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Home CompaniesBeforepay Group Ltd

Beforepay Group Ltd

Technology Software - Infrastructure
PortfolioPortfolio WatchlistWatchlist
Company price
1.355 AUD 0.06 ( 4.63%)
Last update at 2026-11-12T03:09:00Z
VOLUME
21063
Market Cap
71.34M
P/E
9.33

Momentum Score

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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.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
1.30
Low
1.36
High
52 Week Price Range
1.10
Low
2.77
High

Momentum Score

…
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Beforepay Group Ltd is an Australian fintech that provides earned-wage access and short-term cashflow solutions via a mobile app, monetising through subscriptions and service fees. Long-term growth may be supported by rising employer interest in employee financial-wellness tools, consumer demand for alternatives to payday lending, and the opportunity to scale recurring revenue as usage increases.
Key risks include regulatory uncertainty around earned-wage access, strong competitive pressure from banks and fintech rivals, and execution and profitability challenges as the business scales.

Risk Score
High

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
1.29
Dividend Yield
-
Revenue TTM
50.63M
Revenue Per Share
1.02
Gross Profit TTM
48.72M
Debt / Equity
0.75
ROE
18.65%
Net Debt
29.48M
ROCE
22.93%
Diluted EPS TTM
0.15

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Type yearly yearly yearly yearly yearly
Date 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Income before tax 6.73M 5.37M 3.86M -6.64M -29.14M
Net income 8.23M 6.74M 3.86M -6.64M -29.14M
Selling general administrative - 7.39M 6.91M 31.72M 8.01M
Selling and marketing expenses - 5.14M 3.54M - 12.84M
Gross profit 34.26M 38.62M 33.73M 30.12M 13.41M
Reconciled depreciation - 1.02M 0.51M 0.48M 0.62M
Ebit 11.33M 10.28M 8.27M - -27.50M
Ebitda 13.87M 11.30M 8.79M -2.96M -26.87M
Depreciation and amortization 2.54M 1.02M 0.51M - 0.62M
Operating income 11.33M 10.35M 8.26M -3.39M -27.50M
Other operating expenses 39.28M 29.82M 27.05M -0.36M 41.14M
Interest expense 4.60M 5.09M 4.43M 3.19M 1.64M
Tax provision - -1.37M 0.00M 0.00M 0.00M
Interest income - 0.01M 0.03M 3.24M 0.03M
Net interest income - -5.08M -4.40M -3.23M -1.69M
Income tax expense -1.50M -1.37M -0.00M - 0.05M
Total revenue 50.61M 40.17M 35.31M 32.11M 15.28M
Total operating expenses 22.93M 28.27M 25.53M - 39.26M
Cost of revenue 16.35M 1.55M 1.58M 1.99M 1.87M
Total other income expense net -4.60M -4.97M -4.40M 1.09M -1.59M
Net income from continuing ops - 6.74M 3.86M -6.64M -29.14M
Net income applicable to common shares - 6.74M 3.86M -6.64M -29.14M
Breakdown 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Type yearly yearly yearly yearly yearly
Date 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Total assets 90.12M 75.62M 73.49M 65.17M 57.89M
Intangible assets 5.56M 3.95M - 0.06M 0.09M
Other current assets 0.88M - 0.83M 1.22M 0.99M
Total liab 41.19M 36.29M 42.96M 38.35M 25.27M
Total stockholder equity 48.94M 39.33M 30.53M 26.83M 32.63M
Deferred long term liab - - - 0.06M 0.09M
Other current liab 4.10M - 3.93M 0.67M 1.74M
Common stock 80.97M - 80.48M 80.27M 80.27M
Capital stock - 80.55M - 80.27M 80.27M
Retained earnings -36.37M -44.60M -51.35M -55.21M -48.57M
Other liab - - - 0.04M 0.58M
Other assets - - - 0.26M 0.29M
Cash 7.41M 14.01M 19.23M 21.78M 28.37M
Total current liabilities 40.72M 4.76M 5.23M 38.31M 3.67M
Current deferred revenue 0.01M - - - -
Net debt 29.48M 16.45M 18.77M 11.51M -7.00M
Short term debt 36.42M - 0.28M 0.00M 0.35M
Short long term debt - - - 33.29M -
Short long term debt total 36.88M - 38.00M - 21.37M
Other stockholder equity - - - 1.77M 0.93M
Property plant equipment - - - 0.11M 0.91M
Total current assets 80.45M 68.63M 70.24M 64.81M 56.70M
Long term investments - 0.28M - 0.19M 0.19M
Net tangible assets - - - 26.83M 32.63M
Net receivables 72.16M 53.69M 50.18M 41.81M 27.33M
Long term debt - 30.46M - 0.00M 20.61M
Accounts payable 0.20M 0.91M 1.03M 0.47M 1.58M
Accumulated other comprehensive income 4.34M - 1.40M - 0.93M
Non currrent assets other 0.28M - 1.63M - 0.19M
Non current assets total 9.67M 6.99M 3.25M 0.36M 1.20M
Capital lease obligations - 1.45M - 0.40M 0.75M
Long term debt total - - - 0.00M 21.02M
Breakdown 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Type yearly yearly yearly yearly yearly
Date 2026-06-30 2025-06-30 2024-06-30 2023-06-30 2022-06-30
Investments - -3.52M -1.16M -0.02M -0.14M
Change to liabilities - - - 0.73M 2.32M
Total cashflows from investing activities -3.73M -3.52M -1.16M -0.02M -0.14M
Net borrowings - -6.31M 3.98M 12.00M 25.03M
Total cash from financing activities 5.04M -6.56M 2.65M 11.96M 54.70M
Change to operating activities - - - -14.31M 1.25M
Net income 8.23M 6.74M 3.86M -6.64M -29.14M
Change in cash -6.60M -5.22M -2.55M -6.59M 18.36M
Begin period cash flow 14.01M 19.23M 21.78M 28.37M 10.01M
End period cash flow 7.41M 14.01M 19.23M 21.78M 28.37M
Total cash from operating activities -7.91M 4.86M -4.04M -18.53M -36.20M
Issuance of capital stock - 0.07M 0.21M 0.00M 35.00M
Depreciation 2.54M - 0.51M 0.45M 0.47M
Other cashflows from investing activities - -3.44M -1.10M - -
Dividends paid - - - - 13.93M
Change to account receivables -18.52M -3.17M -8.70M - -18.46M
Sale purchase of stock - 0.07M 0.21M 0.00M -5.03M
Other cashflows from financing activities -0.39M -0.32M -1.53M -0.04M 24.97M
Change to netincome - - - 1.20M 7.19M
Capital expenditures 0.05M 3.52M 1.16M 0.02M 0.14M
Change in working capital -18.50M -3.87M -8.38M -626.55M -326.70M
Stock based compensation - - -0.37M - -
Other non cash items -0.19M 8.73M 0.34M - -
Free cash flow -7.96M 1.34M -5.20M -18.55M -0.14M

