Beforepay GroupASX:B4P 60 PB Ratio is 1.46 as of Jun. 26, 2026, which is 36% above its 10-year median of 1.07. GuruFocus rates ASX:B4P with a GF Score™ of 60/100 and a GF Value™ of A$1.53 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 2,625 Software companies, Beforepay Group ranks better than 70.48% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-06-26), Beforepay Group's share price is A$1.30. Beforepay Group's Book Value per Share for the quarter that ended in Dec. 2025 was A$0.89. Hence, Beforepay Group's PB Ratio of today is 1.46.
Good Sign:
Beforepay Group Ltd stock PB Ratio (=1.41) is close to 1-year low of 1.41.
The historical rank and industry rank for Beforepay Group's PB Ratio or its related term are showing as below:
ASX:B4P'
s PB Ratio Range Over the Past 10 Years
Min: 0.36 Med: 1.07 Max: 3.35
Current: 1.46
During the past 5 years, Beforepay Group's highest PB Ratio was 3.35. The lowest was 0.36. And the median was 1.07.
ASX:B4P's PB Ratio is ranked better than 70.48% of 2625
companies
in the Software industry
Industry Median: 2.36
vs ASX:B4P: 1.46
During the past 12 months, Beforepay Group's average Book Value Per Share Growth Rate was 20.70% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 5.10% per year.
During the past 5 years, the highest 3-Year average Book Value Per Share Growth Rate of Beforepay Group was 5.10% per year. The lowest was -18.20% per year. And the median was -6.55% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Beforepay Group PB Ratio Related Terms
Beforepay Group PB Ratio Historical Data
* Premium members only.
The historical data trend for Beforepay Group's PB Ratio 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.
For the Software - Infrastructure subindustry, Beforepay Group's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Software Industry
For the Software industry and Technology sector, Beforepay Group's PB Ratio distribution charts can be found below:
* The bar in red indicates where Beforepay Group's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
Beforepay Group's PB Ratio for today is calculated as follows:
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Beforepay Group (ASX:B4P) has a PB Ratio of 1.46 as of Jun. 26, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Beforepay Group and its competitors. This is 36% above median its historical median of 1.07. Over the past decade, Beforepay Group's PB Ratio has ranged from 0.36 to 3.35. According to the industry distribution chart, Beforepay Group ranks #775 out of 2625 companies in the Software industry, placing it in the top 29.5%.
Is Beforepay Group's PB Ratio too high?
Beforepay Group's current PB Ratio of 1.46 is 36% above median its 10-year median of 1.07. Over the past 10 years, this metric has ranged from a low of 0.36 to a high of 3.35. The Software industry median PB Ratio is 2.36. Beforepay Group's value of 1.46 is 38.1% below this industry median. Based on the distribution chart, Beforepay Group ranks #775 out of 2625 companies in the Software industry, which is above the industry midpoint. Overall, Beforepay Group has a GF Score™ of 60/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Beforepay Group's PB Ratio compare to MSFT and ORCL?
According to the Software industry distribution chart, Beforepay Group ranks #775 out of 2625 companies for PB Ratio. This puts Beforepay Group in the upper half of its industry. The industry median PB Ratio is 2.36. Beforepay Group's value of 1.46 is 38.1% below this benchmark. Historically, Beforepay Group's own PB Ratio has ranged from 0.36 to 3.35 over the past decade. While the company's 10-year median is 1.07 vs. the industry median of 2.36, Beforepay Group has consistently been below 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 PB Ratio for a Software company?
The median PB Ratio among Software companies is 2.36, based on 2,625 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Beforepay Group's current PB Ratio of 1.46 is 38.1% below 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Beforepay Group and its competitors. For the Software industry, the median PB Ratio is 2.36 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Beforepay Group's current PB Ratio is 1.46, which is 36% above median its own 10-year median of 1.07. 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$1.53, compared to a current price of A$1.30 — trading 15% below its estimated fair value. The current PB Ratio is 1.46, which is 36% above median its 10-year median of 1.07 and 38.1% below the Software industry median of 2.36. Beforepay Group's overall GF Score™ is 60/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Beforepay Group (ASX:B4P), the current PB Ratio is 1.46 as of Jun. 26, 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 undervalued.
The current stock price of A$1.30 is trading 15% below its estimated GF Value™ of A$1.53.
GuruFocus considers Beforepay Group to be Modestly Undervalued.
Key valuation signals for ASX:B4P:
PB Ratio: 1.46 (36% above median its 10-year median of 1.07)
GF Value™: A$1.53 vs. price of A$1.30 (15% below fair value)
Industry Position: 38.1% below the Software median (#775 of 2625)
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.
60GF Score
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