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Beforepay Group Limited

Beforepay Group Limited

AASX:B4P
1.35
AUD
+0.02
(+1.50%)
0.15EPS
7.62P/E
63.24MMarket Cap
Mar 03Next Earn
Beforepay Group Limited
ASX:B4P
(Australian Securities Exchange)

Recent

price

1.35

P/E

ratio

7.62

div

yld

- -

ROIC.AI

2021
2022
2023
2024
2025
2026
AUD
- -
0.44
0.66
0.68
0.84
1.02
Revenue per Share
- -
-0.84
-0.14
0.07
0.14
0.17
Basic EPS, GAAP
- -
- -
- -
- -
- -
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
Dividend per Share
1.18
0.7
0.58
0.65
0.81
0.98
Book Value per Share
1.17
0.7
0.58
0.62
0.73
0.87
Tangible Book Value per Share
46
35
46
52
48
49
Basic Weighted Avg Shares
- -
15
31
35
40
51
Sales/Revenue/Turnover
- -
-183.26
-15.58
23.39
25.76
22.35
Operating Margin (%)
- -
1
- -
1
1
3
Depreciation Expense
- -
-29
-7
4
7
8
Net Income, GAAP
- -
- -
- -
- -
- -
- -
Effective Tax Rate (%)
- -
-190.76
-21.61
10.94
16.79
16.27
Profit Margin (%)
61
53
27
65
64
40
Working Capital
7
21
- -
38
32
- -
LT Debt
55
33
27
31
39
49
Total Equity
- -
- -
- -
12.8
- -
- -
Return on Invested Capital (%)
- -
- -
- -
12.82
- -
- -
Return on Capital (%)
- -
-66.68
-22.32
13.47
19.3
18.65
Return on Common Equity (%)

Capital Structure

AUD

•

in mil. unless spec.
No data availableFinancial data will appear here once available

Working Capital

AUD

•

in mil. unless spec.
No data availableFinancial data will appear here once available

Growth Rates

AUD

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
1.77%
24.44%
Free Cash Flow
- -
- -
- -
Net Income, GAAP
- -
- -
22.1%
Sales/Revenue/Turnover
- -
- -
26%
Total Cash Common Dividend
- -
- -
- -

Semi-annual Revenue

AUD

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
35
2025
- -
- -
40
2026
- -
- -
51

Semi-annual Earnings Per Share

AUD

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
0.07
2025
- -
- -
0.14
2026
- -
- -
0.17

Semi-annual Dividends Per Share

AUD

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
- -
2025
- -
- -
- -
2026
- -
- -
- -
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Business
Beforepay Group Limited (ASX: B4P) is a financial technology company providing short-term lending solutions, earned wage access products, and digital financial services to consumers and businesses in Australia. The company offers core products including Beforepay Advance, a payday loan alternative delivering instant cash advances via mobile app with flexible repayment options; Beforepay Business, a B2B platform enabling employers to offer wage access to employees; and related services such as credit assessment tools, transaction processing, and financial wellness features powered by proprietary algorithms. These offerings target underserved consumers seeking rapid, transparent financing without traditional credit checks, operating primarily in Australia with headquarters in Sydney, founded in 2019. In recent developments, Beforepay Group Limited underwent a significant strategic shift in late 2024 through its acquisition by Zip Co Limited (ASX: ZIP), marking a major consolidation in the buy-now-pay-later and short-term lending sectors; the deal, valued at approximately A$492 million, led to Beforepay's integration as a key growth pillar for Zip's consumer lending portfolio. This transaction, completed in early 2025, expanded Beforepay's technological capabilities and distribution channels via Zip's established merchant network. No major new product launches or independent funding rounds have been reported post-acquisition, with operations now aligned under Zip's broader ecosystem serving Australia and select international markets.