Full Year 2025 Tyro Payments Ltd Earnings Call Transcript

Aug 25, 2025 / 11:30 PM GMT

Release Date Price: $0.58215

Transcript

Key Points

Positve

Tyro Payments Ltd (TYPMF) delivered top-line growth and margin expansion in line with FY25 guidance, achieving a gross profit of $220.1 million and an EBITDA margin of 28%.
The company has seen a significant increase in active banking accounts, growing by 43% to almost 11,000, and a 15% increase in lending originations, reflecting stronger penetration across a larger group of merchants.
Tyro Payments Ltd (TYPMF) has expanded its addressable market by over $40 billion by targeting new verticals such as pet insurance, aged care, and automotive, leveraging its unique capabilities and industry partnerships.
The company has successfully launched a new banking platform with partner Konstantinople, expected to drive adoption rates above 50% and for banking to represent 20% of total gross profit.
AI integration has led to improved operational efficiency, with a 10% reduction in average call duration and a 50% reduction in average time to close a chat, enhancing customer satisfaction.

Negative

Despite overall growth, Tyro Payments Ltd (TYPMF) faced challenges with softer consumer spending and elevated levels of business closures, particularly impacting discretionary verticals like hospitality and retail.
The company experienced inconsistent transaction value growth throughout FY25, with several months of negative growth due to economic headwinds.
There is ongoing competition in discretionary verticals, which has affected transaction value growth and merchant churn rates.
The Bendigo book, part of Tyro Payments Ltd (TYPMF)'s portfolio, saw a decline in transaction value, although it remains a small portion of the overall business.
The macroeconomic environment remains uncertain, with potential risks from continued softness in consumer spending and business closures, which could impact future growth projections.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

TYR.AX - Tyro Payments Ltd
Full Year 2025 Tyro Payments Ltd Earnings Call
Aug 25, 2025 / 11:30PM GMT

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Presentation
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Operator [1]
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Excuse me.

Thank you for your patience.

The call will begin in a few minutes to give parties time to join.

Thank you.

Thank you for standing by and welcome to the tie rope payments Limited FY25 results.

All participants are in a listen-only mode.

There will be a presentation followed by a question and answer session.

If you wish to ask a question, you will need to press the star key, followed by the number one on your telephone keypad.

I would now like to hand the conference over to Mr.

Mar Martin Adam.

Head of investor relations

Please go ahead

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