Beforepay Group (ASX: B4P) to Announce Q4 FY26 Results and Host Investor Webinar on 30 July 2026

Beforepay’s Dual Business Model: Consumer Lending and Enterprise Credit Analytics

Beforepay Group operates two complementary segments within the Australian financial services sector. Founded in 2019, the consumer lending division, Beforepay, targets working Australians who face barriers accessing traditional credit. It offers small pay advances and personal loans designed as ethical, customer-centric solutions for managing short-term cash flow challenges.

The enterprise segment, Carrington Labs, provides credit risk analytics and insights to banks, credit unions, and fintech firms across Australia. This division helps financial institutions improve lending decisions by leveraging advanced credit risk modeling, enabling higher approval rates, lower defaults, and expanded profit margins. This dual-segment approach positions Beforepay as both a direct consumer lender and a technology partner to institutional financial services providers.

Q4 FY26 Results Release and Executive Presentation Details

Beforepay Group will release its Q4 FY26 Quarterly Activities report and Appendix 4C Cash Flow Statement prior to market open on Thursday, 30 July 2026. This timing aligns with ASX-listed company practices, allowing investors and analysts to review financial and operational data ahead of trading. The Appendix 4C is a mandatory quarterly disclosure providing detailed cash flow information on operating, investing, and financing activities, offering transparency into Beforepay’s capital deployment and cash management during the quarter.

Following the release, an investor webinar will be held at 9:00am AEST the same day. CEO Jamie Twiss and CFO Laavanya Pari will present an overview of Q4 FY26 business activities and highlights, followed by a live Q&A session. Their joint presentation underscores the importance of this update, covering both strategic and financial aspects of the company’s performance.

Investor Webinar Registration and Access Information

Participation in the investor webinar requires pre-registration via Zoom. Interested investors and shareholders can register at: https://us02web.zoom.us/webinar/register/WN_-Dlwk_ioTXagpyJt9bUvyg#/registration. Upon registration, attendees will receive a confirmation email with login details and technical instructions.

The webinar will commence at 9:00am Australian Eastern Standard Time on 30 July 2026, featuring a live Q&A to facilitate direct engagement between management and the investment community. This virtual format enables broad shareholder participation regardless of location and reflects current best practices in investor relations for ASX-listed companies.

Beforepay’s Founding Vision and Position in Australian Fintech

Established in 2019, Beforepay Group’s mission is to serve working Australians underserved by traditional financial services. Its consumer lending products offer ethical, transparent alternatives to payday loans and other high-cost credit options, targeting individuals managing temporary liquidity gaps. This positioning aligns with a growing Australian fintech trend focused on disrupting legacy lending through digital platforms and responsible pricing.

Operating within Australia’s evolving regulatory framework for consumer credit, Beforepay’s pay-advance products cater to wage earners vulnerable to expensive short-term loans. The company’s dual-segment model—combining direct consumer lending with enterprise credit analytics—leverages proprietary credit data to enhance both business lines and differentiate it from single-focus fintech competitors.

Carrington Labs: Enterprise Credit Risk Analytics Solutions

Carrington Labs addresses the critical need among Australian banks and credit institutions for enhanced credit risk management and faster lending decisions. The division offers data-driven credit risk insights that help clients increase loan approval rates, reduce defaults, and improve lending portfolio profitability. This value proposition targets operational efficiency and competitive advantage in a challenging financial services market.

The Australian B2B credit analytics market is growing as institutions adopt sophisticated data methodologies to mitigate credit losses. Carrington Labs utilizes advanced analytical models and machine learning to assess borrower creditworthiness, enabling clients to expand lending while controlling risk. This enterprise segment provides Beforepay with diversified revenue streams independent of direct consumer credit risk.

Leadership and Governance

CEO Jamie Twiss oversees strategic direction and operations across both business segments, while CFO Laavanya Pari manages financial reporting and capital allocation. Their joint presentation during the Q4 FY26 webinar will cover operational performance, financial results, and strategic outlook. This dual executive involvement reflects strong corporate governance and commitment to transparent investor communication.

The live webinar Q&A session offers investors direct access to management insights on quarterly outcomes and future plans, reinforcing transparency and engagement with shareholders.

ASX Compliance and Disclosure Obligations

As an ASX-listed entity, Beforepay complies with continuous disclosure requirements under the ASX Listing Rules and Corporations Act 2001 (Cth). The quarterly Appendix 4C cash flow disclosure is mandatory, with strict timing rules that the company meets by releasing reports prior to market open on 30 July 2026. This ensures fair and orderly dissemination of material information to all market participants.

The investor webinar, while not mandatory, represents best practice in investor relations by providing narrative context to quantitative disclosures, enhancing market understanding and reducing information asymmetry.

Investor Relations Contacts and Additional Resources

For investor inquiries, Beforepay Group has designated James Lennon, Manager of Investor Relations, reachable at 0414 035 704 or [email protected]. Media enquiries can be directed to Noeleene Yap, Marketing and Communications Manager, via 0489 995 082 or [email protected]. These contacts facilitate responsive communication with shareholders, investors, and the media.

Further company information, including historical announcements and investor presentations, is available at www.beforepaygroup.com.au. The ASX announcements platform (ASX.com.au) also provides official disclosures and company updates.

Key Investor Considerations Post Q4 FY26 Results

After the Q4 FY26 results release and webinar on 30 July 2026, investors should focus on cash flow trends, customer acquisition and retention metrics for the consumer lending segment, and revenue and profitability across both business units. Management’s commentary on market conditions, strategic initiatives, and growth outlook will be critical for assessing Beforepay’s future prospects.

The webinar’s Q&A session offers an opportunity to clarify capital allocation priorities, segment-specific market dynamics, and any operational challenges. For current and prospective shareholders, the Q4 FY26 update will provide essential insights into the company’s financial health, operational momentum, and management confidence going forward.