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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.
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Q1 2026 earnings summary21 Oct, 2025

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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