Beforepay Group Limited · ASX:B4P
Beforepay — Shareholder Meeting (November 2025)
10 slides from Beforepay's shareholder meeting presentation, Nov 26, 2025
Slide 1: 2025 Annual General Meeting Presentation
ASX Announcement (ASX: B4P) 26 November 2025 2025 Annual General Meeting Presentation Beforepay Group Limited (the Company) (ASX: B4P) provides the attached CEO presentation to be delivered to shareholders at the Company’s 2025 Annual General Meeting to be held at Works Boardroom, Works by Scentre G
Slide 2: Business Update Annual General Meeting
BEFOREPAY GROUP LIMITED ASX: B4P For personal use only Business Update Annual General Meeting November 2025
Slide 3: Disclaimer
FY25 Annual Results Disclaimer For personal use only This presentation has been prepared by Beforepay Group Limited To the maximum extent permitted by law, the Company and the Neither Beforepay nor any member of Beforepay Group represents (the ‘Company’). members of the Group make no representation
Slide 4: Beforepay and Carrington Labs business overview
FY25 Annual Results For personal use only Beforepay is our domestic consumer-lending business. Eligible Carrington Labs commercialises the credit risk models that customers can access short-term loans through our flagship Pay power Beforepay to provide lenders with cash flow Advance product and new Pe
Slide 5: Highlights
FY25 Annual Results FY25 Highlights For personal use only Revenue Total Advances $40.2m $807m up 14% from $710m in FY24 up 14% from $35.3m in FY24 Net Transaction Net Defaults Margin (NTM) 1.1% $25.1m down from 1.4% in FY24 up 29% from $19.5m in FY24 Registered Users Active Users 1.7m 269,558 Since
Slide 6: Net Transaction Margin
FY25 Annual Results Net Transaction Margin For personal use only Note: Certain financial metrics and information included throughout this presentation are not recognised under the Australian Accounting Standards and are classified as ‘non-IFRS financial information’. 8 See Glossary for definitions o
Slide 7: Loan Defaults
FY25 Annual Results Loan Defaults For personal use only Note: Certain financial metrics and information included throughout this presentation are not recognised under the Australian Accounting Standards and are classified as ‘non-IFRS financial information’. 11 See Glossary for definitions of non-IF
Slide 8: Carrington Labs products
FY25 Annual Results CASHFLOW SCORE CREDIT RISK MODEL For personal use only - Score-based measure - Tailored, product based, models - Based solely on transaction data - Score-based measure & PD% - Ideal for a general risk segmentation Borrower - Tuned to your data lifecycle - Ideal for increasing app
Slide 9: How is Carrington Labs Different
FY25 Annual Results How is Carrington Labs Different HEAD START UNIQUE APPROACH For personal use only Predecessor models first Automated pipeline enables used in production in custom models for mid-2021 individual clients ALIGNMENT PRACTICAL TALENT We’re lenders ourselves, and We understand the We be
Slide 10: Expansion and New Growth
FY25 Annual Results Expansion and New Growth For personal use only • Maintain growth trajectory Pay Advance • Enhance risk models and credit limit optimisation • Maintain disciplined cost management • Continue to refine and strengthen risk models and underwriting processes Personal Loans • Position
Beforepay Group — Shareholder Meeting (November 2025) on 6ix