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Tyro Payments Limited (TYR.AX)

AUD0.81 -0.01 (-1.23%)
AU ASX Technology Software - Infrastructure
Address 55 Market Street 2000
Sydney, NSW, AU
CEO Nigel Laurie Lee
Website tyro.com
IPO 2019-12-05
ISIN AU0000066508

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Also trades on Australian Securities Exchange · TYR.AX (AUD) Other OTC · TYPMF (USD)
Description

Tyro Payments Limited, an Australian company founded in Sydney in 2003, delivers a comprehensive array of payment and banking services to businesses nationwide. The firm operates through distinct Payments and Banking divisions. Its offerings include electronic funds transfer at point of sale (EFTPOS) terminals and the processing of credit, debit, and EFTPOS card transactions. Tyro also provides specialized services for Medicare and private health fund claiming and rebates. Innovative solutions comprise Tyro Go, a mobile card reader for on-the-go payments, and Tyro Connect, an integration platform designed to link various applications and services with point-of-sale systems, especially useful for establishments like cafes, restaurants, and bars. Additionally, Tyro developed Medipass, a digital health payment platform that streamlines interactions among healthcare practitioners, payers, and patients. On the banking front, the company offers business loans and supplementary financial products such as merchant cash advances, transaction accounts, and term deposit accounts. Tyro's client base encompasses a broad range of sectors, including healthcare, hospitality, services, corporate, accommodation, and retail.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
AUD0.81 -0.01 (-1.23%)
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Volume Profile
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Liquidity & share structure
Average Volume
1M
Beta
1.57
Float Shares
449.59M
Free Float %
84.7%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+4.73% +6.63% +21.23% +1.14% -16.51% -11.50% -2.21% -25.00% -76.89% -73.82% -73.82%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
0.81
DCF (Unlevered) 2.52 +212.8%
DCF (Levered) 4.05 +402.7%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 71% Bullish
Rating 2026-05 Change
Strong Buy 2 0
Buy 3 0
Hold 1 0
Sell 1 0
Strong Sell 0 0
Quality scores
Altman Z-Score
3.64
Safe zone
Piotroski F-Score
6 / 9
Average
MOAT Score
4 / 10
Developing
Composite Rating
A-
Overall Score
4 / 5
High
DCF Score
4 / 5
High
ROE Score
4 / 5
High
ROA Score
4 / 5
High
D/E Score
3 / 5
Medium
P/E Score
3 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
✗ Below peers
  • ✗
    Revenue growth Software - Infrastructure: +13.7%
    -5.0% Q4'25: +6.0% (vs Q4'23)
  • ✗
    EPS growth Software - Infrastructure: +28.7%
    -30.6% Q4'25: +239.6% (vs Q4'23)
  • ✓
    FCF margin FCF growth · Software - Infrastructure: +32.2%
    +26.7% ★ Q4'25: -29.7% (vs Q4'23)
  • ✗
    EBIT margin Software - Infrastructure: +8.8%
    +4.7% Q4'25: +7.0% (vs Q4'23)
  • ✓
    ROIC Software - Infrastructure: +6.6%
    +35.0% ★ Q4'25: +37.0% (vs Q4'23)
  • ✗
    Share dilution Software - Infrastructure: +0.0%
    +0.1% Q4'25: +1.4% (vs Q4'23)
  • ✓
    Debt / EBITDA Net debt/EBITDA · Software - Infrastructure: -1.06×
    0.42× ★ Q4'25: 0.31× (vs Q4'23)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
▶ WACC components (optional)
Ke (Cost of Equity) = Rf + β (1.54) × ERP
WACC = 94% × Ke + 6% × Kd (15.0%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
—
Intrinsic value (base): 2.52 Current price: 0.81
Enterprise Value: — Equity Value: — Terminal Value: — TV as % of EV: —

