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Visual24 Oct 2025
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Tyro Payments (TYR) investor relations material
Tyro Payments H2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H2 2025 earnings summary25 Aug, 2025
Executive summary
FY 2025 saw strong momentum in payments and banking, laying foundations for future growth into FY 2026 with accelerated delivery of strategic initiatives.
Achieved top-line growth and margin expansion in line with guidance, with gross profit of $220.1M and EBITDA margin of 28%.
The business is now more profitable and resilient, with a refined strategic focus and a larger addressable market.
Positioned for profitable growth through entry into new verticals and improved economic outlook.
Financial highlights
Gross profit grew 4.4% year-over-year to $220.1M; EBITDA margin reached 28%, up from 26.4% in FY24.
Net income swung from a $16.1M loss to a $17.7M profit over three years.
Free cash flow for FY 2025 was $19.6M, with strong cash generation despite one-off items.
Payments TTV grew 0.2% to $43B; health segment TTV up 15% to nearly $7.5B.
Statutory net profit before tax was $17.8M, with earnings per share at 3.39 cents.
Outlook and guidance
FY 2026 gross profit guidance set at $230M–$240M, driven by volume growth, not pricing.
EBITDA margin expected between 28.5%–30% for FY 2026.
Optimism for improved trading conditions, especially in discretionary verticals, with new verticals expected to contribute several hundred million in TTV.
Focus remains on leveraging proprietary tech, omni-channel offerings, and expanding addressable market.
New banking platform's impact on deposit growth
AI's role in product innovation and development cycles
New verticals: expected ramp-up and market share
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Next Tyro Payments earnings date
AGM 202526 Nov, 2025
Next Tyro Payments earnings date
AGM 202526 Nov, 2025
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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.
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