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Tyro Payments Ltd. (AU:TYR)
ASX:TYR
Australian Market
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Tyro Payments Ltd. (TYR) AI Stock Analysis

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AU:TYR

Tyro Payments Ltd.

(Sydney:TYR)

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Neutral 63 (OpenAI - 4o)
Rating:63Neutral
Price Target:
AU$1.00
▼(-15.25% Downside)
Tyro Payments Ltd. has a stable financial foundation with strong cash flow and low leverage, which are significant strengths. However, the stock's relatively high P/E ratio and lack of dividend yield present valuation concerns. Technical indicators suggest mixed momentum, with short-term weakness but potential long-term strength.

Tyro Payments Ltd. (TYR) vs. iShares MSCI Australia ETF (EWA)

Tyro Payments Ltd. Business Overview & Revenue Model

Company DescriptionTyro 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 MoneyTyro Payments generates revenue primarily through transaction fees charged to merchants on each payment processed through its payment systems. Additionally, the company earns income from subscription fees for its POS systems and software services. Tyro's revenue model is also bolstered by partnerships with financial institutions and service providers, allowing it to offer integrated solutions and expand its market reach. Key revenue streams include merchant service fees, transaction-based earnings, and ancillary services such as cash flow management and analytics tools, which help businesses optimize their operations.

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
65
Positive
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
72
Positive
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
78
Positive
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.
BreakdownTTMDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue472.94M472.94M497.71M437.50M325.52M232.77M
Gross Profit217.35M217.35M225.87M162.00M118.81M98.33M
EBITDA61.15M67.20M68.20M37.92M8.14M-6.17M
Net Income17.82M17.82M25.70M6.01M-29.62M-29.82M
Balance Sheet
Total Assets547.56M547.56M451.46M431.04M410.09M395.26M
Cash, Cash Equivalents and Short-Term Investments191.93M191.93M85.48M58.05M47.36M89.52M
Total Debt28.05M28.05M31.54M33.56M33.99M2.81M
Total Liabilities320.74M320.74M243.78M253.35M250.49M214.59M
Stockholders Equity226.82M226.82M207.67M177.68M159.60M180.66M
Cash Flow
Free Cash Flow145.04M127.07M35.52M10.15M-33.38M-40.26M
Operating Cash Flow145.81M138.13M48.79M25.23M-9.02M-10.98M
Investing Cash Flow-5.17M7.04M-40.62M-27.76M-48.35M-32.22M
Financing Cash Flow-2.06M-6.59M-2.97M8.88M9.37M23.93M

Tyro Payments Ltd. Technical Analysis

Technical Analysis Sentiment
Positive
Last Price1.18
Price Trends
50DMA
1.18
Positive
100DMA
1.06
Positive
200DMA
0.94
Positive
Market Momentum
MACD
<0.01
Negative
RSI
57.75
Neutral
STOCH
70.02
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 1.18 is above the 20-day moving average (MA) of 1.14, above the 50-day MA of 1.18, and above the 200-day MA of 0.94, indicating a bullish trend. The MACD of <0.01 indicates Negative momentum. The RSI at 57.75 is Neutral, neither overbought nor oversold. The STOCH value of 70.02 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

Overall Rating
UnderperformOutperform
Sector (61)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
AU$123.76M17.8119.30%13.74%70.80%
AU$584.71M32.608.20%1.06%-30.96%
$37.18B12.37-10.20%1.83%8.50%-7.62%
AU$209.01M-19.83%10.79%46.67%
AU$45.43M-60.86%24.46%24.10%
AU$18.91M-97.38%106.21%-60.61%
* Technology Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
AU:TYR
Tyro Payments Ltd.
1.18
0.40
51.28%
AU:QFE
QuickFee Ltd.
0.12
-0.01
-7.69%
AU:B4P
Beforepay Group Limited
2.38
1.28
116.36%
AU:WRK
Wrkr Ltd
0.14
0.08
133.33%
AU:SPX
Spenda Limited
0.01
0.00
0.00%

Tyro Payments Ltd. Corporate Events

Tyro Payments Issues New Performance Rights to Employees
Oct 20, 2025

Tyro Payments Limited announced the issuance of 2,800,399 performance rights under an employee incentive scheme, which are not intended to be quoted on the ASX. This move is part of Tyro’s strategy to incentivize its employees and align their interests with the company’s growth objectives, potentially impacting its operational dynamics and stakeholder engagement.

