Beforepay Group Limited · ASX:B4P
Beforepay — ASX SMIDcaps Conference 2026
15 slides from Beforepay's conference presentation, Mar 25, 2026
Slide 1: ASX SMIDcaps Conference
Beforepay Group Limited ASX:B4P For personal use only ASX SMIDcaps Conference 25 March 2026 Jamie Twiss – CEO 25 March 2026
Slide 2: Disclaimer
Disclaimer 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 or warrants that such Forward Statements will be achieved or For personal use only (the ‘Company’). mem
Slide 3: What we do
ASX SMIDcaps Conference March 2026 What we do For personal use only 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 Advanc
Slide 4: Responsible, ethical short-term finance
FY25 Annual ASX SMIDcaps Conference Results March 2026 Crafted for Ethical short-term Responsible customer safety finance1 Customers can only take one advance We are an ethical-lending award By Design at a time, reducing the risk of a debt winner that provide small For personal use only spiral. adva
Slide 5: Revolutionising Lending with compliant AI
ASX SMIDcaps Conference March 2026 5 Revolutionising Lending with compliant AI: For personal use only Beforepay uses compliant AI to enhance the way we assess credit risk and make lending decisions. Traditional credit scoring methods do not always provide a complete picture. Our approach incorporate
Slide 6: Business Update
For personal use only 01 Update Business
Slide 7: 2025 Calendar Year Business Highlights
ASX SMIDcaps Conference March 2026 7 2025 Calendar Year Business Highlights For personal use only 1.9m Registered Users 267,606 Active Users $877m $8.1m Total Advances New Profit After Tax (NPAT) $ 423 1.2% Average Advance Net Defaults $43.8m $ 27.4m Revenue Net Transaction Margin (NTM) Note: Certai
Slide 8: Loan Defaults
ASX SMIDcaps Conference March 2026 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’. See Glossary for 9 definit
Slide 9: Expansion and New Growth
ASX SMIDcaps Conference March 2026 Expansion and New Growth For personal use only • Continue optimisation of customer base and margins Pay Advance • Enhance risk models and credit limit optimisation • Maintain disciplined cost management • Continue to strengthen risk models and underwriting processe
Slide 10: Q&A
For personal use only 02 Q&A
Slide 11: Appendix
For personal use only 03 Appendix
Slide 12: H1 FY26 Results: NTM & Profitability by Half Year
H1 FY26 Results NTM & Profitability by Half Year H1 FY26 H2 FY25 H1 FY25 H2 FY24 H1 FY24 Active users (no. of users) 267,606 269,558 257,627 240,254 235,644 For personal use only Average advance ($) 458 389 393 377 387 Total Advances ($m) 466.5 410.7 396.7 351.0 358.6 Revenue1 % (of advances) 5.1% 5
Slide 13: H1 FY26 Results: Balance Sheet
H1 FY26 Results Balance Sheet For personal use only 1. The cash-on-hand figure of $9.1m excludes $5.2m in cash held by third parties to fund customer advances (2024: $19.2m excludes $6.0m in cash held by third parties to fund customer advances). Note: Certain financial metrics and information includ
Slide 14: Carrington Labs Solutions
ASX SMIDcaps Conference March 2026 Carrington Labs Solutions Carrington Labs works with lenders to increase approvals, reduce credit risk and boost margins. For personal use only We currently provide 5 solutions: 21
Slide 15: Investors and Media Contacts
Investors For personal use only Jacqueline Pfenninger Investor Relations Beforepay Group Ph: 0447 301 111 investorrelations@beforepay.com.au Media Noeleene Yap Marketing and Communications Manager Beforepay Group Ph: 0489 995 082 mediaenquiries@beforepay.com.au Thank You