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Beforepay Group
Beforepay Group (B4P) investor relations material
Beforepay Group Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2026 earnings summary27 Jan, 2026
Executive summary
Second quarter ended December 31, 2025, saw strong performance with 18% year-on-year revenue growth, primarily from increased average advance size and strategic growth initiatives, though profit declined due to seasonal defaults and higher investment in Carrington Labs and personal lending.
Strategic focus on Carrington Labs and personal loans, with notable client wins, product launches, and operational scaling.
Financial highlights
Revenue grew 18% year-on-year to AUD 12 million, driven by a 17% increase in advances to AUD 240 million and higher average advance size (AUD 470).
Net transaction margin rose 22% year-on-year to AUD 5.9 million.
Net defaults increased seasonally to 1.85%, up from 1.75% in Q2 FY25.
Operating expenses increased to AUD 5.2 million, mainly due to marketing and salary growth, up 11% quarter-on-quarter.
Net profit before tax was AUD 0.3 million, down from AUD 3.4 million in the previous quarter.
Outlook and guidance
Q3 expected to see normalized margins and improved profit as seasonal default rates subside, with trading to date in line with expectations.
Growth initiatives, especially Carrington Labs and personal loans, are expected to become more material contributors over time.
Continued investment in growth areas, with operating expenses to rise in line with value creation.
Impact of defaults vs. investments on NPBT
When will Carrington Labs & Personal Loans be accretive?
How will negative operating cash flow be managed?
Carrington Labs revenue material timeline
Personal loans new client acquisition strategy
OpEx growth initiatives value creation
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Beforepay Group
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