepay Group Ltd Market data — analyst estimates · 2026-05-27