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Beforepay Group (B4P) investor relations material
Beforepay Group AGM 2025 Presentation summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.AGM 2025 Presentation summary25 Nov, 2025
Financial performance highlights
Revenue increased 14% to $40.2m, with total advances up 14% to $807m in FY25.
Net transaction margin rose 29% to $25.1m, while operating expenses increased 17% to $17.7m.
Net profit after tax improved to $3.9m in FY25 from a $6.6m loss in FY23 and $3.9m loss in FY24.
Net defaults decreased to 1.1% from 1.4% in FY24, reflecting improved credit performance.
Active users grew 12% to 269,558, with registered users reaching 1.7 million since inception.
Business model and products
Offers short-term loans and personal loans through a transparent, customer-friendly pricing structure.
Carrington Labs commercialises proprietary credit risk models for lenders, using machine learning and explainable AI.
Credit risk solutions include cashflow scoring, tailored risk models, post-origination monitoring, and financial health summaries.
Credit offer engine aligns loan terms with financial objectives to increase limits and margins.
Carrington Labs differentiation
Automated pipeline enables custom credit models for individual clients.
Models have been in production since mid-2021 and are used daily for lending.
Deep understanding of regulatory and technical constraints faced by large lenders.
Asserts strong analytic talent and practical experience in credit risk.
Carrington Labs US market client acquisition
Path to Beforepay Group profitability
Impact of new Personal Loan product on growth
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Next Beforepay Group earnings date
Q2 202629 Jan, 2026
Next Beforepay Group earnings date
Q2 202629 Jan, 2026
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