ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Tyro Payments's annualized net income for the quarter that ended in Dec. 2025 was A$35.3 Mil. Tyro Payments's average Total Stockholders Equity over the quarter that ended in Dec. 2025 was A$236.9 Mil. Therefore, Tyro Payments's annualized ROE % for the quarter that ended in Dec. 2025 was 14.91%.
The historical rank and industry rank for Tyro Payments's ROE % or its related term are showing as below:
ASX:TYR'
s ROE % Range Over the Past 10 Years
Min: -19.2 Med: -6.22 Max: 13.34
Current: 10.96
During the past 7 years, Tyro Payments's highest ROE % was 13.34%. The lowest was -19.20%. And the median was -6.22%.
ASX:TYR's ROE % is ranked better than 65.72% of 2681
companies
in the Software industry
Industry Median: 4.71
vs ASX:TYR: 10.96
Tyro Payments (ASX:TYR) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
Tyro Payments ROE % Related Terms
Tyro Payments ROE % Historical Data
* Premium members only.
The historical data trend for Tyro Payments's ROE % 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.
For the Software - Infrastructure subindustry, Tyro Payments's ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Software Industry
For the Software industry and Technology sector, Tyro Payments's ROE % distribution charts can be found below:
* The bar in red indicates where Tyro Payments's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
Tyro Payments (ASX:TYR) has a ROE % of 14.91% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Tyro Payments and its competitors. According to the industry distribution chart, Tyro Payments ranks #919 out of 2681 companies in the Software industry, placing it in the top 34.3%.
Is Tyro Payments' ROE % too high?
Tyro Payments' current ROE % is 14.91%. The Software industry median ROE % is 4.71. Tyro Payments' value of 14.91% is 216.6% above this industry median. Based on the distribution chart, Tyro Payments ranks #919 out of 2681 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' ROE % compare to MSFT and ORCL?
According to the Software industry distribution chart, Tyro Payments ranks #919 out of 2681 companies for ROE %. This puts Tyro Payments in the upper half of its industry. The industry median ROE % is 4.71. Tyro Payments' value of 14.91% is 216.6% 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 ROE % for a Software company?
The median ROE % among Software companies is 4.71, based on 2,681 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Tyro Payments's current ROE % of 14.91% is 216.6% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Tyro Payments and its competitors. For the Software industry, the median ROE % is 4.71 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tyro Payments's current ROE % is 14.91%. 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 ROE % is 14.91% and 216.6% above the Software industry median of 4.71. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Tyro Payments (ASX:TYR), the current ROE % is 14.91% 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:
ROE %: 14.91%
GF Value™: A$1.08 vs. price of A$0.80 (25.9% below fair value)
Industry Position: 216.6% above the Software median (#919 of 2681)
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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