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Jun 2020
actual 		Jun 2021
actual 		Jun 2022
actual 		Jun 2023
actual 		Jun 2024
actual 		Jun 2025
actual 		Jun 2026
7 Rev. Ana.
5 EPS Ana. 		Jun 2027
7 Rev. Ana.
5 EPS Ana. 		Jun 2028
7 Rev. Ana.
7 EPS Ana.
Revenue
213.02M
est: 214.74M (-0.8%)
232.77M
est: 237.96M (-2.2%)
325.52M
est: 322.83M (+0.8%)
437.50M
est: 430.15M (+1.7%)
497.72M
est: 471.41M (+5.6%)
472.94M
est: 492.27M (-3.9%)
494.86M
487.16M – 507.05M
+0.5% YoY
512.20M
480.37M – 543.30M
+3.5% YoY
528.84M
528.33M – 529.36M
+3.2% YoY
EBITDA
-15.27M
est: 14.22M (-207.4%)
-13.89M
est: -41.54M (+66.6%)
8.14M
est: -51.88M (+115.7%)
37.92M
est: -62.75M (+160.4%)
68.20M
est: -76.26M (+189.4%)
67.20M
est: 170.60M (-60.6%)
171.50M
168.83M – 175.73M
+0.5% YoY
177.51M
166.48M – 188.29M
+3.5% YoY
183.28M
183.10M – 183.46M
+3.2% YoY
EBIT
-27.79M
est: -3.99M (-596.0%)
-29.26M
est: -42.72M (+31.5%)
-23.54M
est: -53.35M (+55.9%)
6.98M
est: -64.53M (+110.8%)
27.31M
est: -78.42M (+134.8%)
22.03M
est: 119.07M (-81.5%)
119.71M
117.84M – 122.65M
+0.5% YoY
123.90M
116.20M – 131.42M
+3.5% YoY
127.93M
127.80M – 128.05M
+3.2% YoY
Net Income
-38.06M
est: -26.10M (-45.8%)
-29.82M
est: -42.72M (+30.2%)
-29.62M
est: -53.35M (+44.5%)
6.01M
est: -64.53M (+109.3%)
25.71M
est: 25.71M (+0.0%)
17.82M
est: 17.82M (+0.0%)
25.71M
22.56M – 28.86M
+44.3% YoY
24.52M
24.11M – 27.95M
-4.6% YoY
24.92M
16.84M – 33.68M
+1.6% YoY
SGA
99.44M
est: 78.00M (+27.5%)
111.25M
est: 119.87M (-7.2%)
129.28M
est: 149.70M (-13.6%)
145.43M
est: 181.07M (-19.7%)
145.18M
est: 220.05M (-34.0%)
149.87M
est: 273.70M (-45.2%)
179.74M
176.94M – 184.17M
-34.3% YoY
186.04M
174.48M – 197.33M
+3.5% YoY
192.08M
191.89M – 192.27M
+3.2% YoY
EPS
-0.08
est: -0.05 (-65.0%)
-0.06
est: -0.02 (-167.1%)
-0.06
est: -0.04 (-36.4%)
0.01
est: 0.01 (-19.3%)
0.05
est: 0.03 (+45.4%)
0.03
est: 0.04 (-7.1%)
0.05
0.04 – 0.05
+24.3% YoY
0.05
0.04 – 0.05
+5.4% YoY
0.05
0.03 – 0.06
+2.5% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-29 A- 4/5 4/5 4/5 4/5 3/5 3/5 3/5
2026-05-28 A- 4/5 4/5 4/5 4/5 3/5 3/5 3/5
2026-05-27 A- 4/5 4/5 4/5 4/5 3/5 3/5 3/5
2026-05-26 A- 4/5 4/5 4/5 4/5 3/5 3/5 3/5
2026-05-25 A- 4/5 4/5 4/5 4/5 3/5 3/5 3/5
2026-05-22 A- 4/5 4/5 4/5 4/5 3/5 3/5 3/5
2026-05-21 A- 4/5 4/5 4/5 4/5 3/5 3/5 3/5
2026-05-20 A- 4/5 4/5 4/5 4/5 3/5 3/5 3/5
2026-05-19 A- 4/5 4/5 4/5 4/5 2/5 3/5 3/5
2026-05-18 A- 4/5 4/5 4/5 4/5 2/5 3/5 3/5
2026-05-15 A- 4/5 4/5 4/5 4/5 2/5 3/5 3/5
2026-05-14 A- 4/5 4/5 4/5 4/5 2/5 3/5 3/5
2026-05-13 A- 4/5 4/5 4/5 4/5 2/5 3/5 3/5
2026-05-12 A- 4/5 4/5 4/5 4/5 2/5 3/5 3/5
