)
)
Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Tyro Payments
Tyro Payments (TYR) investor relations material
Tyro Payments H2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H2 2026 earnings summary24 Aug, 2026
Executive summary
Delivered strong FY26 results, meeting guidance with higher earnings, improved profitability, and robust cash generation, driven by focused investments in health, banking, enterprise, and e-commerce.
Multi-product adoption and platform investments enhanced customer economics and shareholder returns.
Expanded distribution and realigned sales teams to target priority growth markets.
Significant market opportunity remains, with only 3% penetration of the AUD 1 trillion Australian payments market.
Platform integration, local expertise, and scale underpin a differentiated competitive position.
Financial highlights
Gross profit rose 5.3% to AUD 231.8 million year-over-year; EBITDA increased 8.6% to AUD 66.9 million, with margin expanding to 28.9%.
Free cash flow surged 49.5% to AUD 29.4 million.
Total transaction value (TTV) grew 2.9% to AUD 44.3 billion.
Normalised profit before tax grew 40% to AUD 24.7 million.
Banking gross profit climbed 23% to AUD 16.5 million, with customer deposits up 27.3% and loan originations up 19.4%.
Outlook and guidance
FY27 normalized gross profit expected between AUD 240 million and AUD 255 million.
Normalized EBITDA margin forecasted at 28.5%-30.5%.
Focus on core TTV growth, improved merchant retention, and higher banking adoption.
Anticipates payments growth, normalization in health segment post-bulk billing changes, and further banking adoption.
Guidance incorporates regulatory changes to surcharging and interchange, with a prudent macroeconomic outlook.
Partial view of Summaries dataset, powered by Quartr API
AI can get things wrong. Verify important information.Research faster. Power your platform.
Latest events from Tyro Payments
- RBA reforms end card surcharging and lower fees, driving transparency and competition.TYR
Investor update - EBITDA up 19.8% and statutory profit before tax up 72.3% on strong payments growth.TYRH1 2026
- Profit grew 4.4%, margins improved, new CEO appointed, and capital retained for growth.TYRAGM 2025
- Gross profit and EBITDA margin rose, with new verticals and banking growth driving FY26 outlook.TYRH2 2025
- RBA's reforms boost transparency and merchant opportunities with no margin impact expected.TYRInvestor Update
- Strong FY24 results, innovation, and governance reforms set a positive outlook for FY25.TYRAGM 2024
- Net profit quadrupled and free cash flow soared, with strong FY25 growth and margin guidance.TYRH2 2024
- Gross profit and EBITDA surged, with health and banking growth and FY25 guidance reaffirmed.TYRH1 2025
Next Tyro Payments earnings date
AGM 202625 Nov, 2026
Tyro Payments
Next Tyro Payments earnings date
AGM 202625 Nov, 2026
AI chat
Ask anything. Verify everything.
Ask across every event and document from public companies. Each answer links back to the exact line in the transcript, slide or filing it came from.Learn moreFind what matters
AI across all first-party IR material. Live calls, transcripts, slides, filings.)
Trust every finding
50m+ first-party documents. Every output traceable to its source.Find what matters
AI across all first-party IR material. Live calls, transcripts, slides, filings.Trust every finding
50m+ first-party documents. Every output traceable to its source.Automations
Zero in on what matters
Define the prompt once. It runs the moment a company publishes or on a schedule you set. Outputs map to the exact signals you choose.Learn more)
Event-triggered research
Runs when a company publishes new material. Trigger on the first published document for the earliest possible run, or wait for a specific one.)
Scheduled research
Runs on a recurring cadence you set. Daily, weekly, monthly, or quarterly, for aggregate reads across a period rather than a single event.Event-triggered research
Runs when a company publishes new material. Trigger on the first published document for the earliest possible run, or wait for a specific one.Scheduled research
Runs on a recurring cadence you set. Daily, weekly, monthly, or quarterly, for aggregate reads across a period rather than a single event.Live audio & transcripts
Be first
Join any earnings call live in one click, with no manual registration. Follow the transcript as it happens and jump straight to the moments that matter.Learn more)
Live earnings calls
Join any call in one click. The audio keeps playing while you work elsewhere in Quartr.)
Live transcripts
Speaker-by-speaker, in real time. Searchable across every live and historical call.Live earnings calls
Join any call in one click. The audio keeps playing while you work elsewhere in Quartr.Live transcripts
Speaker-by-speaker, in real time. Searchable across every live and historical call.Quartr MCP connects your AI environment to 17K+ public companies
Pull live transcripts, filings, and slides into Claude or Codex via MCP. Combine Quartr's global IR data with any other dataset. Run agentic research and monitoring.
Included with Quartr Pro at no extra cost.Learn more
Quartr's AI stands out because it only pulls clean, first-party data from public companies. In investing, that's everything.
Jamie Ross
Investment Manager, GAM Investments
GAM
GAM
Research that used to take hours now takes seconds with Quartr Pro. Tracking shifts in tone or extracting tables, it's as simple as typing a query.
Tom O'Hara
Investment Director
Ciena
Ciena
Before Quartr we spent hours manually compiling insights through the peer earnings cycle. Now, these tasks are done faster, with greater precision.
Gregg Lampf
VP of Investor Relations
Protean
Protean
Being able to ask specific questions across years of transcripts and reports and instantly get verified answers is a game-changer.
Pontus Dackmo
CEO & Investment Manager
)
)
Frequently asked questions
Australian Payment Solutions
Tyro Payments is an Australian financial technology operating primarily in their home country. The company offers a suite no products and services tailored to the needs of the local business community, including EFTPOS (Electronic Funds Transfer at Point of Sale) machines, banking solutions, and integrated payment systems. The company aims to compete with larger and more traditional banks through having a focus on small and medium-sized enterprises.
A Young Company
The company was founded in 2003 and quickly embarked on a journey of growth. It became just the second company ever in Australia to receive a license as a Specialist Credit Card institution, with the first being a subsidiary of GE. Tyro was, and still is, focused on serving customers who might need a more tailored or smaller-scale Point of Sale (POS) solution than what traditional providers can offer. Tyro started out primarily offering merchant services, but as the company evolved its ambitions also expanded. The company was granted a banking license in 2015, and today offers various types of bank accounts.
How it Works
Tyro’s solutions are all-encompassing and take care of the entire transaction process from start to finish. After a merchant integrates Tyro's payment solutions with their existing systems, be it a physical POS or an online platform, they are ready to receive payments. When a customer makes a payment either by card or through an online marketplace, the transaction is processed securely through Tyro's infrastructure, eventually making its way into the merchant's accounts. Tyro offers online payment solutions as well as physical card readers (EFTPOS) for customers.
Further reading: The Payments Value Chain: A Complex Ecosystem
Tyro operates in a competitive environment but is one of the largest payment providers in Australia. Some publicly traded companies offering similar services to merchants and marketplaces include names like Toast and Lightspeed.
Offering insights
Post-transaction, Tyro ensures prompt settlements. Merchants receive their funds swiftly, and automatically, removing as much manual work as possible through automation. Users have access to the Tyro portal, an online platform where merchants can access transaction data, insights, and reports, providing a comprehensive overview of their financial activities.