Tyro Payments Ltd (TYR) fair value: what the stock is really worth
As of Nov 9, 2026: fair value (intrinsic value) of Tyro Payments Ltd stock A$0.98, price A$0.75, upside +31.5%, quality 52 out of 100. Rating: undervalued. Calculated from audited financials with 15 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.
How to read this chart
60‑month range A$0.6000 – A$4.28 · fair‑value band A$0.6700 – A$1.40 · the A$0.7450 price screens below the A$0.9800 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.
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Tyro Payments Limited provides integrated payment solutions and value-add services in Australia. It operates through two segments, Payments and Banking.
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The company offers card present, card-not-present, and in-app payments; acquires and processes electronic payment transactions from merchants; leases terminals; and sells terminal accessories.
It also provides merchant cash advances/business loans, transaction banking accounts, and term deposit accounts. In addition, the company offers electronic funds transfer at point-of-sale (EFTPOS) machine solutions.
It serves the retail, hospitality, health, trades and services, hotel and accommodation, corporate, and not-for-profit industries. The company was formerly known as MoneySwitch Limited and changed its name to Tyro Payments Limited in October 2010.
Tyro Payments Limited was incorporated in 2003 and is headquartered in Sydney, Australia.
Stock analysis
Tyro Payments Ltd (TYR) currently trades at A$0.7450, while our model-based Fair Value estimate is A$0.9800, implying the stock looks roughly 24% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of A$1.12 per share, and 7 of the 15 models we run sit above the A$0.7450 price.
Bear case: the Asset-Based group reads lowest at A$0.2000, and 8 of the 15 models stay below the price. Data coverage for this calculation is low.
Scenario range: A$0.6700 (bear) to A$1.40 (bull), the price of A$0.7450 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 52/100 (solid quality), in the Technology sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Tyro Payments Ltd reported revenue of A$489M in FY2026 versus A$326M in FY2022, a compound +10.7%/yr. Reported net income was A$21.3M in FY2026.
Key figures
Market cap A$398M (≈ $274M) Micro · P/E ratio 18.6 · P/S ratio 0.82 · EPS (TTM) A$0.0400 · Net margin 4.4% · Return on equity 9.0% · Return on assets (EBIT) 4.3% (5-year average) · Operating margin 2.6%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 39 out of 100 (low confidence).
What moves the price
The share trades about 31% below its 52-week high and 13% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Technology peers we cover trades at −11% fair-value upside, at 32%, TYR screens cheaper than that median.
Fair Value models
BearA$0.6700Fair Value A$0.9800BullA$1.40
Price A$0.7450 · Upside +31.5%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2026 figures (about 4 months old). Earnings retained since then (A$0.0145 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.58/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+3.5%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+3.8%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+16.0%
Start year 2021 (pandemic). Over 10 years: +17.8% a year
Revenue growth 10 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+17.8%
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What shareholders gained per year (last 3 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 3 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+10.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year+10.6%
Dividend (yield on the price)0.0%
Profit margin 2021 to 2026 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.−9% → 5%
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Software - Infrastructure · 346 stocks
Beats the industry median on 7/11 measures
Overall it ranks above its industry peers.
Valuation
Quality Score52 · Below median
Fair Value upside+31.5% · Top 25%
Profitability
Return on equity (12 months)9.0% · Above median
Return on assets4.4% · Above median
Net margin (12 months)4.4% · Below median
Operating margin (12 months)2.6% · Below median
Growth and dividend
Revenue growth (quarter YoY)0.3% · Below median
Valuation Multiplesvs Software - Infrastructure median · lower = cheaper
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Is Tyro Payments Ltd (TYR) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of A$0.9800 versus a price of A$0.7450, about +32% upside (undervalued).
What is the fair value of TYR?
Our model-based fair value for Tyro Payments Ltd is A$0.9800 (as of Nov 8, 2026), built from audited fundamentals. The current price: A$0.7450.
What is the quality score of TYR?
Tyro Payments Ltd has a Quality Score of 52/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Tyro Payments Ltd (TYR)?
Our model-based price target is the fair value of A$0.9800 (as of Nov 8, 2026) from 15 valuation models. Cautious scenario A$0.6700, optimistic scenario A$1.40. It is a calculation from audited fundamentals, not an analyst target.
What is the Tyro Payments Ltd stock forecast for 2026?
Our models put fair value at A$0.9800, about +32% upside versus a price of A$0.7450 (undervalued). Cautious scenario A$0.6700, optimistic scenario A$1.40. The calculation is refreshed regularly with new filings.
What is the revenue of Tyro Payments Ltd (TYR)?
