• Net Transaction Margin up 29% to $25.1m
• Net defaults down to 1.1% from 1.4% in FY24
• Active Users up 12% to 269,558

Beforepay Group Limited has reported a strong financial performance for the year ended 30 June 2025, with revenue increasing 14% to $40.2 million and net profit after tax rising 74.5% to $6.7 million. The company's core pay-advance business continued to scale efficiently while maintaining a disciplined approach to credit risk, with the net defaults rate improving from 1.4% in FY24 to 1.1% in FY25. Beforepay Group also made significant progress with its Carrington Labs business, securing a number of new U.S.-based clients and strategic partnerships to help drive the global expansion of its credit risk analytics solutions. The company obtained an Australian Credit Licence during the year, enabling the launch of a new Personal Loan product to complement its flagship Pay Advance offering. Beforepay Group ended the year in a robust financial position, with $14 million in unrestricted cash and $40.3 million in equity. The company's Chairman, Brian Hartzer, noted that Beforepay Group's focus on disciplined growth and strong unit economics has positioned it well for continued expansion across its core business and strategic initiatives.

Beforepay Group reported revenue of $40.2 million and net profit after tax of $6.7 million for the 2025 financial year, representing year-on-year increases of 14% and 74.5% respectively.

Beforepay Group enters FY26 with strong momentum, focused on sustainable growth that creates long-term value for all stakeholders. The company's strategic priorities include continued investment in its core platform capabilities, scaling Carrington Labs, and expanding its Personal Loans offering.