Tyro PaymentsASX:TYR +1.91%80 Quick Ratio is 1.25 as of Dec. 2025, which is 11% above its 10-year median of 1.13. GuruFocus rates ASX:TYR with a GF Score™ of 80/100 and a GF Value™ of A$1.08 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 2,864 Software companies, Tyro Payments ranks worse than 65.08% on this metric.
The quick ratio measures a company's ability to meet its short-term obligations with its most liquid assets. It is calculated as a company's Total Current Assets excludes Total Inventories divides by its Total Current Liabilities. Tyro Payments's quick ratio for the quarter that ended in Dec. 2025 was 1.25.
Tyro Payments has a quick ratio of 1.25. It generally indicates good short-term financial strength.
The historical rank and industry rank for Tyro Payments's Quick Ratio or its related term are showing as below:
ASX:TYR'
s Quick Ratio Range Over the Past 10 Years
Min: 0.92 Med: 1.13 Max: 3.37
Current: 1.25
During the past 7 years, Tyro Payments's highest Quick Ratio was 3.37. The lowest was 0.92. And the median was 1.13.
ASX:TYR's Quick Ratio is ranked worse than 65.08% of 2864
companies
in the Software industry
Industry Median: 1.7
vs ASX:TYR: 1.25
Tyro Payments (ASX:TYR) Quick Ratio Explanation
The quick ratio is more conservative than the Current Ratio because it excludes inventories from current assets. The ratio derives its name presumably from the fact that assets such as cash and marketable securities are quick sources of cash. Inventories generally take time to be converted into cash, and if they have to be sold quickly, the company may have to accept a lower price than book value of these inventories. As a result, they are justifiably excluded from assets that are ready sources of immediate cash.
In general, low or decreasing quick ratios generally suggest that a company is over-leveraged, struggling to maintain or grow sales, paying bills too quickly or collecting receivables too slowly. On the other hand, a high or increasing quick ratio generally indicates that a company is experiencing solid top-line growth, quickly converting receivables into cash, and easily able to cover its financial obligations. Such companies often have faster inventory turnover and cash conversion cycles.
The higher the quick ratio, the better the company's liquidity position.
Tyro Payments Quick Ratio Related Terms
Tyro Payments Quick Ratio Historical Data
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The historical data trend for Tyro Payments's Quick 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.
ASX:TYR vs MSFT, ORCL, PLTR: Quick Ratio Comparison
For the Software - Infrastructure subindustry, Tyro Payments's Quick Ratio, along with its competitors' market caps and Quick 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 Quick Ratio vs Software Industry
For the Software industry and Technology sector, Tyro Payments's Quick Ratio distribution charts can be found below:
* The bar in red indicates where Tyro Payments's Quick Ratio falls into.
The quick ratio measures a company's ability to meet its short-term obligations with its most liquid assets. For this reason, the ratio excludes inventories from current assets.
Tyro Payments's Quick Ratio for the fiscal year that ended in Jun. 2025 is calculated as
* 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 Quick Ratio of 1.25 as of Dec. 2025. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Tyro Payments and its competitors. This is 11% above median its historical median of 1.13. Over the past decade, Tyro Payments' Quick Ratio has ranged from 0.92 to 3.37. According to the industry distribution chart, Tyro Payments ranks #1864 out of 2864 companies in the Software industry, placing it in the top 65.1%.
Is Tyro Payments' Quick Ratio too high?
Tyro Payments' current Quick Ratio of 1.25 is 11% above median its 10-year median of 1.13. Over the past 10 years, this metric has ranged from a low of 0.92 to a high of 3.37. The Software industry median Quick Ratio is 1.70. Tyro Payments' value of 1.25 is 26.5% below this industry median. Based on the distribution chart, Tyro Payments ranks #1864 out of 2864 companies in the Software industry, which is below 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' Quick Ratio compare to MSFT and ORCL?
According to the Software industry distribution chart, Tyro Payments ranks #1864 out of 2864 companies for Quick Ratio. This places Tyro Payments in the lower half of its industry. The industry median Quick Ratio is 1.70. Tyro Payments' value of 1.25 is 26.5% below this benchmark. Historically, Tyro Payments' own Quick Ratio has ranged from 0.92 to 3.37 over the past decade. While the company's 10-year median is 1.13 vs. the industry median of 1.70, 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 Quick Ratio for a Software company?
The median Quick Ratio among Software companies is 1.70, based on 2,864 companies in the industry. Companies in the top quartile (top 25%) have a Quick Ratio significantly above this median, while those in the bottom quartile fall well below. However, Quick Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Tyro Payments's current Quick Ratio of 1.25 is 26.5% 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 Quick Ratio mean?
A high Quick Ratio can signal that a stock is expensive relative to its fundamentals. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Tyro Payments and its competitors. For the Software industry, the median Quick Ratio is 1.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tyro Payments's current Quick Ratio is 1.25, which is 11% above median its own 10-year median of 1.13. 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$1.08, compared to a current price of A$0.80 — trading 25.9% below its estimated fair value. The current Quick Ratio is 1.25, which is 11% above median its 10-year median of 1.13 and 26.5% below the Software industry median of 1.70. 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 Quick Ratio calculated?
Quick Ratio is calculated from a company's financial statements. For Tyro Payments (ASX:TYR), the current Quick Ratio is 1.25 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$0.80 is trading 25.9% below its estimated GF Value™ of A$1.08.
GuruFocus considers Tyro Payments to be Modestly Undervalued.
Key valuation signals for ASX:TYR:
Quick Ratio: 1.25 (11% above median its 10-year median of 1.13)
GF Value™: A$1.08 vs. price of A$0.80 (25.9% below fair value)
Industry Position: 26.5% below the Software median (#1864 of 2864)
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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