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Tyro PaymentsFRA:3JW 50 Cyclically Adjusted PB Ratio is 1.67 as of Sep. 17, 2026. GuruFocus rates FRA:3JW with a GF Score™ of 50/100 and a GF Value™ of €0.60. The stock has 6 warning signs investors should review. Among 1,464 Software companies, Tyro Payments ranks worse than 68305.94% on this metric.
Tyro Payments (FRA:3JW) Cyclically Adjusted PB Ratio Explanation
Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.
Tyro Payments Cyclically Adjusted PB Ratio Related Terms
Tyro Payments Cyclically Adjusted PB Ratio Historical Data
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The historical data trend for Tyro Payments's Cyclically Adjusted PB Ratio 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.
FRA:3JW vs MSFT, PLTR, ORCL: Cyclically Adjusted PB Ratio Comparison
For the Software - Infrastructure subindustry, Tyro Payments's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio 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 Cyclically Adjusted PB Ratio vs Software Industry
For the Software industry and Technology sector, Tyro Payments's Cyclically Adjusted PB Ratio distribution charts can be found below:
* The bar in red indicates where Tyro Payments's Cyclically Adjusted PB Ratio falls into.
Tyro Payments Cyclically Adjusted PB Ratio Calculation
Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.
Tyro Payments does not have a history long enough to calculate Cyclically Adjusted Book per Share. Therefore GuruFocus does not calculate Cyclically Adjusted PB Ratio for this company.
What does a Cyclically Adjusted PB Ratio of 1.67 mean?
Tyro Payments (FRA:3JW) has a Cyclically Adjusted PB Ratio of 1.67 as of Sep. 17, 2026. Cyclically Adjusted PB Ratio is the ratio of share price to a company's inflation-adjusted book value per share over a 10-year period. View historical data on Tyro Payments and its competitors. According to the industry distribution chart, Tyro Payments ranks #999999 out of 1464 companies in the Software industry.
Is Tyro Payments' Cyclically Adjusted PB Ratio too high?
Tyro Payments' current Cyclically Adjusted PB Ratio is 1.67. The Software industry median Cyclically Adjusted PB Ratio is 2.34. Tyro Payments' value of 1.67 is 28.6% below this industry median. Based on the distribution chart, Tyro Payments ranks #999999 out of 1464 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, Tyro Payments has a GF Score™ of 50/100, reflecting its overall financial health beyond just this single metric.
How does Tyro Payments' Cyclically Adjusted PB Ratio compare to MSFT and PLTR?
According to the Software industry distribution chart, Tyro Payments ranks #999999 out of 1464 companies for Cyclically Adjusted PB Ratio. This places Tyro Payments in the lower half of its industry. The industry median Cyclically Adjusted PB Ratio is 2.34. Tyro Payments' value of 1.67 is 28.6% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted PB Ratio for a Software company?
The median Cyclically Adjusted PB Ratio among Software companies is 2.34, based on 1,464 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Tyro Payments's current Cyclically Adjusted PB Ratio of 1.67 is 28.6% below 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 Cyclically Adjusted PB Ratio mean?
A high Cyclically Adjusted PB Ratio can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted PB Ratio is the ratio of share price to a company's inflation-adjusted book value per share over a 10-year period. View historical data on Tyro Payments and its competitors. For the Software industry, the median Cyclically Adjusted PB Ratio is 2.34 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tyro Payments's current Cyclically Adjusted PB Ratio is 1.67. 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?
Tyro Payments (FRA:3JW) has a current Cyclically Adjusted PB Ratio of 1.67. The stock's GF Value™ is €0.60, compared to a current price of €0.41 — trading 32% below its estimated fair value. The current Cyclically Adjusted PB Ratio is 1.67 and 28.6% below the Software industry median of 2.34. Tyro Payments' overall GF Score™ is 50/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted PB Ratio calculated?
Cyclically Adjusted PB Ratio is calculated from a company's financial statements. For Tyro Payments (FRA:3JW), the current Cyclically Adjusted PB Ratio is 1.67 as of Sep. 17, 2026. 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 (FRA:3JW) Overvalued in 2026?
Based on GuruFocus' analysis, Tyro Payments stock appears to be undervalued.
The current stock price of €0.41 is trading 32% below its estimated GF Value™ of €0.60.
Key valuation signals for FRA:3JW:
Cyclically Adjusted PB Ratio: 1.67
GF Value™: €0.60 vs. price of €0.41 (32% below fair value)
Industry Position: 28.6% below the Software median (#999999 of 1464)
No single metric tells the full story. See the FRA:3JW 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.
50GF Score
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