Beforepay Group Ltd
ASX:B4P
Decide at what price you'd be comfortable buying and we'll help you stay ready.
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P/E
Price to Earnings (P/E) ratio shows how much investors pay for each dollar of a company`s earnings. It`s calculated by dividing the company`s market value by its total earnings.
Price to Earnings (P/E) ratio shows how much investors pay for each dollar of a company`s earnings. It`s calculated by dividing the company`s market value by its total earnings.
Valuation Scenarios
If P/E returns to its 3-Year Average (9.8), the stock would be worth AU$1.6 (3% upside from current price).
| Scenario | P/E Value | Implied Price | Upside/Downside |
|---|---|---|---|
| Current Multiple | 9.5 | AU$1.55 |
0%
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| 3-Year Average | 9.8 | AU$1.6 |
+3%
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| 5-Year Average | 9.8 | AU$1.6 |
+3%
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| Industry Average | 20.3 | AU$3.32 |
+114%
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| Country Average | 22.3 | AU$3.64 |
+135%
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Forward P/E
Today’s price vs future net income
| Today's Market Cap | Net Income | Forward P/E | ||
|---|---|---|---|---|
|
AU$71m
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/ |
Jan 2026
AU$8.1m
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= |
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AU$71m
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/ |
Jun 2026
AU$9.3m
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= |
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AU$71m
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/ |
Jun 2027
AU$10.8m
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= |
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AU$71m
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/ |
Jun 2028
AU$10.8m
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= |
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AU$71m
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/ |
Jun 2029
AU$10.7m
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= |
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Forward P/E shows whether today’s P/E still looks high or low once future net income are taken into account.
Peer Comparison
| Market Cap | P/E | ||||
|---|---|---|---|---|---|
| AU |
B
|
Beforepay Group Ltd
ASX:B4P
|
77.2m AUD | 9.5 | |
| US |
|
American Express Co
NYSE:AXP
|
217.4B USD | 19.6 | |
| US |
|
Capital One Financial Corp
NYSE:COF
|
119.6B USD | 41.4 | |
| IN |
|
Bajaj Finance Ltd
NSE:BAJFINANCE
|
5.7T INR | 31.7 | |
| US |
|
Discover Financial Services
NYSE:DFS
|
50.3B USD | 9.1 | |
| US |
|
Synchrony Financial
NYSE:SYF
|
25.8B USD | 7.3 | |
| IN |
|
Shriram Finance Ltd
NSE:SHRIRAMFIN
|
2.3T INR | 22.6 | |
| US |
|
SoFi Technologies Inc
NASDAQ:SOFI
|
23.8B USD | 49.5 | |
| KZ |
K
|
Kaspi.kz AO
NASDAQ:KSPI
|
17B USD | 0 | |
| IN |
|
Muthoot Finance Ltd
NSE:MUTHOOTFIN
|
1.4T INR | 16 | |
| IN |
|
Tata Capital Ltd
NSE:TATACAP
|
1.3T INR | 31.1 |
Market Distribution
| Min | 0 |
| 30th Percentile | 15.9 |
| Median | 22.3 |
| 70th Percentile | 36.3 |
| Max | 5 709.2 |
Other Multiples
Beforepay Group Ltd
Glance View
Beforepay Group Ltd. provides online payment services through mobile application. The company is headquartered in Sydney, New South Wales. The company went IPO on 2022-01-17. The firm has smartphone application designed for iOS and Android devices and a browser- based application. The firm's application platform consists of budgeting tools, pay cycle detection algorithm, and credit-risk model and credit process. Its platform is a payday lender, allowing users to access money before their actual pay packet lands.