Tyro Payments Ltd reported trailing-twelve-month revenue of about A$489M (latest available figure, as of Nov 8, 2026).
What is the intrinsic value of Tyro Payments Ltd (TYR)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Tyro Payments Ltd it is A$0.9800 per share (as of Nov 8, 2026), against a price of A$0.7450. It is the blended result of 15 valuation models in 6 families (DCF Models, Earnings-Based, Multiples, Asset-Based, Economic Profit, Growth Earnings).
Is Tyro Payments Ltd stock overvalued or undervalued in 2026?
As of Nov 8, 2026, TYR trades below its calculated fair value: price A$0.7450, fair value A$0.9800, a gap of about +32% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of TYR?
No. The price is what the market pays today (A$0.7450); the fair value is what the company's own numbers justify (A$0.9800). For Tyro Payments Ltd the two are A$0.2350 per share apart. That gap is exactly why we show both numbers side by side.
How much is Tyro Payments Ltd worth?
The market values Tyro Payments Ltd at about A$398M (market capitalisation, as of Nov 8, 2026). Per share that is A$0.7450; our models calculate a fair value of A$0.9800 per share.
What do the bullish and bearish scenarios say about TYR?
Our models span a range for Tyro Payments Ltd: cautious scenario A$0.6700, base A$0.9800, optimistic A$1.40 per share (as of Nov 8, 2026, price A$0.7450). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of TYR?
Tyro Payments Ltd trades at a price-to-earnings ratio of 18.6 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of A$0.9800 is built from several models across several years. Other multiples: P/B 1.6, P/S 0.8, EV/EBITDA 5.6.
How solid is the balance sheet of Tyro Payments Ltd (TYR)?
Balance-sheet figures for Tyro Payments Ltd (as of Nov 8, 2026): return on equity 9.0%. They feed the Quality Score of 52/100, which measures business quality independently of the share price.
How far is TYR from its 52-week high?
Tyro Payments Ltd trades at A$0.7450, about 31% below its 52-week high of A$1.08 and 13% above the low of A$0.6600 (as of Nov 9, 2026). Distance from the high says nothing about value: that is what the fair value of A$0.9800 is for.
Which stocks are comparable to Tyro Payments Ltd?
From the same area (Technology) we also value Microsoft Corporation, Oracle Corporation, Palantir Technologies Inc, Palo Alto Networks, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Tyro Payments Ltd stock attractive at the current price?
The data as of Nov 8, 2026: price A$0.7450, calculated fair value A$0.9800 (+32%), Quality Score 52/100, from 15 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of TYR calculated?
We run Tyro Payments Ltd through 15 models from 6 families: DCF Models, Earnings-Based, Multiples, Asset-Based, Economic Profit, Growth Earnings. Every model gets the same audited fundamentals; the fair value of A$0.9800 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Tyro Payments Ltd currently trades 24% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Tyro Payments Ltd (TYR)?
The closing price on Nov 9, 2026 was A$0.7450. Our model-based fair value is A$0.9800, about +32% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Tyro Payments Ltd right now?
The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid quality (52/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range (A$0.6700 to A$1.40) leaves room in how you read the outcome.
Key figures of Tyro Payments Ltd
How large is the market capitalisation of Tyro Payments Ltd (TYR)?
The market capitalisation of Tyro Payments Ltd is A$398M (≈ $274M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Tyro Payments Ltd (TYR)?
The price-to-sales ratio of Tyro Payments Ltd is 0.82 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Tyro Payments Ltd (TYR)?
Earnings per share at Tyro Payments Ltd are A$0.0400 (price ÷ EPS = P/E 18.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Tyro Payments Ltd (TYR)?
The net margin of Tyro Payments Ltd is 4.4% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Tyro Payments Ltd (TYR)?
The return on equity (ROE) of Tyro Payments Ltd is 9.0% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Tyro Payments Ltd (TYR)?
On an EBIT basis the return on assets of Tyro Payments Ltd is 4.3% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Tyro Payments Ltd (TYR)?
The operating margin of Tyro Payments Ltd is 2.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Tyro Payments Ltd (TYR)?
Revenue at Tyro Payments Ltd is growing +0.3% versus a year earlier (3y avg +3.8%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Tyro Payments Ltd (TYR)?
Earnings per share at Tyro Payments Ltd are growing −52.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Tyro Payments Ltd (TYR) generate?
The free cash flow of Tyro Payments Ltd is −A$67.3M (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Tyro Payments Ltd (TYR) hold?
Tyro Payments Ltd holds more cash than debt, A$59.0M net (fiscal year 2026). The company holds more cash than debt, a safety cushion.
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Thin data
Nov 8, 2026