Tyro PaymentsTYPMF -9.22%54 Return-on-Tangible-Equity is 23.76% as of Dec. 2025. GuruFocus rates TYPMF with a GF Score™ of 54/100 and a GF Value™ of $0.72 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 2,472 Software companies, Tyro Payments ranks better than 64.97% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Tyro Payments's annualized net income for the quarter that ended in Dec. 2025 was $23.5 Mil. Tyro Payments's average shareholder tangible equity for the quarter that ended in Dec. 2025 was $98.8 Mil. Therefore, Tyro Payments's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 23.76%.
The historical rank and industry rank for Tyro Payments's Return-on-Tangible-Equity or its related term are showing as below:
TYPMF'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -84.83 Med: -2.64 Max: 31.92
Current: 17.77
During the past 7 years, Tyro Payments's highest Return-on-Tangible-Equity was 31.92%. The lowest was -84.83%. And the median was -2.64%.
TYPMF's Return-on-Tangible-Equity is ranked better than 64.97% of 2472
companies
in the Software industry
Industry Median: 8.76
vs TYPMF: 17.77
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Tyro Payments Return-on-Tangible-Equity Related Terms
Tyro Payments Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Tyro Payments's Return-on-Tangible-Equity 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-Equity Comparison
For the Software - Infrastructure subindustry, Tyro Payments's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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-Equity vs Software Industry
For the Software industry and Technology sector, Tyro Payments's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Tyro Payments's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 23.76% mean?
Tyro Payments (TYPMF) has a Return-on-Tangible-Equity of 23.76% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Tyro Payments and its competitors. According to the industry distribution chart, Tyro Payments ranks #866 out of 2472 companies in the Software industry, placing it in the top 35%.
Is Tyro Payments' Return-on-Tangible-Equity too high?
Tyro Payments' current Return-on-Tangible-Equity is 23.76%. The Software industry median Return-on-Tangible-Equity is 8.76. Tyro Payments' value of 23.76% is 171.2% above this industry median. Based on the distribution chart, Tyro Payments ranks #866 out of 2472 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-Equity compare to MSFT and ORCL?
According to the Software industry distribution chart, Tyro Payments ranks #866 out of 2472 companies for Return-on-Tangible-Equity. This puts Tyro Payments in the upper half of its industry. The industry median Return-on-Tangible-Equity is 8.76. Tyro Payments' value of 23.76% is 171.2% 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-Equity for a Software company?
The median Return-on-Tangible-Equity among Software companies is 8.76, based on 2,472 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Tyro Payments's current Return-on-Tangible-Equity of 23.76% is 171.2% 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Tyro Payments and its competitors. For the Software industry, the median Return-on-Tangible-Equity is 8.76 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tyro Payments's current Return-on-Tangible-Equity is 23.76%. 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 $0.72, compared to a current price of $0.53 — trading 26.4% below its estimated fair value. The current Return-on-Tangible-Equity is 23.76% and 171.2% above the Software industry median of 8.76. 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-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Tyro Payments (TYPMF), the current Return-on-Tangible-Equity is 23.76% 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 26.4% below its estimated GF Value™ of $0.72.
GuruFocus considers Tyro Payments to be Modestly Undervalued.
Key valuation signals for TYPMF:
Return-on-Tangible-Equity: 23.76%
GF Value™: $0.72 vs. price of $0.53 (26.4% below fair value)
Industry Position: 171.2% above the Software median (#866 of 2472)
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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