Tyro PaymentsASX:TYR +2.47%80 Debt-to-EBITDA is 0.33 as of Dec. 2025, which is 25% below its 10-year median of 0.44. GuruFocus rates ASX:TYR with a GF Score™ of 80/100 and a GF Value™ of A$1.09 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 1,702 Software companies, Tyro Payments ranks better than 70.86% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Tyro Payments's Debt-to-EBITDA or its related term are showing as below:
ASX:TYR'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -0.26 Med: 0.44 Max: 4.18
Current: 0.36
During the past 7 years, the highest Debt-to-EBITDA Ratio of Tyro Payments was 4.18. The lowest was -0.26. And the median was 0.44.
ASX:TYR's Debt-to-EBITDA is ranked better than 70.86% of 1702
companies
in the Software industry
Industry Median: 1.085
vs ASX:TYR: 0.36
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Tyro Payments Debt-to-EBITDA Related Terms
Tyro Payments Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Tyro Payments's Debt-to-EBITDA 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.
ASX:TYR vs MSFT, ORCL, PLTR: Debt-to-EBITDA Comparison
For the Software - Infrastructure subindustry, Tyro Payments's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Debt-to-EBITDA vs Software Industry
For the Software industry and Technology sector, Tyro Payments's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Tyro Payments's Debt-to-EBITDA 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is two times the quarterly (Dec. 2025) EBITDA data.
Tyro Payments (ASX:TYR) has a Debt-to-EBITDA of 0.33 as of Dec. 2025. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Tyro Payments. This is 25% below median its historical median of 0.44. According to the industry distribution chart, Tyro Payments ranks #496 out of 1702 companies in the Software industry, placing it in the top 29.1%.
Is Tyro Payments' Debt-to-EBITDA too high?
Tyro Payments' current Debt-to-EBITDA of 0.33 is 25% below median its 10-year median of 0.44. The Software industry median Debt-to-EBITDA is 1.09. Tyro Payments' value of 0.33 is 69.6% below this industry median. Based on the distribution chart, Tyro Payments ranks #496 out of 1702 companies in the Software industry, which is above the industry midpoint. Overall, Tyro Payments has a GF Score™ of 80/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Tyro Payments' Debt-to-EBITDA compare to MSFT and ORCL?
According to the Software industry distribution chart, Tyro Payments ranks #496 out of 1702 companies for Debt-to-EBITDA. This puts Tyro Payments in the upper half of its industry. The industry median Debt-to-EBITDA is 1.09. Tyro Payments' value of 0.33 is 69.6% below this benchmark. While the company's 10-year median is 0.44 vs. the industry median of 1.09, Tyro Payments has consistently been below 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 Debt-to-EBITDA for a Software company?
The median Debt-to-EBITDA among Software companies is 1.09, based on 1,702 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Tyro Payments's current Debt-to-EBITDA of 0.33 is 69.6% 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 Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Tyro Payments. For the Software industry, the median Debt-to-EBITDA is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tyro Payments's current Debt-to-EBITDA is 0.33, which is 25% below median its own 10-year median of 0.44. 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$0.83 — trading 23.9% below its estimated fair value. The current Debt-to-EBITDA is 0.33, which is 25% below median its 10-year median of 0.44 and 69.6% below the Software industry median of 1.09. Tyro Payments' overall GF Score™ is 80/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Tyro Payments (ASX:TYR), the current Debt-to-EBITDA is 0.33 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$0.83 is trading 23.9% below its estimated GF Value™ of A$1.09.
GuruFocus considers Tyro Payments to be Modestly Undervalued.
Key valuation signals for ASX:TYR:
Debt-to-EBITDA: 0.33 (25% below median its 10-year median of 0.44)
GF Value™: A$1.09 vs. price of A$0.83 (23.9% below fair value)
Industry Position: 69.6% below the Software median (#496 of 1702)
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.
80GF Score
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