- AU$57.87m
- AU$79.01m
- AU$35.35m
- 46
- 81
- 84
- 79
Growth & Value
| 12m Forecast Rolling | Industry | Market | |
|---|---|---|---|
| PE Ratio (f) | 7.45 | ||
| PEG Ratio (f) | 0.24 | ||
| EPS Growth (f) | 44.4% | ||
| Dividend Yield (f) | n/a | ||
| Valuation (ttm) | Industry | Market | |
|---|---|---|---|
| Price to Book Value | 1.62 | ||
| Price to Tang. Book | 1.77 | ||
| Price to Free Cashflow | n/a | ||
| Price to Sales | 1.55 | ||
| EV to EBITDA | 7.85 | ||
Shareholder Activity
| Type | Buy / Hold / Sell |
|---|---|
| Institutions | |
| Directors | |
| Community |
Guru Screens
Quality
| Name | Industry | Market | |
|---|---|---|---|
| Return on Capital | 12.75% | ||
| Return on Equity | 13.68% | ||
| Operating Margin | 25.48% | ||
Financial Summary
| Year End 30th Jun | Unit | 2020 | 2021 | 2022 | 2023 | 2024 | 2025E | 2026E | CAGR / Avg |
|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | AU$m | 0.44 | 4.58 | 15.86 | 32.11 | 35.35 | 39 | 41 | 198.8% |
| Operating Profit | m | ||||||||
| Net Profit | m | ||||||||
| EPS Reported | |||||||||
| Diluted Normalised EPS | |||||||||
| EPS Growth | % | n/a | n/a | n/a | n/a | n/a | +65.24 | +41.67 | n/a |
| PE Ratio | x | ||||||||
| PEG | |||||||||
| Profitability | |||||||||
| Operating Margin | % | ||||||||
| ROA | % | ||||||||
| ROCE | % | ||||||||
| ROE | % | ||||||||
| Cashflow | |||||||||
| Op. Cashflow ps | |||||||||
| Capex ps | |||||||||
| Free Cashflow ps | |||||||||
| Dividends | |||||||||
| Dividend ps | |||||||||
| Dividend Growth | % | ||||||||
| Dividend Yield | % | ||||||||
| Dividend Cover | x | ||||||||
| Balance Sheet | |||||||||
| Cash etc | m | ||||||||
| Working Capital | m | ||||||||
| NFA | m | ||||||||
| Net Debt | m | ||||||||
| Book Value | m | ||||||||
| Diluted Weighted Average Shares | m | ||||||||
| Book Value ps | |||||||||
Other Ratios
| Leverage (ttm) | Total | - Intang | + Pension |
|---|---|---|---|
| Gross Gearing | |||
| Net Gearing | |||
| Cash / Assets |
| Liquidity (ttm) | |
|---|---|
| Curr. Ratio | |
| Quick Ratio | |
| Interest Cov. | |
| Efficiency (ttm) | |
|---|---|
| Asset Turnover | |
| Recs Turnover | |
| Stock Turnover | |
Recent History
| Latest interim period vs. prior period | Industry | Market | |
|---|---|---|---|
| Sales Growth | |||
| EPS Growth | |||
| 3yr Compound Annual Growth Rate | Industry | Market | |
|---|---|---|---|
| Sales CAGR | |||
| EPS CAGR | |||
| DPS CAGR | |||
Profile Summary
Beforepay Group Limited is an Australia-based lending fintech company. The Company is engaged in providing finance to its customers by way of pay on demand advances. The Company advances people relatively small sums of money (around $360 on average) over relatively short periods of time (three-four weeks on average), to enable people to get through a short term challenge. Its flagship pay advance product is a way for customers to access a portion of their pay, on demand, for a single fixed fee to help them through short-term cash-flow challenges. Its solutions support financial empowerment, providing customers with in-app tools for budgeting, spending insights and content on financial health to enhance their ability to make informed fiscal decisions. Its Beforepay is an application that helps Australians access their pay on demand, track their spending habits and learn how to budget. Its subsidiaries include Beforepay Finance Pty Ltd, Beforepay Ops Pty Limited and Beforepay IP Pty Ltd.
