Tyro PaymentsTYPMF -9.22%54 Return-on-Tangible-Asset is 8.34% as of Dec. 2025. GuruFocus rates TYPMF with a GF Score™ of 54/100 and a GF Value™ of $0.67 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 2,883 Software companies, Tyro Payments ranks better than 65.59% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Tyro Payments's annualizedNet Income for the quarter that ended in Dec. 2025 was $23.5 Mil. Tyro Payments's average total tangible assets for the quarter that ended in Dec. 2025 was $281.5 Mil. Therefore, Tyro Payments's annualized Return-on-Tangible-Asset for the quarter that ended in Dec. 2025 was 8.34%.
The historical rank and industry rank for Tyro Payments's Return-on-Tangible-Asset or its related term are showing as below:
TYPMF'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -14.47 Med: -4.53 Max: 7.81
Current: 6.3
During the past 7 years, Tyro Payments's highest Return-on-Tangible-Asset was 7.81%. The lowest was -14.47%. And the median was -4.53%.
TYPMF's Return-on-Tangible-Asset is ranked better than 65.59% of 2883
companies
in the Software industry
Industry Median: 2.02
vs TYPMF: 6.30
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Tyro Payments Return-on-Tangible-Asset Related Terms
Tyro Payments Return-on-Tangible-Asset Historical Data
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The historical data trend for Tyro Payments's Return-on-Tangible-Asset 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.
TYPMF vs MSFT, ORCL, PLTR: Return-on-Tangible-Asset Comparison
For the Software - Infrastructure subindustry, Tyro Payments's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Software Industry
For the Software industry and Technology sector, Tyro Payments's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Tyro Payments's Return-on-Tangible-Asset 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 Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is two times the semi-annual (Dec. 2025) net income data.
What does a Return-on-Tangible-Asset of 8.34% mean?
Tyro Payments (TYPMF) has a Return-on-Tangible-Asset of 8.34% as of Dec. 2025. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Tyro Payments and its competitors. According to the industry distribution chart, Tyro Payments ranks #992 out of 2883 companies in the Software industry, placing it in the top 34.4%.
Is Tyro Payments' Return-on-Tangible-Asset too high?
Tyro Payments' current Return-on-Tangible-Asset is 8.34%. The Software industry median Return-on-Tangible-Asset is 2.02. Tyro Payments' value of 8.34% is 312.9% above this industry median. Based on the distribution chart, Tyro Payments ranks #992 out of 2883 companies in the Software industry, which is above the industry midpoint. 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' Return-on-Tangible-Asset compare to MSFT and ORCL?
According to the Software industry distribution chart, Tyro Payments ranks #992 out of 2883 companies for Return-on-Tangible-Asset. This puts Tyro Payments in the upper half of its industry. The industry median Return-on-Tangible-Asset is 2.02. Tyro Payments' value of 8.34% is 312.9% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Asset for a Software company?
The median Return-on-Tangible-Asset among Software companies is 2.02, based on 2,883 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Tyro Payments's current Return-on-Tangible-Asset of 8.34% is 312.9% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Tyro Payments and its competitors. For the Software industry, the median Return-on-Tangible-Asset is 2.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tyro Payments's current Return-on-Tangible-Asset is 8.34%. 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 $0.67, compared to a current price of $0.53 — trading 20.9% below its estimated fair value. The current Return-on-Tangible-Asset is 8.34% and 312.9% above the Software industry median of 2.02. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Tyro Payments (TYPMF), the current Return-on-Tangible-Asset is 8.34% 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 20.9% below its estimated GF Value™ of $0.67.
GuruFocus considers Tyro Payments to be Modestly Undervalued.
Key valuation signals for TYPMF:
Return-on-Tangible-Asset: 8.34%
GF Value™: $0.67 vs. price of $0.53 (20.9% below fair value)
Industry Position: 312.9% above the Software median (#992 of 2883)
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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