Beforepay Group (ASX:B4P) Shares Jump 7% — Why Investors Are Buying Today

Sonal Goyal

25 August 2026 04:22 PM AEST

Beforepay Group (ASX:B4P) Shares Jump 7% — Why Investors Are Buying Today

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Key Highlights

B4P shares rose 7.45% to $1.88, up 0.13 on the day
Cash NPAT increased 57 percent to $15.7 million
Total advances rose 19 percent to $963.2 million; Personal Loans up 728 percent
Revenue increased 26 percent to $50.6 million
A new $100 million lower-cost Debt Facility was secured after year end

Beforepay Group Limited (ASX:B4P) shares were trading 7.45% higher at AUD 1.88, up 0.13 on the day, as at 3:07pm AEST on 25 August 2026, after the Fintech lender reported strong growth across its FY26 results. Cash NPAT rose 57 percent to $15.7 million from $10.0 million in FY25, while statutory net profit after tax increased 22 percent to $8.2 million. Revenue climbed 26 percent to $50.6 million, driven by higher Pay Advance volume, growth in Personal Loans and the rollout of interest charges on Pay Advances.

Why Beforepay Shares Are Higher Today

The gain follows a set of growth metrics across profit, advances and revenue:

Cash NPAT: $15.7 million, up 57 percent from $10.0 million
Statutory NPAT: $8.2 million, up 22 percent
Revenue: $50.6 million, up 26 percent
Cash NPAT per FTE: $313,713, up 35 percent
Total advances: $963.2 million, up 19 percent, with average advance size up 16.6 percent to $456

Personal Loans and Bad Debts

Personal Loans advances: $16.9 million, up 728 percent from $2.0 million
Pay Advance advances: $946.4 million, up 17.5 percent
Net bad debts: 0.5 percent, up from 0.2 percent, reflecting the higher-risk Personal Loans product (3.3 percent bad debt rate)
Full year of interest on FY26 Pay Advance volumes estimated at ~$12.5 million in annual interest income

Funding and Balance Sheet

Equity: $48.9 million; total cash: $13.1 million at 30 June 2026
New $100 million senior secured asset-backed revolving Credit facility secured 28 July 2026
Facility expected to cut funding costs by 3 to 4 percentage points, saving more than $1 million annually

Outlook

CEO Jamie Twiss said the company enters FY27 with momentum, pointing to Personal Loans growth, the benefits of interest on Pay Advances, and the new lower-cost debt facility — factors that appear to be supporting today's share price move.

FAQs

Q: Why is Beforepay's share price up today?

A:B4P shares rose 7.45% to $1.88 after the company reported a 57 percent increase in Cash NPAT to $15.7 million and 728 percent growth in Personal Loans advances for FY26.

Q: What was Beforepay's Cash NPAT for FY26?

A:Beforepay reported Cash NPAT of $15.7 million for FY26, up 57 percent from $10.0 million in FY25.

Q: How much did Beforepay's Personal Loans grow in FY26?

A:Personal Loans advances increased 728 percent to $16.9 million from $2.0 million in FY25.

Q: Did Beforepay's net bad debts increase in FY26?

A:Yes, net bad debts rose to 0.5 percent from 0.2 percent, reflecting the inclusion of the higher-risk Personal Loans product.

Q: What new funding facility did Beforepay secure?

A:On 28 July 2026, Beforepay entered into a new $100 million senior secured asset-backed revolving credit facility, expected to lower funding costs by 3 to 4 percentage points.

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