The most recent analyst rating on (AU:TYR) stock is a Hold with a A$1.00 price target. To see the full list of analyst forecasts on Tyro Payments Ltd. stock, see the AU:TYR Stock Forecast page.

Tyro Payments Announces Issuance of Unquoted Equity Securities
Oct 13, 2025

Tyro Payments Limited announced the issuance and conversion of unquoted equity securities, with several tranches of ordinary fully paid securities being issued between July and September 2025. This move reflects Tyro’s ongoing efforts to manage its equity structure, potentially impacting its market positioning and providing stakeholders with insights into its strategic financial maneuvers.

The most recent analyst rating on (AU:TYR) stock is a Hold with a A$1.00 price target. To see the full list of analyst forecasts on Tyro Payments Ltd. stock, see the AU:TYR Stock Forecast page.

Tyro Payments Limited Reports FY25 Results, Reinforces Market Position
Aug 26, 2025

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
Aug 26, 2025

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.

Tyro Payments Reports Mixed Financial Results for 2025
Aug 26, 2025

Tyro Payments Limited reported a slight increase in transaction value and revenue for the year ended June 30, 2025, with a 0.2% rise in transaction value and a 3.1% increase in revenue from ordinary activities. Despite these gains, the company experienced a decline in profit before tax and profit after tax, with a notable 30.7% drop in profit after tax attributable to ordinary equity holders. The company did not declare or pay any dividends for the year. The net tangible assets per share improved from 13 cents to 19 cents, reflecting changes in asset calculations and liabilities.

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 to Announce FY25 Financial Results
Aug 18, 2025

Tyro Payments Ltd announced that it will release its FY25 full-year financial results on August 26, 2025. A briefing for investors, analysts, and media will be held on the same day, hosted by CEO Jon Davey and CFO Emma Burke. This event is significant for stakeholders as it provides insights into the company’s financial health and strategic direction.

The most recent analyst rating on (AU:TYR) stock is a Sell with a A$0.80 price target. To see the full list of analyst forecasts on Tyro Payments Ltd. stock, see the AU:TYR Stock Forecast page.

Tyro Payments Receives Acquisition Interest, Maintains Market Transparency
Aug 13, 2025

Tyro Payments Ltd has received unsolicited, non-binding interest from various parties regarding a potential acquisition. However, the company has determined that the current offers do not reflect its intrinsic value. Tyro is committed to keeping the market informed in line with its disclosure obligations.

The most recent analyst rating on (AU:TYR) stock is a Sell with a A$0.80 price target. To see the full list of analyst forecasts on Tyro Payments Ltd. stock, see the AU:TYR Stock Forecast page.

Tyro Payments Addresses ASX Price Query with Trading Halt
Aug 12, 2025

Tyro Payments Limited has responded to a price query from the Australian Securities Exchange (ASX) regarding recent trading activity in its securities. The company acknowledged the existence of undisclosed information that could explain the trading patterns and has requested a trading halt to prepare an appropriate announcement. Tyro confirmed its compliance with ASX Listing Rules and that its responses were authorized under its disclosure policy.

The most recent analyst rating on (AU:TYR) stock is a Sell with a A$0.80 price target. To see the full list of analyst forecasts on Tyro Payments Ltd. stock, see the AU:TYR Stock Forecast page.

Tyro Payments Initiates Trading Halt Pending Announcement
Aug 12, 2025

Tyro Payments Limited has requested a trading halt on its securities pending the release of an announcement following a price query from the ASX. The halt will remain in effect until the announcement is made or normal trading resumes on 14 August 2025, ensuring transparency and compliance with ASX regulations.

The most recent analyst rating on (AU:TYR) stock is a Sell with a A$0.80 price target. To see the full list of analyst forecasts on Tyro Payments Ltd. stock, see the AU:TYR Stock Forecast page.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Oct 21, 2025