Beforepay Group Limited Fundamental Analysis (ASX: B4P.AX)
Beforepay Group Limited Fundamental Analysis (ASX: B4P.AX)
Beforepay Group Limited (ASX: B4P.AX) shows moderate financial fundamentals with a PE ratio of 7.65, profit margin of 18.55%, and ROE of 19.44%. The company generates $0.0B in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 70.0/100 based on profitability, valuation, growth, and balance sheet metrics. The B grade reflects solid fundamentals with room for improvement in valuation or growth.
Fundamental Health Score
We analyze B4P.AX's fundamental strength across five key dimensions:
Efficiency Score
ExcellentB4P.AX demonstrates superior asset utilization.
Valuation Score
ExcellentB4P.AX trades at attractive valuation levels.
Growth Score
ModerateB4P.AX shows steady but slowing expansion.
Financial Health Score
ExcellentB4P.AX maintains a strong and stable balance sheet.
Profitability Score
ExcellentB4P.AX achieves industry-leading margins.
Key Financial Metrics
Is B4P.AX Expensive or Cheap?
P/E Ratio
B4P.AX trades at 7.65 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, B4P.AX's PEG of 0.06 indicates potential undervaluation.
Price to Book
The market values Beforepay Group Limited at 1.41 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 3.06 times EBITDA. This is generally considered low.
How Well Does B4P.AX Make Money?
Net Profit Margin
For every $100 in sales, Beforepay Group Limited keeps $18.55 as profit after all expenses.
Operating Margin
Core operations generate 28.48 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $19.44 in profit for every $100 of shareholder equity.
ROA
Beforepay Group Limited generates $10.14 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Beforepay Group Limited generates limited operating cash flow of $1.55M, signaling weaker underlying cash strength.
Free Cash Flow
Beforepay Group Limited produces free cash flow of $1.47M, offering steady but limited capital for shareholder returns and expansion.
FCF Per Share
Each share generates $0.03 in free cash annually.
FCF Yield
B4P.AX converts 2.26% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
7.65
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.06
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.41
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.45
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.74
vs 25 benchmark
Current Ratio
Current assets to current liabilities
2.06
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.19
vs 25 benchmark
ROA
Return on assets percentage
0.10
vs 25 benchmark
ROCE
Return on capital employed
0.28
vs 25 benchmark
How B4P.AX Stacks Against Its Sector Peers
| Metric | B4P.AX Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 7.65 | 35.36 | Better (Cheaper) |
| ROE | 19.44% | 745.00% | Weak |
| Net Margin | 18.55% | -137640.00% (disorted) | Strong |
| Debt/Equity | 0.74 | 0.46 | Weak (High Leverage) |
| Current Ratio | 2.06 | 3.37 | Strong Liquidity |
| ROA | 10.14% | 276.00% | Weak |
B4P.AX outperforms its industry in 3 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Beforepay Group Limited's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
N/A
Industry Style: Growth, Innovation, High Beta
EPS CAGR
N/A
Industry Style: Growth, Innovation, High Beta
FCF CAGR
N/A
Industry Style: Growth, Innovation, High Beta