Beforepay Group Ltd (ASX:B4P)

Watchlist Manager

Watchlist

Price: 1.51 AUD 4.86%

Market Cap: 71.5m AUD

Have any thoughts about
Beforepay Group Ltd?

Write Note

Section:

Relative Value

B4P doesn't have a meaningful market cap.

The Relative Value of one B4P stock under the Base Case scenario is 0.84 AUD. Compared to the current market price of 1.51 AUD, Beforepay Group Ltd is Overvalued by 44%.

Relative Value is the estimated value of a stock based on various valuation multiples like P/E and EV/EBIT ratios. It offers a quick snapshot of a stock's valuation in relation to its peers and historical norms.

What is Relative Valuation?

How is Relative Value calculated?

B4P Relative Value

Base Case

Worst Case

Base Case

Best Case

Valuation Multiples

P/S

vs History	0
vs Industry	80

Median 5Y

0.5

Industry

3.1

Forward

1.9

More Details

18.5

P/E

vs History	0
vs Industry

Median 5Y

-1 551.6

Industry

15.3

More Details

Negative

P/OCF

vs History
vs Industry

Median 5Y

-22.5

Industry

10.2

More Details

19.7

P/FCFE

vs History	0
vs Industry	36

Median 5Y

-8

Industry

12.7

More Details

2.3

P/B

vs History	0
vs Industry	55

Median 5Y

0.8

Industry

1.3

More Details

2.5

EV/S

vs History	0
vs Industry	74

Median 5Y

-0.2

Industry

4.8

Forward

2.4

More Details

2.7

EV/GP

vs History	0
vs Industry	76

Median 5Y

-0.2

Industry

More Details

10.8

EV/EBITDA

vs History	17
vs Industry	43

Median 5Y

-2.4

Industry

14.2

Forward

8.9

More Details

10.8

EV/EBIT

vs History	17
vs Industry	41

Median 5Y

-2.4

Industry

14.6

Forward

8.9

More Details

Negative

EV/OCF

vs History
vs Industry	52

Median 5Y

-30.6

Industry

12.4

More Details

Negative

EV/FCFF

vs History
vs Industry	49

Median 5Y

-30.2

Industry

13.5

More Details

1.7

EV/IC

vs History	14
vs Industry	44

Median 5Y

0.8

Industry

0.9

More Details

Multiples Across Competitors

All Multiples

P/S

P/E

EV/EBITDA

EV/EBIT

Forward Multiples

			Market Cap	P/S	P/E	EV/EBITDA	EV/EBIT
AU	B	Beforepay Group Ltd ASX:B4P	71.5m AUD	2	18.5	10.8	10.8
US		American Express Co NYSE:AXP	214B USD	3	21.9	25.7	29.2
US		Capital One Financial Corp NYSE:COF	69.6B USD	1.8	17.1	36.4	0
IN		Bajaj Finance Ltd NSE:BAJFINANCE	4.2T INR	6.8	27.4	24.6	25.3
US		Discover Financial Services NYSE:DFS	44.4B USD	2.1	11.6	163.7	0
US		Synchrony Financial NYSE:SYF	26B USD	1.3	8.4	87.8	0
KZ	K	Kaspi.kz AO NASDAQ:KSPI	18.7B USD	0	0	0	0
US		SoFi Technologies Inc NASDAQ:SOFI	18B USD	7	97.6	104.1	0
IN		Shriram Finance Ltd NSE:SHRIRAMFIN	1.1T INR	2.9	13.7	19	19.8
US	S	Santander Consumer USA Holdings Inc F:77S	11.3B EUR	1.5	3.8	8.3	12
IN		Cholamandalam Investment and Finance Company Ltd NSE:CHOLAFIN	999B INR	4.5	25.9	27.6	28.6

