Beforepay Group Ltd (B4P) fair value: what the stock is really worth
As of Nov 10, 2026: fair value (intrinsic value) of Beforepay Group Ltd stock A$3.87, price A$1.29, upside +200.0%, quality 40 out of 100. Rating: strongly undervalued. Calculated from audited financials with 15 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 9, 2026.
How to read this chart
58‑month range A$0.2250 – A$2.75 · fair‑value band A$1.72 – A$4.97 · the A$1.29 price screens below the A$3.87 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 9, 2026.
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Beforepay Group Limited provides finance to its customers by way of pay on demand advances.
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It offers Beforepay that allows customers to access short-term loans through its pay advance and personal loan products to manage short-term cash flow challenges; and Carrington Labs, which provides cash flow underwriting and credit risk analytics solutions.
The company was incorporated in 2019 and is based in Sydney, Australia.
Stock analysis
Beforepay Group Ltd (B4P) currently trades at A$1.29, while our model-based Fair Value estimate is A$3.87, implying the stock looks roughly 67% undervalued today.
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Valuation
Bull case: the Growth Earnings group reads highest at a median of A$8.16 per share, and 12 of the 15 models we run sit above the A$1.29 price.
Bear case: the Asset-Based group reads lowest at A$0.7700, and 3 of the 15 models stay below the price. Data coverage for this calculation is low.
Scenario range: A$1.72 (bear) to A$4.97 (bull), the price of A$1.29 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 40/100 (below-average quality), in the Technology sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Beforepay Group Ltd reported revenue of A$50.6M in FY2026 versus A$15.3M in FY2022, a compound +34.9%/yr. Reported net income was A$8.2M in FY2026.
Key figures
Market cap A$70.4M (≈ $48.7M) Micro · P/E ratio 8.6 · P/S ratio 1.39 · EPS (TTM) A$0.1500 · Net margin 16.3% · Return on equity 18.7% · Return on assets (EBIT) −0.4% (5-year average) · Operating margin 19.5%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 66 out of 100 (low confidence).
What moves the price
The share trades about 53% below its 52-week high and 9% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Technology peers we cover trades at −14% fair-value upside, at 200%, B4P screens cheaper than that median.
Fair Value models
BearA$1.72Fair Value A$3.87BullA$4.97
Price A$1.29 · Upside +200.0%
Capped: our models arrive at a very high value here. We deliberately show a more cautious Fair Value.
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2026 figures (about 4 months old). Earnings retained since then (A$0.0547 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+26.0%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+18.1%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+62.2%
Start year 2021 (pandemic)
Revenue growth 6 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+222.7%
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What shareholders gained per year (last 3 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 3 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: EBIT basis.
+10.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+10.7%
Dividend (yield on the price)0.0%
Profit margin 2021 to 2026 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.−90% → 22%
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Software - Infrastructure · 345 stocks
Beats the industry median on 10/12 measures
Overall it ranks above its industry peers.
Valuation
Quality Score40 · Bottom 25%
Fair Value upside+200.0% · Top 25%
Profitability
Return on equity (12 months)18.7% · Top 25%
Return on assets9.1% · Top 25%
Net margin (12 months)16.3% · Top 25%
Operating margin (12 months)19.5% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)32.8% · Top 25%
Balance sheet
Debt / equity0.62× · Highest 25%
Valuation Multiplesvs Software - Infrastructure median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Beforepay Group Ltd Fair Value". https://www.fairvalue-calculator.com/stock/B4P
Frequently asked questions
Is Beforepay Group Ltd (B4P) overvalued or undervalued?
As of Nov 9, 2026, our model estimates a fair value of A$3.87 versus a price of A$1.29, about +200% upside (undervalued).
What is the fair value of B4P?
Our model-based fair value for Beforepay Group Ltd is A$3.87 (as of Nov 9, 2026), built from audited fundamentals. The current price: A$1.29.
What is the quality score of B4P?
Beforepay Group Ltd has a Quality Score of 40/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Beforepay Group Ltd (B4P)?
Our model-based price target is the fair value of A$3.87 (as of Nov 9, 2026) from 15 valuation models. Cautious scenario A$1.72, optimistic scenario A$4.97. It is a calculation from audited fundamentals, not an analyst target.
What is the Beforepay Group Ltd stock forecast for 2026?
Our models put fair value at A$3.87, about +200% upside versus a price of A$1.29 (undervalued). Cautious scenario A$1.72, optimistic scenario A$4.97. The calculation is refreshed regularly with new filings.
What is the revenue of Beforepay Group Ltd (B4P)?
Beforepay Group Ltd reported trailing-twelve-month revenue of about A$50.6M (latest available figure, as of Nov 9, 2026).
