tiprankstipranks
Trending News
More News >
Tyro Payments Ltd. (AU:TYR)
ASX:TYR
Australian Market

Tyro Payments Ltd. (TYR) AI Stock Analysis

Compare
77 Followers

Top Page

AU

Tyro Payments Ltd.

(Sydney:TYR)

Rating:75Outperform
Price Target:
AU$1.00
▲(13.64%Upside)
Tyro Payments Ltd. scores a solid 74.5, driven primarily by strong financial performance with robust revenue growth and profitability improvements. Technical analysis presents a neutral to slightly positive outlook, supported by reasonable valuation metrics. The absence of earnings call data and notable corporate events did not impact the overall score.

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

Tyro Payments Ltd. Business Overview & Revenue Model

Company DescriptionTyro Payments Ltd. (TYR) is an Australian financial technology company specializing in providing payment solutions and banking products to businesses. Operating primarily in the retail, hospitality, health, and service sectors, Tyro offers a range of products and services including EFTPOS terminals, a business bank account, and a lending product. The company emphasizes innovation and customer service to support businesses with efficient and secure payment processing solutions.
How the Company Makes MoneyTyro Payments Ltd. generates revenue primarily through transaction fees charged on payments processed via its EFTPOS terminals. Additionally, the company earns money from its business banking services, including fees associated with the Tyro Bank Account and interest from its lending products. Tyro also partners with various software vendors to integrate its payment solutions, extending its reach and enhancing its service offerings. These strategic partnerships, along with a focus on industry-specific solutions, contribute to Tyro's ability to grow its customer base and increase transaction volumes, driving its earnings.

Tyro Payments Ltd. Financial Statement Overview

Summary
Tyro Payments Ltd. exhibits strong financial health with robust revenue growth, improved profitability, and effective cash flow management. The solid balance sheet with low leverage further supports its stable position in the software infrastructure industry. While slightly increased debt warrants monitoring, the company's financial performance suggests a positive outlook with substantial growth potential.
Income Statement
85
Very Positive
Tyro Payments Ltd. has demonstrated strong growth in its income statement metrics. Over the past year, total revenue grew by 13.77%, demonstrating robust growth. Gross profit margin stands at 45.38%, indicating effective cost management. Furthermore, the net profit margin improved significantly to 5.16% from 1.37% the previous year, reflecting enhanced profitability. The EBIT margin rose to 18.75%, and EBITDA margin is at 13.70%, showcasing improved operational efficiency.
Balance Sheet
78
Positive
The company's balance sheet reflects a solid financial position with an equity ratio of 46.00%, indicating a strong equity base. The debt-to-equity ratio is low at 0.15, suggesting low leverage and financial stability. Return on equity improved to 12.38%, indicating efficient use of equity to generate profits. However, the company's total debt increased slightly, which could represent a potential area of concern if not managed properly.
Cash Flow
80
Positive
Tyro Payments Ltd. has shown remarkable improvement in its cash flow metrics. Free cash flow grew significantly by 249.86%, reflecting enhanced cash generation capabilities. The operating cash flow to net income ratio is robust at 1.90, and the free cash flow to net income ratio stands at 1.38, indicating strong cash flow relative to net income. These metrics highlight the company's ability to generate sufficient cash to support its operations and growth.
Breakdown
TTMJun 2024Jun 2023Jun 2022Jun 2021Jun 2020
Income StatementTotal Revenue
492.16M497.71M437.50M325.52M232.77M213.02M
Gross Profit
202.99M225.87M162.00M118.81M98.33M83.29M
EBIT
54.91M93.34M1.56M-24.94M-20.29M-25.83M
EBITDA
67.50M68.20M37.92M8.14M-6.17M-15.27M
Net Income Common Stockholders
30.82M25.70M6.01M-29.62M-29.82M-38.06M
Balance SheetCash, Cash Equivalents and Short-Term Investments
64.08M85.48M58.05M47.36M89.52M113.76M
Total Assets
447.02M451.46M431.04M410.09M395.26M263.84M
Total Debt
32.13M31.54M33.56M33.99M2.81M7.48M
Net Debt
-22.41M-19.23M-9.04M-2.89M-12.19M-7.52M
Total Liabilities
262.44M243.78M253.35M250.49M214.59M74.12M
Stockholders Equity
184.58M207.67M177.68M159.60M180.66M189.72M
Cash FlowFree Cash Flow
23.82M35.52M10.15M-33.38M-40.26M-20.47M
Operating Cash Flow
24.69M48.79M25.23M-9.02M-10.98M-15.72M
Investing Cash Flow
-38.93M-40.62M-27.76M-48.35M-32.22M-46.82M
Financing Cash Flow
-6.66M-2.97M8.88M9.37M23.93M142.72M

Tyro Payments Ltd. Technical Analysis

Technical Analysis Sentiment
Positive
Last Price0.88
Price Trends
50DMA
0.81
Positive
100DMA
0.81
Positive
200DMA
0.85
Positive
Market Momentum
MACD
0.02
Positive
RSI
52.83
Neutral
STOCH
66.02
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 0.88 is below the 20-day moving average (MA) of 0.89, above the 50-day MA of 0.81, and above the 200-day MA of 0.85, indicating a neutral trend. The MACD of 0.02 indicates Positive momentum. The RSI at 52.83 is Neutral, neither overbought nor oversold. The STOCH value of 66.02 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 (62)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
AUXYZ
76
Outperform
AU$60.24B15.6012.61%5.46%425.12%
AUTYR
75
Outperform
AU$433.24M14.9715.36%7.50%204.66%
AUIRE
64
Neutral
€1.59B17.9827.46%1.26%-3.98%
62
Neutral
$11.72B10.43-7.10%2.91%7.41%-7.94%
AUPPS
60
Neutral
AU$332.01M32.499.89%2.84%23.52%7.96%
AUEML
54
Neutral
$450.88M37.427.22%-27.00%
* Technology Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
AU:TYR
Tyro Payments Ltd.
0.88
0.10
12.82%
AU:IRE
IRESS Limited
8.44
0.71
9.13%
AU:EML
EML Payments
1.15
0.25
27.22%
AU:PPS
Praemium Ltd
0.70
0.26
59.09%
AU:XYZ
Block, Inc. Shs Chess Depository Interests Repr 1 Sh
98.23
0.62
0.64%