				Revenue Growth	P/S to Growth
AU	B	Beforepay Group Ltd ASX:B4P	Average P/S: 3.3 2	25%	0.1
US		American Express Co NYSE:AXP	3	19%	0.2
US		Capital One Financial Corp NYSE:COF	1.8	19%	0.1
IN		Bajaj Finance Ltd NSE:BAJFINANCE	6.8	29%	0.2
US		Discover Financial Services NYSE:DFS	2.1	12%	0.2
US		Synchrony Financial NYSE:SYF	1.3	12%	0.1
KZ	K	Kaspi.kz AO NASDAQ:KSPI	Not Available	156%	N/A
US		SoFi Technologies Inc NASDAQ:SOFI	7	70%	0.1
IN		Shriram Finance Ltd NSE:SHRIRAMFIN	2.9	N/A	N/A
US	S	Santander Consumer USA Holdings Inc F:77S	1.5	N/A	N/A
IN		Cholamandalam Investment and Finance Company Ltd NSE:CHOLAFIN	4.5	18%	0.2

				Earnings Growth	P/E to Growth
AU	B	Beforepay Group Ltd ASX:B4P	Average P/E: 24.6 18.5	132%	0.1
US		American Express Co NYSE:AXP	21.9	49%	0.5
US		Capital One Financial Corp NYSE:COF	17.1	53%	0.3
IN		Bajaj Finance Ltd NSE:BAJFINANCE	27.4	85%	0.3
US		Discover Financial Services NYSE:DFS	11.6	33%	0.4
US		Synchrony Financial NYSE:SYF	8.4	41%	0.2
KZ	K	Kaspi.kz AO NASDAQ:KSPI	Not Available	96%	N/A
US		SoFi Technologies Inc NASDAQ:SOFI	97.6	N/A	N/A
IN		Shriram Finance Ltd NSE:SHRIRAMFIN	13.7	N/A	N/A
US	S	Santander Consumer USA Holdings Inc F:77S	3.8	N/A	N/A
IN		Cholamandalam Investment and Finance Company Ltd NSE:CHOLAFIN	25.9	123%	0.2

				EBITDA Growth	EV/EBITDA to Growth
AU	B	Beforepay Group Ltd ASX:B4P	Average EV/EBITDA: 50.8 10.8	74%	0.1
US		American Express Co NYSE:AXP	25.7	52%	0.5
US		Capital One Financial Corp NYSE:COF	36.4	N/A	N/A
IN		Bajaj Finance Ltd NSE:BAJFINANCE	24.6	N/A	N/A
US		Discover Financial Services NYSE:DFS	163.7	N/A	N/A
US		Synchrony Financial NYSE:SYF	87.8	667%	0.1
KZ	K	Kaspi.kz AO NASDAQ:KSPI	Not Available	N/A	N/A
US		SoFi Technologies Inc NASDAQ:SOFI	104.1	543%	0.2
IN		Shriram Finance Ltd NSE:SHRIRAMFIN	19	N/A	N/A
US	S	Santander Consumer USA Holdings Inc F:77S	8.3	N/A	N/A
IN		Cholamandalam Investment and Finance Company Ltd NSE:CHOLAFIN	27.6	N/A	N/A

				EBIT Growth	EV/EBIT to Growth
AU	B	Beforepay Group Ltd ASX:B4P	Average EV/EBIT: 20.9 10.8	72%	0.1
US		American Express Co NYSE:AXP	29.2	89%	0.3
US		Capital One Financial Corp NYSE:COF	Not Available	N/A	N/A
IN		Bajaj Finance Ltd NSE:BAJFINANCE	25.3	101%	0.3
US		Discover Financial Services NYSE:DFS	Not Available	N/A	N/A
US		Synchrony Financial NYSE:SYF	Not Available	N/A	N/A
KZ	K	Kaspi.kz AO NASDAQ:KSPI	Not Available	N/A	N/A
US		SoFi Technologies Inc NASDAQ:SOFI	Not Available	N/A	N/A
IN		Shriram Finance Ltd NSE:SHRIRAMFIN	19.8	N/A	N/A
US	S	Santander Consumer USA Holdings Inc F:77S	12	N/A	N/A
IN		Cholamandalam Investment and Finance Company Ltd NSE:CHOLAFIN	28.6	155%	0.2

