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Tyro Payments
Tyro Payments (TYR) investor relations material
Tyro Payments H1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2026 earnings summary23 Feb, 2026
Executive summary
Achieved strong half-year results with gross profit up 5.0% to $117.6 million, driven by increased payment volumes, product enhancements, and disciplined operations.
EBITDA increased 19.8% to $39.5 million (margin 33.6%), and statutory profit before tax surged 72.3% to $17.7 million, reflecting operational leverage and cost control.
Acquisition of Thriday deepens integrated SME offering, adding automated invoicing, expense management, and tax tools.
Focused investment in growth opportunities across health, banking, e-commerce, and larger merchants, with improved customer value and retention.
Launched new transaction account and lending product, supporting multi-product adoption and increased customer lifetime value.
Financial highlights
Core payment volumes (TTV) grew 5.6% year-over-year to $22.9 billion, with payments gross profit up 6.0% to $104.1 million.
Gross profit (normalised) increased 5.0% to $117.6 million; banking gross profit up 5.4% to $8.2 million.
EBITDA rose 19.8% to $39.5 million; statutory profit before tax up 72.3% to $17.7 million.
Free cash flow increased 52% to $13.6 million.
Banking segment saw account balances up 28% and loan originations up 19% year-over-year.
Outlook and guidance
FY26 gross profit guidance maintained at $230–$240 million, with EBITDA margin expected at 28.5%–30%.
Second half to see higher OpEx due to salary increases, project/marketing spend, and AML compliance investment.
Confident in full-year delivery despite increased second-half investment.
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Next Tyro Payments earnings date
H2 202624 Aug, 2026
Tyro Payments
Next Tyro Payments earnings date
H2 202624 Aug, 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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