YOLFTbeta
Beforepay Group Ltd

Beforepay Group Ltd

B4P · AU · Technology / Software - Infrastructure

1.30AUD-0.05 (-4.06%)

Price History

Full chart

Market Stats

Previous Close1.36
Open1.40
Day Range1.30 – 1.40
52-Week Range1.18 – 2.77
Volume13.36K
Market Cap79.49M
P/E (TTM)10.40
Forward P/E0.00
EPS0.15
Dividend Yield0.00%
Beta1.60
50-Day Avg1.66
200-Day Avg1.61

About

Beforepay Group Limited provides finance to its customers by way of pay on demand advances. It offers Beforepay access to credit designed to help manage short term cash flow challenges through pay advance and personal loan products. The company also provides Carrington Labs, which provides lenders with credit risk analytics and cash flow underwriting models. The company was incorporated in 2019 and is based in Sydney, Australia.

Company Details

  • SectorTechnology
  • IndustrySoftware - Infrastructure
  • CEOMr. James Twiss
  • Employees50
  • Headquarters77 Castlereagh Street, Sydney, NSW, Australia, 2000, Australia
  • Websitehttps://www.beforepay.com.au

Leadership

  • Mr. James TwissChief Executive Officer
  • Ms. Laavanya PariChief Financial Officer
  • Dean Fang Mao GuoCo-Founder
  • Rajini CarpenterChief Technology Officer
  • Danny YounisInvestor Relations Executive
  • Noeleene YapMarketing & Communications Manager
  • Mr. Kasey KaplanChief Product Officer
  • Mr. Euh Hwang B.A., L.L.B.Company Secretary · b. 1986

Financials

Income Statement

Currency: AUD2019-06-302020-06-302021-06-302022-06-302023-06-302024-06-302025-06-302026-06-30
Total Revenue-44.78K4.50M15.28M30.71M35.31M40.17M50.61M
Growth (%)--+9954.25%+239.26%+101.03%+14.99%+13.74%+26.00%
Cost of Revenue--1.42M1.87M13.24M1.58M1.55M16.35M
Gross Profit-44.78K3.08M13.41M17.47M33.73M38.62M34.26M
Gross Margin-100.00%68.38%87.75%56.90%95.53%96.15%67.69%
Operating Expense-1.58M7.12M32.33M21.97M25.47M28.27M22.93M
Operating Income-17.16K-1.54M-4.04M-18.93M-4.49M8.26M10.35M11.33M
Operating Margin--3430.49%-89.70%-123.90%-14.63%23.39%25.76%22.38%
EBITDA-17.16K-1.34M-18.03M-27.17M-4.28M8.79M11.30M13.87M
EBITDA Margin--3001.16%-400.50%-177.87%-13.94%24.88%28.13%27.41%
Net Income-17.16K-1.49M-19.60M-29.14M-6.64M3.86M6.74M8.23M
Net Income Margin--3322.98%-435.24%-190.76%-21.61%10.94%16.79%16.27%
R&D-65.66K131.31K153.58K30.58K63.03K557.60K-
R&D as % of Total Revenue-146.60%2.92%1.01%0.10%0.18%1.39%-
Interest Expense053.78K1.38M1.89M3.24M4.43M5.09M4.60M
Interest Expense % of Total Revenue-120.09%30.68%12.39%10.56%12.55%12.67%9.09%

Balance Sheet

Currency: AUD2019-06-302020-06-302021-06-302022-06-302023-06-302024-06-302025-06-302026-06-30
Total Assets400.10K1.64M63.19M57.89M65.17M73.49M75.62M90.12M
Total Liabilities17.16K165.46K8.41M25.27M38.35M42.96M36.29M41.19M
Total Equity382.94K649.91K54.78M32.63M26.83M30.53M39.33M48.94M
Cash100825.79K50.72M28.37M21.78M19.23M14.01M7.41M
Total Debt--34.32M21.37M33.69M38.00M31.91M36.88M
Net Debt-100-825.79K-43.71M-7.00M11.91M18.77M17.90M29.48M

Cash Flow

Currency: AUD2019-06-302020-06-302021-06-302022-06-302023-06-302024-06-302025-06-302026-06-30
Operating Cash Flow-837.54K-1.68M-21.85M-36.20M-18.53M-4.04M4.86M-7.91M
Investing Cash Flow-427.84K-427.84K-228.54K-141.39K-16.71K-1.16M-3.52M-3.73M
Financing Cash Flow1.20K2.09M30.43M54.70M11.96M2.65M-6.56M5.04M
Capital Expenditure25.60K427.84K228.54K141.39K16.71K1.16M3.52M45.40K
Free Cash Flow--2.10M-22.08M-141.39K-18.55M-5.20M1.34M-7.96M
Dividends Paid---13.93M----
FCF to OCF-125.53%101.05%0.39%100.09%128.85%27.64%100.57%
Dividend Paid to FCF----9854.62%----

Earnings

Report DateFeb 27, 2022Aug 30, 2022Feb 26, 2023Feb 26, 2025Aug 25, 2025
EPS Estimate0.000.000.000.000.00
EPS Actual-0.45-0.37-0.090.050.08
Surprise-----
TimingAfter-hours----

Key Statistics & Ratios

Market Cap79.49M
Enterprise Value111.48M
Trailing P/E10.40
Forward P/E0.00
Price / Sales1.57
Price / Book1.68
EPS0.15
Book Value0.983
Revenue (TTM)50.63M
Gross Profit (TTM)48.72M
EBITDA11.40M
Profit Margin16.26%
Operating Margin19.54%
Return on Equity18.65%
Return on Assets8.56%
Shares Outstanding50.96M
Shares Float30.91M
Beta1.60
Dividend Yield0.00%
Dividend Rate0.00
Payout Ratio0.00%