What is the intrinsic value of Beforepay Group Ltd (B4P)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Beforepay Group Ltd it is A$3.87 per share (as of Nov 9, 2026), against a price of A$1.29. It is the blended result of 15 valuation models in 6 families (DCF Models, Earnings-Based, Multiples, Asset-Based, Economic Profit, Growth Earnings).
Is Beforepay Group Ltd stock overvalued or undervalued in 2026?
As of Nov 9, 2026, B4P trades below its calculated fair value: price A$1.29, fair value A$3.87, a gap of about +200% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of B4P?
No. The price is what the market pays today (A$1.29); the fair value is what the company's own numbers justify (A$3.87). For Beforepay Group Ltd the two are A$2.58 per share apart. That gap is exactly why we show both numbers side by side.
How much is Beforepay Group Ltd worth?
The market values Beforepay Group Ltd at about A$70.4M (market capitalisation, as of Nov 9, 2026). Per share that is A$1.29; our models calculate a fair value of A$3.87 per share.
What do the bullish and bearish scenarios say about B4P?
Our models span a range for Beforepay Group Ltd: cautious scenario A$1.72, base A$3.87, optimistic A$4.97 per share (as of Nov 9, 2026, price A$1.29). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of B4P?
Beforepay Group Ltd trades at a price-to-earnings ratio of 8.6 (as of Nov 9, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of A$3.87 is built from several models across several years. Other multiples: P/B 1.4, P/S 1.4, EV/EBITDA 8.2.
How solid is the balance sheet of Beforepay Group Ltd (B4P)?
Balance-sheet figures for Beforepay Group Ltd (as of Nov 9, 2026): return on equity 18.7%, debt of 0.62 per unit of equity. They feed the Quality Score of 40/100, which measures business quality independently of the share price.
How far is B4P from its 52-week high?
Beforepay Group Ltd trades at A$1.29, about 53% below its 52-week high of A$2.75 and 9% above the low of A$1.18 (as of Nov 10, 2026). Distance from the high says nothing about value: that is what the fair value of A$3.87 is for.
Which stocks are comparable to Beforepay Group Ltd?
From the same area (Technology) we also value Microsoft Corporation, Oracle Corporation, Palantir Technologies Inc, Palo Alto Networks, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Beforepay Group Ltd stock attractive at the current price?
The data as of Nov 9, 2026: price A$1.29, calculated fair value A$3.87 (+200%), Quality Score 40/100, from 15 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of B4P calculated?
We run Beforepay Group Ltd through 15 models from 6 families: DCF Models, Earnings-Based, Multiples, Asset-Based, Economic Profit, Growth Earnings. Every model gets the same audited fundamentals; the fair value of A$3.87 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.7% above its aggregate fair value. Beforepay Group Ltd currently trades 67% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Beforepay Group Ltd (B4P)?
The closing price on Nov 10, 2026 was A$1.29. Our model-based fair value is A$3.87, about +200% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Beforepay Group Ltd right now?
The large discount to fair value meets weak quality (40/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case (A$1.72). The market is more pessimistic than our downside scenario. The model range is unusually wide (A$1.72 to A$4.97). The outcome hinges heavily on assumptions, so read the point estimate with caution. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution.
Key figures of Beforepay Group Ltd
How large is the market capitalisation of Beforepay Group Ltd (B4P)?
The market capitalisation of Beforepay Group Ltd is A$70.4M (≈ $48.7M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Beforepay Group Ltd (B4P)?
The price-to-sales ratio of Beforepay Group Ltd is 1.39 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Beforepay Group Ltd (B4P)?
Earnings per share at Beforepay Group Ltd are A$0.1500 (price ÷ EPS = P/E 8.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Beforepay Group Ltd (B4P)?
The net margin of Beforepay Group Ltd is 16.3% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Beforepay Group Ltd (B4P)?
The return on equity (ROE) of Beforepay Group Ltd is 18.7% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Beforepay Group Ltd (B4P)?
On an EBIT basis the return on assets of Beforepay Group Ltd is −0.4% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Beforepay Group Ltd (B4P)?
The operating margin of Beforepay Group Ltd is 19.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Beforepay Group Ltd (B4P)?
Revenue at Beforepay Group Ltd is growing +32.8% versus a year earlier (3y avg +18.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Beforepay Group Ltd (B4P)?
Earnings per share at Beforepay Group Ltd are growing −12.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Beforepay Group Ltd (B4P) generate?
The free cash flow of Beforepay Group Ltd is −A$8.0M (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Beforepay Group Ltd (B4P) carry?
The net debt of Beforepay Group Ltd is A$29.5M (fiscal year 2026). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Thin data
Nov 9, 2026