US	Johnson & Johnson NYSE:JNJ	Pharmaceuticals
US	Berkshire Hathaway Inc NYSE:BRK.A	Financial Services
US	Bank of America Corp NYSE:BAC	Banking
US	Mastercard Inc NYSE:MA	Technology
US	UnitedHealth Group Inc NYSE:UNH	Health Care
US	Exxon Mobil Corp NYSE:XOM	Energy
US	Pfizer Inc NYSE:PFE	Pharmaceuticals
US	Palantir Technologies Inc NYSE:PLTR	Technology
US	Nike Inc NYSE:NKE	Textiles, Apparel & Luxury Goods
US	Visa Inc NYSE:V	Technology
CN	Alibaba Group Holding Ltd NYSE:BABA	Retail
US	3M Co NYSE:MMM	Industrial Conglomerates
US	JPMorgan Chase & Co NYSE:JPM	Banking
US	Coca-Cola Co NYSE:KO	Beverages
US	Walmart Inc NYSE:WMT	Retail
US	Verizon Communications Inc NYSE:VZ	Telecommunication

	Johnson & Johnson NYSE:JNJ	US
	Berkshire Hathaway Inc NYSE:BRK.A	US
	Bank of America Corp NYSE:BAC	US
	Mastercard Inc NYSE:MA	US
	UnitedHealth Group Inc NYSE:UNH	US
	Exxon Mobil Corp NYSE:XOM	US
	Pfizer Inc NYSE:PFE	US
	Palantir Technologies Inc NYSE:PLTR	US
	Nike Inc NYSE:NKE	US
	Visa Inc NYSE:V	US
	Alibaba Group Holding Ltd NYSE:BABA	CN
	3M Co NYSE:MMM	US
	JPMorgan Chase & Co NYSE:JPM	US
	Coca-Cola Co NYSE:KO	US
	Walmart Inc NYSE:WMT	US
	Verizon Communications Inc NYSE:VZ	US

	Franklin Covey Co NYSE:FC	37.12 USD 0.68%
	Mohawk Industries Inc NYSE:MHK	119.66 USD -0.44%
	Ardmore Shipping Corp NYSE:ASC	11.97 USD -1.24%
	ASGN Inc NYSE:ASGN	84.95 USD 0.95%
	Skyworks Solutions Inc NASDAQ:SWKS	90.42 USD 0.08%
	Weatherford International PLC NASDAQ:WFRD	68.03 USD -0.06%

	Johnson & Johnson NYSE:JNJ	145.58 USD -0.19%
	Bank of America Corp NYSE:BAC	44.55 USD 0.38%
	Mastercard Inc NYSE:MA	536.15 USD 0.08%
	Salesforce Inc NYSE:CRM	341.72 USD -0.79%
	Abbvie Inc NYSE:ABBV	179.2 USD -0.44%
	Home Depot Inc NYSE:HD	395.14 USD -0.25%

	Arista Networks Inc NYSE:ANET	114.86 USD 0.18%
	Visa Inc NYSE:V	320.91 USD 0.08%
	Texas Pacific Land Corp NYSE:TPL	1 167.01 USD 0.5%
	KLA Corp NASDAQ:KLAC	648.55 USD -0.3%
	Manhattan Associates Inc NASDAQ:MANH	279.3 USD -1.05%
	Pinduoduo Inc NASDAQ:PDD	98.87 USD -0.85%

Beforepay Group Ltd
ASX:B4P

Relative Value

Valuation Multiples

Multiples Across Competitors

B4P Competitors Multiples
Beforepay Group Ltd Competitors

See Also

Company

Help

Tools

Stocks

	Salesforce Inc NYSE:CRM	341.72 USD -0.79%
	Accenture PLC NYSE:ACN	360.43 USD -0.33%
	ServiceNow Inc NYSE:NOW	1 099.11 USD -0.58%
	EOG Resources Inc NYSE:EOG	120.41 USD -0.35%
	Copart Inc NASDAQ:CPRT	59.07 USD -0.07%
	Applied Materials Inc NASDAQ:AMAT	167.55 USD -0.49%

52 Week Range	0.4 1.845
Price Target

Beforepay Group Ltd ASX:B4P

Relative Value

Valuation Multiples

Multiples Across Competitors

B4P Competitors Multiples Beforepay Group Ltd Competitors

See Also

Company

Help

Tools

Stocks

Beforepay Group Ltd
ASX:B4P

B4P Competitors Multiples
Beforepay Group Ltd Competitors