Tyro Payments is an Australian financial technology company engaged in providing routing payments solutions and business banking products to merchants. The firm mainly caters to small to medium-size enterprises in the hospitality, retail and health sectors. It is also expanding its reach into the trade, accommodation and services verticals. Tyro's value propositions include extensive industry-specific solutions, ease of integration with point-of-sale systems, broad acceptance of payment types and a variety of ancillary features. Despite Tyro's historic focus on in-store sales, it is also building up online gateways to facilitate e-commerce transactions and build out a multichannel payment solution. Geographically, it operates only in Australia.

Financial Strength

5/10

Name	Current	Vs Industry
Cash-To-Debt	2
Equity-to-Asset	0.41
Debt-to-Equity	0.17
Debt-to-EBITDA	0.64
Interest Coverage	0.19
Piotroski F-Score	7/9	0 1 2 3 4 5 6 7 8 9
Altman Z-Score	1.61	Distress Grey Safe
Beneish M-Score	-2.57	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	22.5
	3-Year Book Growth Rate	-3.5
	Future 3-5Y EPS without NRI Growth Rate	46.47
	Future 3-5Y Total Revenue Growth Rate	8.41

Momentum Rank

5/10

	Name	Current	Vs Industry		Vs History

Liquidity Ratio

	Name	Current	Vs Industry		Vs History
	Current Ratio	1.03
	Quick Ratio	1.02
	Cash Ratio	0.36
	Days Inventory	2.52
	Days Sales Outstanding	45.41
	Days Payable	57.85

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	3-Year Average Share Buyback Ratio	-1.4
	Shareholder Yield %	0.33

Profitability Rank

3/10

	Name	Current	Vs Industry		Vs History
	Gross Margin %	45.1
	Operating Margin %	0.17
	Net Margin %	2.25
	FCF Margin %	7.72
	ROE %	5.71
	ROA %	2.28
	ROIC %	0.3
	ROC (Joel Greenblatt) %	14.6
	ROCE %	3.79
	Years of Profitability over Past 10-Year	1

GF Value Rank

2/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	45.53
	Forward PE Ratio	35.46
	PE Ratio without NRI	16.02
	Price-to-Owner-Earnings	15.45
	PS Ratio	1.05
	PB Ratio	2.45
	Price-to-Tangible-Book	5.41
	Price-to-Free-Cash-Flow	13.52
	Price-to-Operating-Cash-Flow	10.06
	EV-to-EBIT	40.14
	EV-to-EBITDA	8.4
	EV-to-Revenue	0.94
	EV-to-FCF	12.19
	Price-to-Graham-Number	1.96
	Earnings Yield (Greenblatt) %	2.49
	FCF Yield %	7.63

GF Value: $9.39

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