Directors
- Brian Hartzer NEC
- Jamie Twiss CEO
- David Hwang SEC
- Elizabeth Spooner SEC
- Natasha Davidson NED
- Danny Moss NED
- Patrick Tuttle NED
- Stefan Urosevic NED
- Luke Bortoli NID
- Last Annual
- June 30th, 2024
- Last Interim
- December 31st, 2024
- Incorporated
- June 5th, 2019
- Public Since
- January 17th, 2022
- No. of Shareholders
- 1,016
- No. of Employees
- 42
- Sector
- Software & IT Services
- Industry
- Technology
- Exchange
Australian Stock Exchange - SEATS- Shares in Issue
- 48,220,946
- Address
- Suite 2, Level 6, 50 Carrington Street, SYDNEY, 2000
- Web
- https://www.beforepay.com.au/
- Phone
- +61 300870711
- Auditors
- Ernst & Young
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FAQ
As of Today at 19:32 UTC, shares in Beforepay are trading at AU$1.20. This share price information is delayed by 15 minutes.
Shares in Beforepay last closed at AU$1.20 and the price had moved by +71.43% over the past 365 days. In terms of relative price strength the Beforepay share price has outperformed the ASX All Ordinaries Index by +64.35% over the past year.
The overall consensus recommendation for Beforepay is Buy. You can view the full broker recommendation list by unlocking its StockReport.
Find out moreBeforepay does not currently pay a dividend.
Beforepay does not currently pay a dividend.
Beforepay does not currently pay a dividend.
To buy shares in Beforepay you'll need a share-dealing account with an online or offline stock broker. Once you have opened your account and transferred funds into it, you'll be able to search and select shares to buy and sell. You can use Stockopedia’s share research software to help you find the the kinds of shares that suit your investment strategy and objectives.
As of the previous close price of AU$1.20, shares in Beforepay had a market capitalisation of AU$57.87m.
Here are the trading details for Beforepay:
- Country of listing: Australia
- Exchange: ASX
- Ticker Symbol: B4P
Based on an overall assessment of its quality, value and momentum Beforepay is currently classified as a Neutral. The classification is based on a composite score that examines a wide range of fundamental and technical measures. Stock are classified on the the following spectrum: Super Stocks, High Flyers, Contrarians, Turnarounds, Neutral, Value Traps, Momentum Traps, Falling Stars, and Sucker Stocks. For more information, learn about our StockRank Styles.
The analyst consensus target price for shares in Beforepay is AU$2.15. That is 79.17% above the last closing price of AU$1.20.
Analysts covering Beforepay currently have a consensus Earnings Per Share (EPS) forecast of AU$0.12 for the next financial year.
Find out moreAn important predictor of whether a stock price will go up is its track record of momentum. Price trends tend to persist, so it's worth looking at them when it comes to a share like Beforepay. Over the past six months, its share price has outperformed the ASX All Ordinaries Index by +8.22%.
As of the last closing price of AU$1.20, shares in Beforepay were trading +8.98% higher than their 200 day moving average. You can read more about the power of momentum in assessing share price movements on Stockopedia.
The Beforepay PE ratio based on its reported earnings over the past 12 months is 7.45. The shares last closed at AU$1.20.
The PE ratio (or price-to-earnings ratio) is the one of the most popular valuation measures used by stock market investors. It is calculated by dividing a company's price per share by its earnings per share.
The PE ratio can be seen as being expressed in years, in the sense that it shows the number of years of earnings which would be required to pay back the purchase price, ignoring inflation. So in general terms, the higher the PE, the more expensive the stock is.
Beforepay's management team is headed by:
- Brian Hartzer - NEC
- Jamie Twiss - CEO
- David Hwang - SEC
- Elizabeth Spooner - SEC
- Natasha Davidson - NED
- Danny Moss - NED
- Patrick Tuttle - NED
- Stefan Urosevic - NED
- Luke Bortoli - NID