Beforepay Group (B4P) investor relations material

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.