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Edge20 Feb 2026
Dollar General: The Rural Retailer Playbook
How Dollar General built a small-box empire across rural America, scaling value and convenience into one of retail's most durable business models.
Beforepay Group
Beforepay Group (B4P) investor relations material
Beforepay Group H1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2026 earnings summary25 Feb, 2026
Executive summary
Achieved strong momentum in H1 FY26, with NPAT rising to AUD 4.2 million, a 50% year-over-year increase, reflecting disciplined investment, effective strategy execution, and expansion in lending and B2B analytics.
Dual business model: Australian consumer lending (Pay Advance and Personal Loan) and global B2B credit analytics (Carrington Labs), creating a feedback loop for continuous improvement.
Focused on fair, transparent, and ethical credit access, leveraging data-driven risk management and automation.
Carrington Labs expanded its global B2B footprint, adding new clients, distribution partners, and enhancing analytics offerings.
Recognized with multiple industry awards for ethical lending and AI-driven innovation.
Financial highlights
Revenue rose 19% year-over-year to $23.4m in H1 FY26 (H1 FY25: $19.7m), with NPAT up to $4.2m from $2.8m and EBITDA reaching $6.6m.
Advances grew 18% to $467m, with average advance size up 17% to $458 and personal loans issued surging to 1,641 from 36.
Net transaction margin increased 20% to $14.3m, and net defaults rose to 1.3% from 1.1% year-over-year.
Operating expenses rose to $9.7m, reflecting investments in Personal Loans and Carrington Labs.
Cash on hand at period end was $9.1m, with equity at $44.4m and $30.9m drawn from a $55m debt facility.
Outlook and guidance
Strategy focuses on optimizing Pay Advance, scaling Personal Loans, and expanding Carrington Labs through product innovation and strategic partnerships.
2026 expected to be significant for Personal Loan growth, with cautious expansion and ongoing data collection.
Plans to extend and expand debt facilities and maintain disciplined cost management.
Continued investment in Carrington Labs, especially in the US, with increased team and product enhancements.
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Next Beforepay Group earnings date
Q3 202626 Apr, 2026
Beforepay Group
Next Beforepay Group earnings date
Q3 202626 Apr, 2026
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