Beforepay Group Limited
B4P.ASXFinancials
Beforepay is an ethical-lending fintech that was founded in 2019 to support working Australians who have not been well-served by the traditional financial services industry. Beforepay's flagship pay advance product is a safe and affordable way for custo
Market Data
$1.320
-0.0%$66.0M
8.2x
$0.161
0.00%
-0.3%
Latest Earnings
Beforepay Half Year Results to 31 December 2025
26 February 2026
Beforepay delivered strong H1 FY26 results with revenue up 19% to $23.4M and NPAT jumping 50% to $4.2M, driven by growth in advance volumes and improved margins. The company maintained low net defaults at 1.3% while expanding its Personal Loan product and US-focused Carrington Labs division. Cash position decreased to $9.1M from strategic investments in growth initiatives, but the company maintains a solid balance sheet with $44.4M in equity. Key points: Strong revenue growth of 19% to $23.4M driven by robust holiday season demand; NPAT surged 50% to $4.2M demonstrating operational leverage and disciplined cost management; Net transaction margin increased 20% to $14.3M with margin percentage improving to 3.1%
Recent Announcements
Beforepay Half Year Results to 31 December 2025
Beforepay delivered strong H1 FY26 results with revenue up 19% to $23.4M and NPAT jumping 50% to $4.2M, driven by growth in advance volumes and improved margins. The company maintained low net defaults at 1.3% while expanding its Personal Loan product and US-focused Carrington Labs division. Cash position decreased to $9.1M from strategic investments in growth initiatives, but the company maintains a solid balance sheet with $44.4M in equity. Key points: Strong revenue growth of 19% to $23.4M driven by robust holiday season demand; NPAT surged 50% to $4.2M demonstrating operational leverage and disciplined cost management; Net transaction margin increased 20% to $14.3M with margin percentage improving to 3.1%
Appendix 4D and Half Year Report
Beforepay Group delivered strong H1 FY26 results with revenue up 18.7% to $23.4M and NPAT surging 49.7% to $4.2M, driven by growth in lending volumes and strong net transaction margins. The company continued profitable growth while expanding both its consumer Pay Advance business and global B2B Carrington Labs division. Key points: Strong profit growth with NPAT up 49.7% to $4.2M demonstrating operational leverage; Net Transaction Margin increased 20% to $14.3M showing improved unit economics; Total advances grew 18% to $467M with average advance up 17% to $458
1H FY26 Financial Results and Investor Webinar
This is a preliminary announcement from Beforepay Group Limited (ASX: B4P) advising that their 1H FY26 financial results will be released on February 26, 2026, followed by an investor webinar. No actual financial results or metrics are provided in this announcement - it is purely a scheduling notice for the upcoming results release and webinar. Key points: Scheduled investor webinar with CEO and CFO to discuss 1H FY26 results; Management will provide overview of business activities and highlights; Q&A session planned for stakeholder engagement
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