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Beforepay Group Ltd
ASX:B4P

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Beforepay Group Ltd
ASX:B4P
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Price: 1.205 AUD Market Closed
Market Cap: 57m AUD
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Profitability Summary

Beforepay Group Ltd's profitability score is 45/100. We take all the information about a company's profitability (such as its margins, capital efficiency, free cash flow generating ability, and more) and consolidate it into one single number - the profitability score. The higher the profitability score, the more profitable the company is.

45/100
Profitability
Score

We take all the information about a company's profitability (such as its margins, capital efficiency, free cash flow generating ability, and more) and consolidate it into one single number - the profitability score. The higher the profitability score, the more profitable the company is.

45/100
Profitability
Score
45/100
Profitability
Score

Past Growth

To be successful and remain in business, both growth and profitability are important and necessary. Net Income growth is often seen as a sign of a company's efficiency from an operational standpoint, but is influenced heavily by a company's goals and challenges and should therefore be assessed in conjunction with other metrics like revenue and operating income growth.

Margins

Profit margins represent what percentage of sales has turned into profits. Simply put, the percentage figure indicates how many cents of profit the company has generated for each dollar of sale.

Profit margins help investors assess if a company's management is generating enough profit from its sales and whether operating costs and overhead costs are being contained.

Earnings Waterfall
Beforepay Group Ltd

Revenue
35.3m AUD
Cost of Revenue
-1.5m AUD
Gross Profit
33.8m AUD
Operating Expenses
-25.5m AUD
Operating Income
8.4m AUD
Other Expenses
-4.5m AUD
Net Income
3.9m AUD

Margins Comparison
Beforepay Group Ltd Competitors

Country Company Market Cap Gross
Margin
Operating
Margin
Net
Margin
AU
Beforepay Group Ltd
ASX:B4P
57m AUD
96%
24%
11%
US
American Express Co
NYSE:AXP
202.2B USD
63%
17%
14%
US
Capital One Financial Corp
NYSE:COF
70.5B USD
0%
0%
11%
IN
Bajaj Finance Ltd
NSE:BAJFINANCE
4.3T INR
61%
43%
25%
US
Discover Financial Services
NYSE:DFS
43.8B USD
0%
0%
18%
US
Synchrony Financial
NYSE:SYF
25B USD
0%
0%
16%
KZ
Kaspi.kz AO
NASDAQ:KSPI
21.5B USD
0%
0%
56%
IN
Shriram Finance Ltd
NSE:SHRIRAMFIN
1.1T INR
56%
39%
21%
US
SoFi Technologies Inc
NASDAQ:SOFI
13.2B USD
0%
0%
5%
IN
Cholamandalam Investment and Finance Company Ltd
NSE:CHOLAFIN
1.1T INR
51%
29%
17%
US
Santander Consumer USA Holdings Inc
F:77S
11.3B EUR
74%
52%
40%
Country AU
Market Cap 57m AUD
Gross Margin
96%
Operating Margin
24%
Net Margin
11%
Country US
Market Cap 202.2B USD
Gross Margin
63%
Operating Margin
17%
Net Margin
14%
Country US
Market Cap 70.5B USD
Gross Margin
0%
Operating Margin
0%
Net Margin
11%
Country IN
Market Cap 4.3T INR
Gross Margin
61%
Operating Margin
43%
Net Margin
25%
Country US
Market Cap 43.8B USD
Gross Margin
0%
Operating Margin
0%
Net Margin
18%
Country US
Market Cap 25B USD
Gross Margin
0%
Operating Margin
0%
Net Margin
16%
Country KZ
Market Cap 21.5B USD
Gross Margin
0%
Operating Margin
0%
Net Margin
56%
Country IN
Market Cap 1.1T INR
Gross Margin
56%
Operating Margin
39%
Net Margin
21%
Country US
Market Cap 13.2B USD
Gross Margin
0%
Operating Margin
0%
Net Margin
5%
Country IN
Market Cap 1.1T INR
Gross Margin
51%
Operating Margin
29%
Net Margin
17%
Country US
Market Cap 11.3B EUR
Gross Margin
74%
Operating Margin
52%
Net Margin
40%

Return on Capital

Return on capital ratios give a sense of how well a company is using its capital (equity, assets, capital employed, etc.) to generate profits (operating income, net income, etc.). In simple words, these ratios show how much income is generated for each dollar of capital invested.

Return on Capital Comparison
Beforepay Group Ltd Competitors

Country Company Market Cap ROE ROA ROCE ROIC
AU
Beforepay Group Ltd
ASX:B4P
57m AUD
13%
6%
18%
17%
US
American Express Co
NYSE:AXP
202.2B USD
34%
4%
11%
5%
US
Capital One Financial Corp
NYSE:COF
70.5B USD
7%
1%
0%
0%
IN
Bajaj Finance Ltd
NSE:BAJFINANCE
4.3T INR
21%
4%
9%
5%
US
Discover Financial Services
NYSE:DFS
43.8B USD
20%
2%
0%
0%
US
Synchrony Financial
NYSE:SYF
25B USD
21%
3%
0%
0%
KZ
Kaspi.kz AO
NASDAQ:KSPI
21.5B USD
89%
14%
0%
0%
IN
Shriram Finance Ltd
NSE:SHRIRAMFIN
1.1T INR
16%
3%
7%
5%
US
SoFi Technologies Inc
NASDAQ:SOFI
13.2B USD
2%
0%
0%
0%
IN
Cholamandalam Investment and Finance Company Ltd
NSE:CHOLAFIN
1.1T INR
22%
3%
5%
3%
US
Santander Consumer USA Holdings Inc
F:77S
11.3B EUR
47%
6%
8%
6%
Country AU
Market Cap 57m AUD
ROE
13%
ROA
6%
ROCE
18%
ROIC
17%
Country US
Market Cap 202.2B USD
ROE
34%
ROA
4%
ROCE
11%
ROIC
5%
Country US
Market Cap 70.5B USD
ROE
7%
ROA
1%
ROCE
0%
ROIC
0%
Country IN
Market Cap 4.3T INR
ROE
21%
ROA
4%
ROCE
9%
ROIC
5%
Country US
Market Cap 43.8B USD
ROE
20%
ROA
2%
ROCE
0%
ROIC
0%
Country US
Market Cap 25B USD
ROE
21%
ROA
3%
ROCE
0%
ROIC
0%
Country KZ
Market Cap 21.5B USD
ROE
89%
ROA
14%
ROCE
0%
ROIC
0%
Country IN
Market Cap 1.1T INR
ROE
16%
ROA
3%
ROCE
7%
ROIC
5%
Country US
Market Cap 13.2B USD
ROE
2%
ROA
0%
ROCE
0%
ROIC
0%
Country IN
Market Cap 1.1T INR
ROE
22%
ROA
3%
ROCE
5%
ROIC
3%
Country US
Market Cap 11.3B EUR
ROE
47%
ROA
6%
ROCE
8%
ROIC
6%

Free Cash Flow

Free cash flow (FCF) is the money a company has left over after paying its operating expenses and capital expenditures. The more free cash flow a company has, the more it can allocate to dividends, paying down debt, and growth opportunities.

If a company has a decreasing free cash flow, that is not necessarily bad if the company is investing in its growth.

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