Beforepay Group Limited · ASX:B4P
Beforepay — Investor Presentation (August 2026)
20 slides from Beforepay's investor presentation, Aug 25, 2026
Slide 1: FY26 Annual Results
Beforepay Group Limited AS X:B4 P FY26 Annual Results Jamie Twiss – CEO Laavanya Pari – CFO 25 August 2026
Slide 2: Acknowledgement of Country
In the spirit of reconciliation we acknowledge the Traditional Custodians of Country throughout Australia and their connections to land, sea and community. We pay our respect to their Elders, past and present, and extend that respect to all Aboriginal and Torres Strait Islander peoples today.
Slide 3: Disclaimer
Disclaimer This presentation has been prepared by Beforepay Group Limited (the ‘Company’). To the maximum extent permitted by law, the Company and the Neither Beforepay nor any member of Beforepay Group represents members of the Group make no representation or warranty, express or warrants that such
Slide 4: What we do
FY26 Results What we do Beforepay is the Group’s Australian consumer lending business, providing eligible customers with access to credit designed to help manage short term cash flow challenges through our Pay Advance and Personal Loan products. Pay Advance Personal Loan Carrington Labs Beforepay’s
Slide 5: Business Update
B} Beforepay Group 01 Business Update
Slide 6: FY26 Highlights
FY26 Results 6 FY26 Highlights $15.7m $8.2m Cash NPAT Statutory NPAT Up 57% from $10.0m in FY25 Up 22% from $6.7m in FY25 $50.6m $314k Revenue Cash NPAT per FTE Up 26% from $40.3m in FY25 Up 35% on FY25 $ 963m Total Advances 0.5% Net Bad Debts Up 19% from $807m in FY25 Up from 0.2% in FY25 $100m $ 1
Slide 7: Cash NPAT
FY26 Results Cash NPAT +57% vs FY25 Cash NPAT ($m) 15.7 Record Cash NPAT 10.0 in FY26 3.8 FY24 FY25 FY26 Note: Certain financial metrics and information included throughout thi s presentation are not recog nised under the Australian Accounting Standards and are classified as ‘non-IFRS financial info
Slide 8: Pay Advances
FY26 Results Pay Advances +15% vs FY25 Average Advance size ($) 450 Total Advances ($m) +18% vs FY25 390 382 946.4 805.4 FY24 FY25 FY26 709.6 Net bad debts (%) 0.4% 0.4% 0.2% FY24 FY25 FY26 FY24 FY25 FY26 Note: Certain financial metrics and information included throughout thi s presentation are not
Slide 9: Personal Loans
FY26 Results Personal Loans +728% vs FY25 o Average loan size of Total Advances ($m) 16.9 $3,124 during FY26. o Approx 57% of loans originated in Q4 2026 were 12-month loans. o Net bad debts for Personal Loans in 2.0 FY26 of 3.3%. FY25 FY26 Note: Certain financial metrics and information included th
Slide 10: Profitability Reconciliation
FY26 Results Profitability Reconciliation FY26 FY25 $ Change % Change Revenue 50.6 40.3 10.3 26% Expenses (43.9) (34.9) (9.0) 26% Income Tax Benefit 1.5 1.4 0.1 10% Stat NPAT 8.2 6.7 1.5 22% Add: Depreciation and Amortisation 2.5 1.0 1.5 150% Add: ECL Provision movement 3.6 (0.2) 3.7 n/a Add: Share
Slide 11: Balance Sheet
FY26 Results Balance Sheet $m FY26 FY25 $ Change % Change Commentary Cash position1 7.4 14.0 (6.6) (47%) Decrease due to Personal Loan origination Receivables 72.2 53.6 18.6 35% Driven by increase in Pay Advance and Personal loan origination Other assets 10.5 8.0 2.5 32% Total assets 90.1 75.6 14.5
Slide 12: FY Outlook
FY26 Results FY 27 Outlook Optimise Pay Advance Limits Build out new customer channels for Personal Loans New Personal Loan risk models Strengthen Carrington Labs capabilities Extend Personal Loan product range 15 12
Slide 13: Q&A
02 Q&A
Slide 14: Appendix
B} Beforepay Group 03 Appendix
Slide 15: Total and Average Advances
FY26 Results Total and Average Advances +17% vs FY25 Total Advances ($m) +19% vs FY25 Average Advance ($) 456.0 963.2 807.4 709.6 391.0 382.0 FY24 FY25 FY26 FY24 FY25 FY26 Note: Certain financial metrics and information included throughout thi s presentation are not recog nised under the Australian
Slide 16: Cash ROE %
FY26 Results Cash ROE % o Increased earnings Cash ROE(%) generation in FY26. o More efficient utilisation of shareholders capital. Note: Certain financial metrics and information included throughout thi s presentation are not recog nised under the Australian Accounting Standards and are classified a
Slide 17: Net Bad Debts %
FY26 Results Net Bad Debts % A$, unless otherwise stated FY26 FY25 FY24 Bad Debts Written off 12,749,230 10,389,566 10,276,823 Recoveries (8,046,511) (8,813,489) (7,640,137) Net Bad debts written off 4,702,719 1,576,077 2,636,686 Total Advances ($m) 963.2 807.4 709.6 Net Bad Debts % 0.5% 0.2% 0.4% N
Slide 18: Cash Flow Statement
FY26 Results Cash Flow Statement $m FY26 FY25 Receipts from repayment of customer advances 933.2 790.8 Receipts of income 48.8 44.1 Payments to suppliers and employees (22.3) (18.0) Advances to customers (963.3) (807.4) Interest and other finance costs received/ (paid) (4.2) (4.7) Net cash used in o
Slide 19: Glossary
FY26 Results Glossary Term Definition Term Definition Average Total dollar volume of advances in a period divided by the Finance Costs Finance costs are related to the debt facility with Advance number of advances in that period. The figures presented on Balmain Group and interest on the lease liabi
Slide 20: Thank You
Investors James Lennon Investor Relations Beforepay Group Ph: 0414 035 704 investorrelations@beforepay.com.au investorrelations@beforepay.com.au Media Noeleene Yap Marketing and Communications Manager Beforepay Group Ph: 0489 995 082 mediaenquiries@beforepay.com.au mediaenquiries@beforepay.com.au Th
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