Tyro Payments Ltd. (TYR) AI Stock Analysis

• Market Cap: AU$652.90M
• Dividend Yield: N/A
• Average Volume (3M): 2.72M
• Price to Earnings (P/E): 36.4
• Beta (1Y): 1.64
• Revenue Growth: 1.06%
• EPS Growth: -30.96%
• Country: AU
• Employees: 626
• Sector: Technology
• Sector Strength: 88
• Industry: Software - Infrastructure
• EPS (TTM): 0.02
• Shares Outstanding: 528,661,500
• 10 Day Avg. Volume: 1,844,705
• 30 Day Avg. Volume: 2,719,656
• PEG Ratio: -0.84
• Price to Book (P/B): 2.04
• Price to Sales (P/S): 0.98
• P/FCF Ratio: 3.63
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: AU$1.42
• Price Target Upside: 15.45% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 9

• Rating: 64 Neutral
• Price Target: AU$1.50 ▲(21.95% Upside)

Tyro Payments Ltd. has a stable financial foundation with strong cash flow and low leverage, which are significant strengths. However, technical indicators suggest overbought conditions, and the high P/E ratio raises concerns about valuation. These factors combined result in a moderate overall stock score.

Tyro Payments Ltd. Business Overview & Revenue Model

Company Description

Tyro Payments Limited provides payment solutions to merchants in Australia. The company operates through Payments and Banking segments. It offers electronic funds transfer at point of sale (EFTPOS) solutions, business loans, and banking solutions. The company also acquires credit, debit, and EFTPOS cards; and offers Medicare and private health fund claiming and rebating services. In addition, it provides complementary banking solutions, including merchant cash advance, transaction account, and a term-deposit account. Further, the company offers Tyro Go, a mobile payment card reader; Tyro Connect that integrates apps and services with POS system designed for cafes, restaurants, QSRs, pubs, clubs, and bars; and Medipass, a digital health payment platform that links practitioners, funders, and patients. It primarily serves health, hospitality, services, corporate, accommodation, and retail industries. The company was incorporated in 2003 and is based in Sydney, Australia.

How the Company Makes Money

Tyro Payments Ltd. generates revenue primarily through transaction fees from its electronic payment processing services. The company provides EFTPOS terminals, online payment solutions, and banking services, charging merchants a fee for each transaction processed through its platforms. Additionally, Tyro earns interest income from its banking products, including business loans and deposit accounts. Strategic partnerships with financial institutions and technology providers also contribute to its revenue, enabling Tyro to expand its service offerings and customer base.

Tyro Payments Ltd. Financial Statement Overview

Summary

Tyro Payments Ltd. shows a stable financial position with strong cash flow and balance sheet stability. Despite challenges in the income statement with declining revenue and profit margins, the company's low leverage and strong cash flow generation provide a solid foundation for future growth.

Income Statement

Tyro Payments Ltd. has shown a mixed performance in its income statement. The company has a decent gross profit margin of 45.96% for 2025, indicating efficient cost management. However, the net profit margin has declined to 3.77% from 5.16% in 2024, reflecting reduced profitability. Revenue growth has been negative at -3.91%, which is a concern. The EBIT and EBITDA margins are relatively low, suggesting room for improvement in operational efficiency.

Balance Sheet

The balance sheet of Tyro Payments Ltd. is relatively strong with a low debt-to-equity ratio of 0.12, indicating low financial leverage and reduced risk. The return on equity is moderate at 7.85%, showing a reasonable return on shareholders' investments. The equity ratio is healthy, suggesting a solid capital structure. Overall, the company maintains a stable financial position.

Cash Flow

Tyro Payments Ltd. has demonstrated strong cash flow performance with a significant free cash flow growth rate of 433.52% in 2025. The operating cash flow to net income ratio is 0.55, indicating good cash generation relative to net income. The free cash flow to net income ratio is high at 0.92, reflecting efficient cash management. The cash flow metrics suggest robust liquidity and financial flexibility.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	472.94M	472.94M	497.71M	437.50M	325.52M	232.77M
Gross Profit	217.35M	217.35M	225.87M	162.00M	118.81M	98.33M
EBITDA	61.15M	67.20M	68.20M	37.92M	8.14M	-6.17M
Net Income	17.82M	17.82M	25.70M	6.01M	-29.62M	-29.82M
Balance Sheet
Total Assets	547.56M	547.56M	451.46M	431.04M	410.09M	395.26M
Cash, Cash Equivalents and Short-Term Investments	191.93M	191.93M	85.48M	58.05M	47.36M	89.52M
Total Debt	28.05M	28.05M	31.54M	33.56M	33.99M	2.81M
Total Liabilities	320.74M	320.74M	243.78M	253.35M	250.49M	214.59M
Stockholders Equity	226.82M	226.82M	207.67M	177.68M	159.60M	180.66M
Cash Flow
Free Cash Flow	145.04M	127.07M	35.52M	10.15M	-33.38M	-40.26M
Operating Cash Flow	145.81M	138.13M	48.79M	25.23M	-9.02M	-10.98M
Investing Cash Flow	-5.17M	7.04M	-40.62M	-27.76M	-48.35M	-32.22M
Financing Cash Flow	-2.06M	-6.59M	-2.97M	8.88M	9.37M	23.93M

Tyro Payments Ltd. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 1.23
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:TYR, the sentiment is Positive. The current price of 1.23 is above the 20-day moving average (MA) of 1.22, above the 50-day MA of 1.09, and above the 200-day MA of 0.89, indicating a bullish trend. The MACD of 0.05 indicates Positive momentum. The RSI at 60.84 is Neutral, neither overbought nor oversold. The STOCH value of 38.30 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for AU:TYR.

Tyro Payments Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
B4P	71 Outperform	101.69M	14.89	0.00%	―	13.74%	70.80%
TYR	64 Neutral	AU$652.90M	36.43	8.20%	―	1.06%	-30.96%
WRK	51 Neutral	218.03M	-71.88	-14.86%	―	10.79%	46.67%
QFE	47 Neutral	39.75M	-8.33	-77.25%	―	24.46%	24.10%
SPX	44 Neutral	23.08M	-1.89	0.00%	―	106.21%	-60.61%
Sector *	61 Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%

Tyro Payments Ltd. Corporate Events

Tyro Payments Limited Reports FY25 Results, Reinforces Market Position

Tyro Payments Limited has released its FY25 results, highlighting the company’s performance and strategic direction. The announcement underscores Tyro’s commitment to maintaining its market position in the fintech sector, with a focus on leveraging its payment solutions to drive growth and enhance stakeholder value.

The most recent analyst rating on (AU:TYR) stock is a Buy with a A$1.55 price target. To see the full list of analyst forecasts on Tyro Payments Ltd. stock, see the AU:TYR Stock Forecast page.

Tyro Payments Accelerates Growth with Strong FY25 Results and Strategic Expansion

Tyro Payments Ltd. reported strong financial results for FY25, with significant growth in EBITDA and gross profit. The company is accelerating its growth initiatives by expanding into new markets and enhancing its payment offerings, positioning itself for continued success in FY26. The introduction of new banking and payment solutions has led to increased merchant adoption and transaction values, supporting Tyro’s strategic priorities and future growth potential.

The most recent analyst rating on (AU:TYR) stock is a Buy with a A$1.55 price target. To see the full list of analyst forecasts on Tyro Payments Ltd. stock, see the AU:TYR Stock Forecast page.