Beforepay Group (ASX:B4P) Debt-to-Asset : 0.41 (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

ASX:B4P Beforepay Group Ltd ASX:B4P
56 GF Score
Price A$1.84
GF Value A$1.65
Valuation Modestly Overvalued
! 3 Warning Signs
View Full Analysis

What is Beforepay Group Debt-to-Asset?

Beforepay Group ASX:B4P -0.68% 56 Debt-to-Asset is 0.41 as of Jun. 2026. GuruFocus rates ASX:B4P with a GF Score™ of 56/100 and a GF Value™ of A$1.65 (Modestly Overvalued). The stock has 3 warning signs investors should review.

Beforepay Group's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was A$36.42 Mil. Beforepay Group's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was A$0.46 Mil. Beforepay Group's Long-Term Debt & Capital Lease ObligationTotal Assets for the quarter that ended in Jun. 2026 was A$90.12 Mil. Beforepay Group's debt to asset for the quarter that ended in Jun. 2026 was 0.41.

Beforepay Group  (ASX:B4P) Debt-to-Asset Explanation

In the calculation of Debt-to-Asset, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Assets.

Beforepay Group Debt-to-Asset Related Terms

Beforepay Group Debt-to-Asset Historical Data

* Premium members only.

The historical data trend for Beforepay Group's Debt-to-Asset can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Beforepay Group Debt-to-Asset Chart

Beforepay Group Annual Data
Trend Jun21 Jun22 Jun23 Jun24 Jun25 Jun26
Debt-to-Asset
Get a 7-Day Free Trial 0.37 0.52 0.52 0.42 0.41

Beforepay Group Semi-Annual Data
Jun21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25 Jun26
Debt-to-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.52 0.50 0.42 0.40 0.41

ASX:B4P vs MSFT, PLTR, ORCL: Debt-to-Asset Comparison

For the Software - Infrastructure subindustry, Beforepay Group's Debt-to-Asset, along with its competitors' market caps and Debt-to-Asset data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Beforepay Group Debt-to-Asset vs Software Industry

For the Software industry and Technology sector, Beforepay Group's Debt-to-Asset distribution charts can be found below:

* The bar in red indicates where Beforepay Group's Debt-to-Asset falls into.


ASX:B4P
56GF Score
Beforepay Group Ltd ASX:B4P
Debt-to-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Beforepay Group Debt-to-Asset Calculation

Debt to Asset measures the financial leverage a company has.

Beforepay Group's Debt-to-Asset for the fiscal year that ended in Jun. 2026 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(36.418 + 0.464) / 90.124
=0.41

Beforepay Group's Debt-to-Asset for the quarter that ended in Jun. 2026 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(36.418 + 0.464) / 90.124
=0.41

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about Debt-to-Asset →
What does a Debt-to-Asset of 0.41 mean?
Beforepay Group (ASX:B4P) has a Debt-to-Asset of 0.41 as of Jun. 2026. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Beforepay Group and its competitors.
Is Beforepay Group's Debt-to-Asset too high?
Beforepay Group's current Debt-to-Asset is 0.41. Overall, Beforepay Group has a GF Score™ of 56/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Beforepay Group's Debt-to-Asset compare to MSFT and PLTR?
Beforepay Group's Debt-to-Asset of 0.41 can be compared against companies in the Software industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Asset for a Software company?
A good Debt-to-Asset depends on the Software industry context. However, Debt-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Asset mean?
A high Debt-to-Asset can signal that a stock is expensive relative to its fundamentals. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Beforepay Group and its competitors. Beforepay Group's current Debt-to-Asset is 0.41. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Beforepay Group stock overvalued right now?
Based on GuruFocus' analysis, Beforepay Group (ASX:B4P) is currently considered Modestly Overvalued. The stock's GF Value™ is A$1.65, compared to a current price of A$1.84 — trading 11.2% above its estimated fair value. The current Debt-to-Asset is 0.41. Beforepay Group's overall GF Score™ is 56/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Asset calculated?
Debt-to-Asset is calculated from a company's financial statements. For Beforepay Group (ASX:B4P), the current Debt-to-Asset is 0.41 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Beforepay Group (ASX:B4P) Overvalued in 2026?

Based on GuruFocus' analysis, Beforepay Group stock appears to be overvalued. The current stock price of A$1.84 is trading 11.2% above its estimated GF Value™ of A$1.65. GuruFocus considers Beforepay Group to be Modestly Overvalued.

Key valuation signals for ASX:B4P:

  • Debt-to-Asset: 0.41
  • GF Value™: A$1.65 vs. price of A$1.84 (11.2% above fair value)
  • GF Score™: 56/100 with 3 warning signs

No single metric tells the full story. See the ASX:B4P stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Beforepay Group Business Description

Address 77 Castlereagh Street, Suite 1, Level 9, Sydney, NSW, AUS, 2000
Beforepay Group Ltd operates in the pay-on-demand industry. It offers an app that helps users access their Pay On-Demand, track their spending habits, and learn how to budget. The Group is organised into one operating segment, being the provision of finance to its customers by way of salary advances.
56GF Score

Get the complete analysis for ASX:B4P

Debt-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

A$1.84
Price
A$1.65
GF Value