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B4P.AX$1.28+0.79%
Fair $1.28+0.0%

B4P.AX

Beforepay Group Limited

Technology / Software - InfrastructureASX

$1.28

+0.01 (+0.79%)

Fairly Valued+0.0%Fair Value $1.28Fund rank 25/100 · Data gapFallback financials|
SA 47/C
F-Score: 6/9

FCF base 3Y

n/d

n/d CAGR · yield n/d

FCF base 5Y

n/d

n/d base · n/d expected

Precio de entrada

n/d

MOS 34% · confianza 17%

FCF escenarios

weak_data · normalized FCF $-5.2M · quality 41.3/100

Data gap 25/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 15/100Data QA 20/100

Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.

Quality + valuation scorecard

SA Score

47/100

C

Piotroski

6/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

16/100

SEC 0%

Latest source: unknownPeriods: 4Warnings: 0unknown: 4
No SEC-backed annual rows; valuation uses fallback financial data. Insufficient audited annual history (<3 SEC-backed years); composite fair value and forward targets are disabled until manually verified.
Thesis & Journal · B4P.AXLocal privado en este navegador · Beforepay Group Limited
Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Sin guardar todavía.

Market Cap

$64M

P/E

8.0x

↓

EV/EBITDA

7.5x

↓

ROE

17.1%

↑

Gross Margin

96.2%

↑

Debt/Equity

0.81

↑
52-Week Range$1
$1$3

TradingView lightweight chart

B4P.AX price, volumen y niveles de valoración

Último $1.280Periodo -40.2%
Fair value: $1.280

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2022–2025 · 3 años de histórico normalizado

Revenue CAGR

+38.0%

FCF CAGR

—

FCF margin

3.3%

FCF / Net income

0.20x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $40.2M · net income $6.7M · FCF $1.3M

2022-FY → 2025-FY

Gross margin

96.2%+8.4% pts

Operating margin

25.8%+209.0% pts

Net margin

16.8%+207.5% pts

FCF margin

3.3%+241.3% pts
MetricTTM
2025
2024
2023
2022
Income Statement
Revenue$40.2M$40.2M$35.3M$30.7M$15.3M
Net Income$6.7M$6.7M$3.9M$-6.6M$-29.1M
EBITDA$11.3M$11.3M$8.8M$-3.0M$-26.9M
EPS0.130.130.07-0.14-0.84
Gross Margin96.2%96.2%95.7%93.5%87.8%
Operating Margin25.8%25.8%23.4%-15.6%-183.3%
Net Margin16.8%16.8%10.9%-21.6%-190.8%
Balance Sheet
Debt/Equity0.810.811.241.260.65
Current Ratio2.062.06———
Cash Flow
Free Cash Flow$1.3M$1.3M$-5.2M$-18.6M$-36.3M
Returns
ROE17.1%17.1%12.7%-24.7%-89.3%
Valuation
P/E8.008.007.00——
EV/EBITDA7.467.465.21——
P/B1.691.690.890.930.37
Growth & Yield
Revenue Growth13.7%13.7%15.0%101.0%—
EPS Growth75.0%75.0%153.1%83.3%—

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%

3Y implied EPS CAGR

-4.4%

fácil

EPS terminal req.

$0.11

Spread vs growth

79.4%

5Y implied EPS CAGR

1.1%

fácil

EPS terminal req.

$0.14

Spread vs growth

73.8%

10Y implied EPS CAGR

5.5%

razonable

EPS terminal req.

$0.22

Spread vs growth

69.5%

Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.

Return attribution · 1Y approxreconcilia total -7.6%

Total return

-7.6%

Start / end P/E

18.6x → 9.8x

EPS bridge

0.07 → 0.13

Residual

-35.4%

EPS growth+75.0%
Multiple rerating-47.2%
Dividend+0.0%
Residual / FX / buybacks / cross-term-35.4%

Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.