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Tyro PaymentsASX:TYR +1.71%77 3-Year Book Growth Rate is 11.90% as of Dec. 2025, which is 250% above its 10-year median of 3.40. GuruFocus rates ASX:TYR with a GF Score™ of 77/100 and a GF Value™ of A$1.09 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 2,497 Software companies, Tyro Payments ranks better than 67% on this metric.
During the past 12 months, Tyro Payments's average Book Value per Share Growth Rate was 13.00% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 11.90% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 3.00% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 7 years, the highest 3-Year average Book Value per Share Growth Rate of Tyro Payments was 11.90% per year. The lowest was -3.50% per year. And the median was 3.40% per year.
Tyro Payments (ASX:TYR) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Tyro Payments 3-Year Book Growth Rate Related Terms
ASX:TYR vs MSFT, ORCL, PLTR: 3-Year Book Growth Rate Comparison
For the Software - Infrastructure subindustry, Tyro Payments's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Tyro Payments 3-Year Book Growth Rate vs Software Industry
For the Software industry and Technology sector, Tyro Payments's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Tyro Payments's 3-Year Book Growth Rate falls into.
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 11.90% mean?
Tyro Payments (ASX:TYR) has a 3-Year Book Growth Rate of 11.90% as of Dec. 2025. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Tyro Payments and its competitors. This is 250% above median its historical median of 3.40. According to the industry distribution chart, Tyro Payments ranks #824 out of 2497 companies in the Software industry, placing it in the top 33%.
Is Tyro Payments' 3-Year Book Growth Rate too high?
Tyro Payments' current 3-Year Book Growth Rate of 11.90% is 250% above median its 10-year median of 3.40. The Software industry median 3-Year Book Growth Rate is 5.40. Tyro Payments' value of 11.90% is 120.4% above this industry median. Based on the distribution chart, Tyro Payments ranks #824 out of 2497 companies in the Software industry, which is above the industry midpoint. Overall, Tyro Payments has a GF Score™ of 77/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Tyro Payments' 3-Year Book Growth Rate compare to MSFT and ORCL?
According to the Software industry distribution chart, Tyro Payments ranks #824 out of 2497 companies for 3-Year Book Growth Rate. This puts Tyro Payments in the upper half of its industry. The industry median 3-Year Book Growth Rate is 5.40. Tyro Payments' value of 11.90% is 120.4% above this benchmark. While the company's 10-year median is 3.40 vs. the industry median of 5.40, Tyro Payments has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Software company?
The median 3-Year Book Growth Rate among Software companies is 5.40, based on 2,497 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Tyro Payments's current 3-Year Book Growth Rate of 11.90% is 120.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Tyro Payments and its competitors. For the Software industry, the median 3-Year Book Growth Rate is 5.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tyro Payments's current 3-Year Book Growth Rate is 11.90%, which is 250% above median its own 10-year median of 3.40. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Tyro Payments stock overvalued right now?
Based on GuruFocus' analysis, Tyro Payments (ASX:TYR) is currently considered Modestly Undervalued. The stock's GF Value™ is A$1.09, compared to a current price of A$0.89 — trading 18.3% below its estimated fair value. The current 3-Year Book Growth Rate is 11.90%, which is 250% above median its 10-year median of 3.40 and 120.4% above the Software industry median of 5.40. Tyro Payments' overall GF Score™ is 77/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Tyro Payments (ASX:TYR), the current 3-Year Book Growth Rate is 11.90% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Tyro Payments (ASX:TYR) Overvalued in 2026?
Based on GuruFocus' analysis, Tyro Payments stock appears to be undervalued.
The current stock price of A$0.89 is trading 18.3% below its estimated GF Value™ of A$1.09.
GuruFocus considers Tyro Payments to be Modestly Undervalued.
Key valuation signals for ASX:TYR:
3-Year Book Growth Rate: 11.90% (250% above median its 10-year median of 3.40)
GF Value™: A$1.09 vs. price of A$0.89 (18.3% below fair value)
Industry Position: 120.4% above the Software median (#824 of 2497)
No single metric tells the full story. See the ASX:TYR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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 adjacent new markets such as trade, accommodation and services. 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.
77GF Score
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