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Tyro Payments Ltd. (AU:TYR)
ASX:TYR
Earnings Data
Report Date
Aug 31, 2026After Close (Confirmed)
Period Ending
2026 (Q4)Consensus EPS Forecast
0.01Last Year’s EPS
0.02Same Quarter Last Year
Moderate Buy
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presents a broadly positive picture: volume recovery, strong banking momentum, improved profitability (EBITDA +19.8%, statutory profit +72%), and materially stronger cash generation and balance sheet provide capacity for growth. Management also articulated a clear growth strategy (health, banking, e-commerce, larger merchants) and completed a strategic acquisition (Thriday). Key risks flagged include a 10% decline in Bendigo merchant volumes, short-term GP volume pressure from government bulk-billing changes, and an expected step-up in H2 operating expenses for compliance, projects and marketing which could weigh on near-term margins. On balance, the positive operational and financial progress outweigh the identified challenges.Company Guidance
Scale and Reach
Tyro supports over 76,000 (nearly 80,000) merchants and processes more than $43 billion in annual transaction volumes, providing scale and optionality to drive further growth.
Payment Volume Recovery
Total payment volumes increased 4% year-over-year, driven by a 5.6% increase in Tyro core payment volumes and broadly consistent 4-5% growth across retail, hospitality and service verticals.
Strong Growth in Health Vertical
Health vertical delivered 9.4% volume growth, with continued focus on specialists, allied health and dental despite some short-term GP pressure from government policy.
Payments Margin and Gross Profit Expansion
Payment margin improved by 0.8 basis points versus H1 FY25; payments gross profit grew 6% to $104.1 million.
Banking Momentum
New transaction account and debit card drove active banking users up 38%; loan originations grew close to 20% with higher average loan size; banking gross profit rose 5.4% and net return on banking improved from 11.7% to 12.2%.
Improved Profitability and Cash Generation
EBITDA increased 19.8% to $39.5 million (EBITDA margin 33.6%); statutory profit rose 72% to $17.7 million; free cash flow was $13.6 million, up 52% year-over-year.
Operational Discipline
Operating expenses decreased 2.9% while gross profit rose 5%, improving operating efficiency from 69% to 64% and enabling capacity for growth investment.
Strong Balance Sheet and Confirmed Guidance
Available funds exceed $140 million; company reaffirmed full-year guidance of $230–240 million gross profit and EBITDA margin 28.5%–30%, and indicated it is on track at the half year.
Strategic Acquisition (Thriday)
Acquisition of Thriday adds automated invoicing, expense management, budgeting and tax tools, deepening Tyro's integrated proposition to increase engagement, retention and lifetime value.
AU:TYR Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
AU:TYR Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Feb 23, 2026 | AU$0.94 | AU$0.96 | +2.67% |
Aug 25, 2025 | AU$1.20 | AU$1.17 | -2.50% |
Feb 25, 2025 | AU$0.90 | AU$0.94 | +5.59% |
Feb 26, 2024 | AU$1.20 | AU$1.08 | -10.00% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Tyro Payments Ltd. (AU:TYR) report earnings?
Tyro Payments Ltd. (AU:TYR) is schdueled to report earning on Aug 31, 2026, After Close (Confirmed).
What is Tyro Payments Ltd. (AU:TYR) earnings time?
Tyro Payments Ltd. (AU:TYR) earnings time is at Aug 31, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is the P/E ratio of Tyro Payments Ltd. stock?
The P/E ratio of Tyro Payments Ltd. is N/A.
What is AU:TYR EPS forecast?
AU:TYR EPS forecast for the fiscal quarter 2026 (Q4) is 0.01.