Peer Comparison*

Sector: Technology Industry: Software - Infrastructure

Stock Name
Change
(AUD)
Price
(AUD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
Enterprise Value
to EBITDA (x)
B4P
Beforepay Group Ltd		 0.06
4.63%		 1.35 9.33 - 1.41 1.42 1.95 7.20
XYZ
Block, Inc		 -0.24
0.19%		 125.71 111.51 15.77 2.89 2.22 1.63 11.60
MP1
Megaport Ltd		 -0.52
2.70%		 18.74 - 138.89 13.81 4.10 12.09 155.41
CCL
Cuscal Ltd		 -0.15
2.52%		 5.80 26.77 20.28 1.97 2.73 5.15 10.93
AXQ
Aura Consolidated Group, Inc.		 -0.69
18.35%		 3.07 - - 3.78 - 5.49 -

Profile*

Beforepay Group Ltd

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.

77 Castlereagh Street, Sydney, NSW, Australia, 2000

61 1300 870 711

https://www.beforepay.com.au

50

Name Title Year Born
Mr. James Twiss Chief Exec. Officer NA
Dean Fang Mao Guo Co-Founder NA
Mr. Michael Bencsik Chief Financial Officer NA
Mr. Micha Wotton Chief Technology Officer NA
Ms. Elena Chan Joint Company Sec., Chief Risk Officer & Gen. Counsel NA
Mr. Chris Richardson Chief Marketing Officer NA
Mr. Kasey Kaplan Chief Product Officer NA
Ms. Elizabeth Spooner Joint Company Sec. NA
Mr. James Twiss Chief Executive Officer NA
Rajini Carpenter Chief Technology Officer NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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