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Beforepay Group (B4P) investor relations material
Beforepay Group Q1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Executive summary
Achieved record quarterly profit of $3.4 million, the strongest in company history, reflecting multi-year strategic initiatives.
Achieved record Total Contracted Value (TCV) of $6.3m and revenue of $3.3m in Q4 FY25, with annual recurring revenue (ARR) reaching $14.0m.
Focused on higher value, less risky customers, resulting in a significant increase in average advance size and improved profitability.
Strategic focus on sales execution in Lymphoedema, expansion in Body Comp and Heart Failure, and continued innovation.
Personal loans and Carrington Labs growth initiatives are progressing well, with personal loans totaling nearly 1,500 issued and $4 million written as of September.
Financial highlights
Quarterly revenue reached $11.3 million, up 20% year-over-year.
Q4 FY25 revenue was $3.3m, with ARR at $14.0m and record TCV of $6.3m.
Net profit before tax improved by 98% compared to the prior year.
Net transaction margin increased 19% to $8.4 million.
Cash balance stands at $22.2m, providing 6.3 quarters of operating runway; cash cost base reduced by 16% year-over-year.
Outlook and guidance
Q2 trading is in line with expectations, with anticipated seasonal uptick in defaults during the holiday season.
Plans to grow US sales by leveraging expanded reimbursement and a strengthened sales team.
Continued focus on maintaining average advance size above $400 and prioritizing higher value customers.
FY 2026 expected to be a significant year for personal loans.
Expansion of Body Comp and Heart Failure segments, with launches in Australia and a soft launch in the US.
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