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Tyro Payments Ltd. (TYR) Share Price & Analysis
TYR Stock Chart & Stats
- Day’s Range
- AUD 0.69 - AUD 0.72
- 52-Week Range
- AUD 0.64 - AUD 1.14
- Previous Close
- AUD 0.72
- Volume
- N/A
- Average Volume (3M)
- 1.22M
- Market Cap
- AUD 370.53M
- Enterprise Value
- AUD 302.23M
- Total Cash (Recent Filing)
- AUD 139.47M
- Total Debt (Recent Filing)
- AUD 24.86M
- Price to Earnings (P/E)
- 17.1
- Beta
- 1.42
- Next Earnings
- Mar 01, 2027 (Est.)
- EPS Estimate
- 0.03
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- N/A
Bulls Say, Bears Say
Bulls Say
Banking Growth
Strong banking adoption broadens Tyro beyond transaction processing and increases the number of services used by merchants. Rising accounts, deposits and lending balances can deepen relationships, diversify revenue, and support durable cross-selling if credit quality remains controlled.
Merchant Scale And Integration Depth
A substantial SME merchant base and extensive POS, PMS and software integrations create useful distribution and switching advantages. These capabilities make Tyro more embedded in merchant workflows, supporting retention, product adoption and expansion across payment channels over time.
Conservative Balance Sheet
Low and improving leverage reduces the burden of borrowing and gives Tyro greater flexibility to invest in banking, health, enterprise and e-commerce initiatives. A stronger capital structure also improves resilience when payment volumes or merchant conditions weaken.
Bears Say
Weak Cash-flow Quality
The sharp reversal from positive operating and free cash flow to negative levels raises questions about earnings conversion and working-capital requirements. If sustained, the disconnect could constrain internally funded investment and increase execution or funding pressure.
Margin Compression
Rapid revenue growth has not translated fully into stable gross profitability, as the significant margin decline suggests higher costs, mix effects or pricing pressure. Persistent compression would reduce operating leverage and make future earnings more dependent on volume growth.
Card-surcharging Regulatory Change
The regulatory change directly affects how merchants recover payment costs and how Tyro manages pricing and interchange economics. Although management included it in guidance, implementation could create lasting margin uncertainty and require changes to merchant propositions.
Tyro Payments Ltd. News
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Tyro Payments Ltd. Stock Smart Score
Company Description
Tyro Payments Ltd.
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.
- Sector
- Technology
- Industry
- Software - Infrastructure
- CEO
- Nigel Laurie Lee
- Employees
- 577
- Website
- www.tyro.com
- Address
- 55 Market Street, Sydney, NSW, 2000, AU
Tyro Payments Ltd. (TYR) Earnings & Revenues
TYR Earnings Call
Earnings Call SentimentPositive
The call conveyed a predominantly positive outlook: Tyro reported stronger earnings, materially higher free cash flow, improved operating efficiency, and clear momentum in banking and health verticals. Management acknowledged regulatory changes (card surcharging removal), macroeconomic pressures on SMEs, and near-term moderation in Health due to bulk-billing changes, but has incorporated these factors into guidance and emphasized a strong capital position and a pathway to commercialize investments in FY '27.
View all AU:TYR earnings summariesTYR Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 8 | 4 | 10 |
| Technical Analysis | 4 | 4 | 2 |
| Moving Averages | 4 | 0 | 8 |
