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Tyro Payments (TYR) investor relations material
Tyro Payments AGM 2025 summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.AGM 2025 summary26 Nov, 2025
Opening remarks and agenda
Chair welcomed attendees, acknowledged traditional land owners, and outlined technical instructions for virtual participation, focusing on strategic priorities and shareholder outcomes for FY25.
Introduced board members, CEO, CFO, company secretary, leadership team, and audit partner.
Agenda included board update, CEO performance review, formal business, and Q&A.
Financial performance review
Gross profit grew by 4.4% in FY25, reaching AUD 220.1 million, with EBITDA margin improving to 28% from 26.4%.
Net profit before tax was AUD 17.8 million, reversing a prior loss.
Over three years, gross profit CAGR was 14%, expenses grew at 3.7%, and EBITDA CAGR was nearly 80%.
Cost management reduced operating expenses as a percentage of gross profit to 69%.
FY26 guidance targets gross profit of AUD 230–240 million and an EBITDA margin of 28.5–30%.
Board and executive committee updates
CEO Jon Davey announced his departure, with CFO Emma Burke to act as interim CEO until Nigel Lee joins in January 2026.
Nigel Lee appointed as new CEO, bringing over 25 years of global payments and fintech experience.
Board engaged in CEO search, emphasizing leadership and strategic fit.
The leadership team is described as highly experienced and diverse, covering product, technology, health, people, risk, and growth.
Banking book acquisition strategy details
New banking platform's future growth contribution
Nigel Lee's initial strategic focus areas
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Next Tyro Payments earnings date
H1 202624 Feb, 2026
Next Tyro Payments earnings date
H1 202624 Feb, 2026
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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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