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Tyro PaymentsASX:TYR +1.71%76 Cash-to-Debt is 3.58 as of Dec. 2025, which is 57% above its 10-year median of 2.28. GuruFocus rates ASX:TYR with a GF Score™ of 76/100 and a GF Value™ of A$1.09 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 2,849 Software companies, Tyro Payments ranks better than 54.58% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Tyro Payments's cash to debt ratio for the quarter that ended in Dec. 2025 was 3.58.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, Tyro Paymentscould pay off its debt using the cash in hand for the quarter that ended in Dec. 2025.
The historical rank and industry rank for Tyro Payments's Cash-to-Debt or its related term are showing as below:
ASX:TYR'
s Cash-to-Debt Range Over the Past 10 Years
Min: 1.39 Med: 2.28 Max: 31.84
Current: 3.58
During the past 7 years, Tyro Payments's highest Cash to Debt Ratio was 31.84. The lowest was 1.39. And the median was 2.28.
ASX:TYR's Cash-to-Debt is ranked better than 54.58% of 2849
companies
in the Software industry
Industry Median: 2.57
vs ASX:TYR: 3.58
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Tyro Payments Cash-to-Debt Related Terms
Tyro Payments Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Tyro Payments's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
ASX:TYR vs MSFT, ORCL, PLTR: Cash-to-Debt Comparison
For the Software - Infrastructure subindustry, Tyro Payments's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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 Cash-to-Debt vs Software Industry
For the Software industry and Technology sector, Tyro Payments's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Tyro Payments's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Tyro Payments (ASX:TYR) has a Cash-to-Debt of 3.58 as of Dec. 2025. This is 57% above median its historical median of 2.28. Over the past decade, Tyro Payments' Cash-to-Debt has ranged from 1.39 to 31.84. According to the industry distribution chart, Tyro Payments ranks #1294 out of 2849 companies in the Software industry, placing it in the top 45.4%.
Is Tyro Payments' Cash-to-Debt too high?
Tyro Payments' current Cash-to-Debt of 3.58 is 57% above median its 10-year median of 2.28. Over the past 10 years, this metric has ranged from a low of 1.39 to a high of 31.84. The Software industry median Cash-to-Debt is 2.57. Tyro Payments' value of 3.58 is 39.3% above this industry median. Based on the distribution chart, Tyro Payments ranks #1294 out of 2849 companies in the Software industry, which is above the industry midpoint. Overall, Tyro Payments has a GF Score™ of 76/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Tyro Payments' Cash-to-Debt compare to MSFT and ORCL?
According to the Software industry distribution chart, Tyro Payments ranks #1294 out of 2849 companies for Cash-to-Debt. This puts Tyro Payments in the upper half of its industry. The industry median Cash-to-Debt is 2.57. Tyro Payments' value of 3.58 is 39.3% above this benchmark. Historically, Tyro Payments' own Cash-to-Debt has ranged from 1.39 to 31.84 over the past decade. While the company's 10-year median is 2.28 vs. the industry median of 2.57, 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 Cash-to-Debt for a Software company?
The median Cash-to-Debt among Software companies is 2.57, based on 2,849 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Tyro Payments's current Cash-to-Debt of 3.58 is 39.3% 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 Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Software industry, the median Cash-to-Debt is 2.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tyro Payments's current Cash-to-Debt is 3.58, which is 57% above median its own 10-year median of 2.28. 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 Cash-to-Debt is 3.58, which is 57% above median its 10-year median of 2.28 and 39.3% above the Software industry median of 2.57. Tyro Payments' overall GF Score™ is 76/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Tyro Payments (ASX:TYR), the current Cash-to-Debt is 3.58 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:
Cash-to-Debt: 3.58 (57% above median its 10-year median of 2.28)
GF Value™: A$1.09 vs. price of A$0.89 (18.3% below fair value)
Industry Position: 39.3% above the Software median (#1294 of 2849)
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.
76GF Score
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