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Beforepay GroupASX:B4P -3.03%57 Debt-to-EBITDA is 2.38 as of Dec. 2025, which is 136% above its 10-year median of 1.01. GuruFocus rates ASX:B4P with a GF Score™ of 57/100 and a GF Value™ of A$1.54 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 1,719 Software companies, Beforepay Group ranks worse than 70.8% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Beforepay Group's Debt-to-EBITDA or its related term are showing as below:
ASX:B4P'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -11.37 Med: 1.01 Max: 4.32
Current: 2.58
During the past 5 years, the highest Debt-to-EBITDA Ratio of Beforepay Group was 4.32. The lowest was -11.37. And the median was 1.01.
ASX:B4P's Debt-to-EBITDA is ranked worse than 70.8% of 1719
companies
in the Software industry
Industry Median: 1.08
vs ASX:B4P: 2.58
Beforepay Group (ASX:B4P) Debt-to-EBITDA Explanation
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Beforepay Group Debt-to-EBITDA Related Terms
Beforepay Group Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Beforepay Group's Debt-to-EBITDA 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.
ASX:B4P vs MSFT, ORCL, PLTR: Debt-to-EBITDA Comparison
For the Software - Infrastructure subindustry, Beforepay Group's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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-EBITDA vs Software Industry
For the Software industry and Technology sector, Beforepay Group's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Beforepay Group's Debt-to-EBITDA falls into.
* 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is two times the quarterly (Dec. 2025) EBITDA data.
Beforepay Group (ASX:B4P) has a Debt-to-EBITDA of 2.38 as of Dec. 2025. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Beforepay Group. This is 136% above median its historical median of 1.01. According to the industry distribution chart, Beforepay Group ranks #1217 out of 1719 companies in the Software industry, placing it in the top 70.8%.
Is Beforepay Group's Debt-to-EBITDA too high?
Beforepay Group's current Debt-to-EBITDA of 2.38 is 136% above median its 10-year median of 1.01. The Software industry median Debt-to-EBITDA is 1.08. Beforepay Group's value of 2.38 is 120.4% above this industry median. Based on the distribution chart, Beforepay Group ranks #1217 out of 1719 companies in the Software industry, which is below the industry midpoint. Overall, Beforepay Group has a GF Score™ of 57/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Beforepay Group's Debt-to-EBITDA compare to MSFT and ORCL?
According to the Software industry distribution chart, Beforepay Group ranks #1217 out of 1719 companies for Debt-to-EBITDA. This places Beforepay Group in the lower half of its industry. The industry median Debt-to-EBITDA is 1.08. Beforepay Group's value of 2.38 is 120.4% above this benchmark. While the company's 10-year median is 1.01 vs. the industry median of 1.08, Beforepay Group has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for a Software company?
The median Debt-to-EBITDA among Software companies is 1.08, based on 1,719 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Beforepay Group's current Debt-to-EBITDA of 2.38 is 120.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Beforepay Group. For the Software industry, the median Debt-to-EBITDA is 1.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Beforepay Group's current Debt-to-EBITDA is 2.38, which is 136% above median its own 10-year median of 1.01. 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 Undervalued. The stock's GF Value™ is A$1.54, compared to a current price of A$1.28 — trading 16.9% below its estimated fair value. The current Debt-to-EBITDA is 2.38, which is 136% above median its 10-year median of 1.01 and 120.4% above the Software industry median of 1.08. Beforepay Group's overall GF Score™ is 57/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Beforepay Group (ASX:B4P), the current Debt-to-EBITDA is 2.38 as of Dec. 2025. 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 undervalued.
The current stock price of A$1.28 is trading 16.9% below its estimated GF Value™ of A$1.54.
GuruFocus considers Beforepay Group to be Modestly Undervalued.
Key valuation signals for ASX:B4P:
Debt-to-EBITDA: 2.38 (136% above median its 10-year median of 1.01)
GF Value™: A$1.54 vs. price of A$1.28 (16.9% below fair value)
Industry Position: 120.4% above the Software median (#1217 of 1719)
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 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.
57GF Score
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