Tyro PaymentsTYPMF -9.22%54 Interest Coverage is 13.90 as of Dec. 2025, which is 643% above its 10-year median of 1.87. GuruFocus rates TYPMF with a GF Score™ of 54/100 and a GF Value™ of $0.68 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 1,706 Software companies, Tyro Payments ranks worse than 82.59% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
Operating Income
by its Interest Expense. Tyro Payments's
Operating Income
for the
six
months ended in Dec. 2025 was $11.6 Mil. Tyro Payments's Interest Expense for the
six
months ended in Dec. 2025 was $-0.8 Mil.
Tyro Payments's interest coverage for the quarter that ended in Dec. 2025 was 13.90.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Tyro Payments's Interest Coverage or its related term are showing as below:
TYPMF'
s Interest Coverage Range Over the Past 10 Years
Min: 1.39 Med: 1.87 Max: 3.72
Current: 3.72
TYPMF's Interest Coverage is ranked worse than 82.59% of 1706
companies
in the Software industry
Industry Median: 24.695
vs TYPMF: 3.72
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Tyro Payments Interest Coverage Related Terms
Tyro Payments Interest Coverage Historical Data
* Premium members only.
The historical data trend for Tyro Payments's Interest Coverage 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: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
TYPMF vs MSFT, ORCL, PLTR: Interest Coverage Comparison
For the Software - Infrastructure subindustry, Tyro Payments's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Software Industry
For the Software industry and Technology sector, Tyro Payments's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Tyro Payments's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 (TYPMF) has a Interest Coverage of 13.90 as of Dec. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Tyro Payments and its competitors. This is 643% above median its historical median of 1.87. Over the past decade, Tyro Payments' Interest Coverage has ranged from 1.39 to 3.72. According to the industry distribution chart, Tyro Payments ranks #1409 out of 1706 companies in the Software industry, placing it in the top 82.6%.
Is Tyro Payments' Interest Coverage too high?
Tyro Payments' current Interest Coverage of 13.90 is 643% above median its 10-year median of 1.87. Over the past 10 years, this metric has ranged from a low of 1.39 to a high of 3.72. The Software industry median Interest Coverage is 24.70. Tyro Payments' value of 13.90 is 43.7% below this industry median. Based on the distribution chart, Tyro Payments ranks #1409 out of 1706 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, Tyro Payments has a GF Score™ of 54/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Tyro Payments' Interest Coverage compare to MSFT and ORCL?
According to the Software industry distribution chart, Tyro Payments ranks #1409 out of 1706 companies for Interest Coverage. This places Tyro Payments in the lower half of its industry. The industry median Interest Coverage is 24.70. Tyro Payments' value of 13.90 is 43.7% below this benchmark. Historically, Tyro Payments' own Interest Coverage has ranged from 1.39 to 3.72 over the past decade. While the company's 10-year median is 1.87 vs. the industry median of 24.70, 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 Interest Coverage for a Software company?
The median Interest Coverage among Software companies is 24.70, based on 1,706 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Tyro Payments's current Interest Coverage of 13.90 is 43.7% 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Tyro Payments and its competitors. For the Software industry, the median Interest Coverage is 24.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tyro Payments's current Interest Coverage is 13.90, which is 643% above median its own 10-year median of 1.87. 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 (TYPMF) is currently considered Modestly Undervalued. The stock's GF Value™ is $0.68, compared to a current price of $0.53 — trading 22.1% below its estimated fair value. The current Interest Coverage is 13.90, which is 643% above median its 10-year median of 1.87 and 43.7% below the Software industry median of 24.70. Tyro Payments' overall GF Score™ is 54/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Tyro Payments (TYPMF), the current Interest Coverage is 13.90 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 (TYPMF) Overvalued in 2026?
Based on GuruFocus' analysis, Tyro Payments stock appears to be undervalued.
The current stock price of $0.53 is trading 22.1% below its estimated GF Value™ of $0.68.
GuruFocus considers Tyro Payments to be Modestly Undervalued.
Key valuation signals for TYPMF:
Interest Coverage: 13.90 (643% above median its 10-year median of 1.87)
GF Value™: $0.68 vs. price of $0.53 (22.1% below fair value)
Industry Position: 43.7% below the Software median (#1409 of 1706)
No single metric tells the full story. See the TYPMF 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.
54GF Score
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