2026-05-11 A- 4/5 4/5 4/5 4/5 2/5 3/5 3/5
2026-05-08 A- 4/5 4/5 4/5 4/5 2/5 3/5 4/5
2026-05-07 A- 4/5 4/5 4/5 4/5 2/5 3/5 4/5
2026-05-06 A- 4/5 4/5 4/5 4/5 2/5 3/5 4/5
2026-05-05 A- 4/5 4/5 4/5 4/5 2/5 3/5 4/5
2026-05-04 A- 4/5 4/5 4/5 4/5 2/5 3/5 4/5
2026-05-01 B+ 3/5 3/5 3/5 4/5 2/5 3/5 4/5
2026-04-30 B+ 3/5 3/5 3/5 4/5 2/5 3/5 4/5
2026-04-29 B+ 3/5 3/5 3/5 4/5 2/5 3/5 4/5
2026-04-28 B+ 3/5 3/5 3/5 4/5 2/5 3/5 4/5
2026-04-27 B+ 3/5 3/5 3/5 4/5 2/5 3/5 4/5
2026-04-24 B+ 3/5 3/5 3/5 4/5 2/5 3/5 4/5
2026-04-23 B+ 3/5 3/5 3/5 4/5 2/5 3/5 4/5
2026-04-22 B+ 3/5 3/5 3/5 4/5 2/5 3/5 4/5
2026-04-21 B+ 3/5 3/5 3/5 4/5 2/5 3/5 3/5
2026-04-20 B+ 3/5 3/5 3/5 4/5 2/5 3/5 3/5
2026-04-17 B+ 3/5 3/5 3/5 4/5 2/5 3/5 3/5
2026-04-16 B+ 3/5 3/5 3/5 4/5 2/5 3/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
112.79M
OE per share TTM
0.21
Owner's Yield
24.26%
Maintenance CapEx ratio
8.46%
Maint CapEx / Avg PPE
15.1%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock Held by 38 ETFs in our universe
# ETF Weight Est. AUM exposure TER
1 BetaShares - Australian Small Companies Select ETF SMLL.AX 0.42% 969.4K 0.39%
2 iShares S&P/ASX Small Ordinaries ETF ISO.AX 0.15% 131.7K 0.55%
3 BetaShares - Australian Sustainability Leaders ETF FAIR.AX 0.08% 603.3K 0.49%
4 Vanguard Australian Shares Index ETF VAS.AX 0.02% 2.93M 0.07%
5 State Street SPDR S&P International Small Cap ETF GWX 0.01% 118.8K 0.40%
6 Schwab International Small-Cap Equity ETF SCHC 0.01% 625.1K 0.06%
7 Avantis International Small Cap Equity ETF AVDS 0.01% 35.9K 0.30%
8 Avantis International Small Cap Value ETF AVDV 0.01% 2.03M 0.36%
9 Dimensional - International Small Cap ETF DFIS 0.01% 483.3K 0.39%
10 Vanguard FTSE All-World ex-US Small-Cap ETF VSS 0.01% 1.15M 0.06%

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
35.2K
Shares Outstanding
531.03M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Emma Burke Chief Financial Officer 650.0K female
Steven Chapman Chief Risk Officer 484.3K male
Jo Moxey Chief Growth Officer — female
Martyn Adlam Head of Investor Relations — —
Adrian Perillo Chief Executive Officer of Tyro Health — male
Nigel Laurie Lee Chief Executive Officer — male
Steen Andersson Chief Product Officer — male
Steve Willson Chief Technology Officer — male
Monica Fiumara Chief People & Communications Officer — female
Jairan Amigh Special Counsel & Company Secretary — female
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend history

Earnings history

Earnings reports

Stock splits

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