Tyro Payments Ltd. Corporate Events

Tyro Payments CEO Resignation and Future Growth Plans
Jun 5, 2025

Tyro Payments Ltd announced the resignation of its CEO and Managing Director, Jon Davey, who will leave to join a private equity-backed business outside the financial services sector. Davey, who joined Tyro in 2021 and became CEO in 2022, will remain for up to six months to ensure a smooth transition. Under his leadership, Tyro experienced significant transformation, focusing on sustainable growth and expansion into new verticals such as aged care and pet insurance. The company is positioned well for future growth, with a strong leadership team committed to executing its strategy for FY26 and beyond.

The most recent analyst rating on (AU:TYR) stock is a Hold with a A$1.30 price target. To see the full list of analyst forecasts on Tyro Payments Ltd. stock, see the AU:TYR Stock Forecast page.

Tyro Payments Ltd Appoints Steven Holmes to Board of Directors
Jun 4, 2025

Tyro Payments Ltd has announced the appointment of Steven Holmes to its Board of Directors, effective June 4, 2025. This strategic move is expected to strengthen the company’s leadership and potentially enhance its operational capabilities, further solidifying its position in the payment solutions industry.

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 Partners with GapOnly® to Revolutionize Pet Insurance Payments
Jun 3, 2025

Tyro Payments Ltd has announced a partnership with GapOnly®, a leading pet insurance claims service in Australia, to enhance payment and claiming processes in the $4 billion pet veterinary services industry. This collaboration, set to launch in early 2026, will leverage Tyro’s health payments expertise to allow customers to claim pet insurance and pay the gap at veterinary clinics. The partnership signifies Tyro’s strategic move into the growing pet care market, which is experiencing double-digit growth in insured pets, and highlights the company’s expansion into new industry verticals, including aged-care and pet health, with an addressable market opportunity of approximately $40 billion.

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 Appoints Steven Holmes as New Director
Jun 3, 2025

Tyro Payments Ltd has appointed Steven Holmes as a new Director on its Board, effective June 4, 2025. Holmes brings over two decades of experience in fintech, payments, and technology-enabled services, having held senior roles at Xplor Technologies and Transaction Services Group. His expertise in payments, M&A, and international expansion is expected to bolster Tyro’s strategic direction and growth opportunities. The appointment is seen as a significant step in enhancing Tyro’s board capabilities and supporting its expansion efforts.

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 Withdraws from Smartpay Acquisition
May 4, 2025

Tyro Payments Ltd has withdrawn from the acquisition process of Smartpay Holdings Limited after Smartpay entered an exclusivity agreement with another party. This decision impacts Tyro’s strategic expansion plans, as it was conducting due diligence and had submitted a merger proposal before Smartpay’s decision.

Tyro Payments Announces Cessation of Securities
Apr 14, 2025

Tyro Payments Limited announced the cessation of several securities, including options and performance rights, due to the conditions for these securities not being met or becoming incapable of being satisfied. This cessation affects a significant number of securities, reflecting a strategic adjustment in the company’s financial operations, potentially impacting its market positioning and stakeholder interests.

Tyro Payments Announces New Securities Quotation on ASX
Apr 14, 2025

Tyro Payments Ltd. has announced the application for quotation of new securities on the Australian Securities Exchange (ASX). The release details the issuance of several tranches of ordinary fully paid securities, totaling 322,544 shares, issued between January and March 2025. This move is likely to enhance Tyro’s capital structure and potentially improve its liquidity position, which could have positive implications for its stakeholders and market positioning.

Tyro Payments Ltd Announces Change of Registry Address
Apr 14, 2025

Tyro Payments Ltd has announced a change in the address of its registry office in Sydney, which is now located at Liberty Place, Level 41, 161 Castlereagh St, Sydney NSW 2000. This change is in compliance with ASX Listing Rule 3.15.1 and is effective immediately. The relocation of the registry office is a logistical update and does not impact the company’s operations or stakeholder relations, as all contact numbers and postal addresses remain unchanged.

Tyro Payments Explores Acquisition of Smartpay Holdings
Mar 16, 2025

Tyro Payments Ltd has confirmed media speculation regarding a potential acquisition of Smartpay Holdings Limited by issuing a non-binding indicative offer to acquire 100% of Smartpay’s issued share capital. The offer includes a combination of Tyro shares and cash, though discussions are still preliminary and there is no certainty of a transaction. Tyro will continue to update the market as required by its disclosure obligations.

Smartpay Receives Acquisition Proposals from Tyro and International Party
Mar 16, 2025

Smartpay Holdings Limited has received two conditional, non-binding proposals for acquisition. One proposal is from Tyro Payments Limited, offering to acquire all shares through a scheme of arrangement with a mix of Tyro shares and cash, while the other is from an international strategic party. Both proposals are preliminary and subject to due diligence. Smartpay’s board has allowed both parties to conduct initial due diligence to assess and potentially improve their offers. There is no certainty of a binding offer or transaction, and shareholders are advised that no action is required at this time.

Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.

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.