Richard Sloan from the University of Michigan was first to document what is referred to as the "accrual anomaly". His 1996 paper found that shares of companies with small or negative accruals vastly outperform (+10%) those of companies with large ones.
Tyro Payments's Sloan Ratio for the quarter that ended in Dec. 2025 was -5.14%.
As of Dec. 2025, Tyro Payments has a Sloan Ratio of -5.14%, indicating the company is in the safe zone and there is no funny business with accruals.
Tyro Payments (OTCPK:TYPMF) Sloan Ratio % Explanation
A former University of Michigan researcher, Richard Sloan's 1996 paper found that shares of companies with small or negative accruals vastly outperform (+10%) those of companies with large ones. In fact, for the 40-year period between 1962 and 2001, buying the lowest accrual companies and shorting the highest accrual companies resulted in an average annual compounded return of 18%, more than double the S&P 500's 7.4% annual return over the same period.
If the Sloan Ratio is between -10% and 10%, the company is in the safe zone and there is no funny business with accruals.
If the Sloan Ratio is less than between -25% and -10% on the negative side, and between 10% and 25% on the positive side, this is a warning stage of accrual build up.
If the Sloan Ratio is less than -25% or greater than 25%, and this ratio is consistent over several quarters or even years, be careful. Earnings are highly likely to be made up of accruals.
As of Dec. 2025, Tyro Payments has a Sloan Ratio of -5.14%, indicating the company is in the safe zone and there is no funny business with accruals.
Tyro Payments Sloan Ratio % Related Terms
Tyro Payments Sloan Ratio % Historical Data
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The historical data trend for Tyro Payments's Sloan 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.
TYPMF vs MSFT, ORCL, PLTR: Sloan Ratio % Comparison
For the Software - Infrastructure subindustry, Tyro Payments's Sloan Ratio %, along with its competitors' market caps and Sloan 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 Sloan Ratio % vs Software Industry
For the Software industry and Technology sector, Tyro Payments's Sloan Ratio % distribution charts can be found below:
* The bar in red indicates where Tyro Payments's Sloan Ratio % falls into.
Earnings contain a lot of non cash earnings which is called accruals. The Sloan ratio is a way to identify firms with low non-cash or accrual-derived earnings relative to their cash flow.
Tyro Payments's Sloan Ratio for the fiscal year that ended in Jun. 2025 is calculated as
For company reported semi-annually, GuruFocus uses latest two semi-annual data as the TTM data.
Tyro Payments's Net Income for the trailing twelve months (TTM) ended in Dec. 2025 was 4.921 (Jun. 2025 ) + 11.74 (Dec. 2025 ) = $16.7 Mil.
Tyro Payments's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was 90.336 (Jun. 2025 ) + -48.997 (Dec. 2025 ) = $41.3 Mil.
Tyro Payments's Cash Flow from Investing for the trailing twelve months (TTM) ended in Dec. 2025 was 11.976 (Jun. 2025 ) + -20.161 (Dec. 2025 ) = $-8.2 Mil.
* 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 Sloan Ratio % of -5.14% as of Dec. 2025. Sloan ratio measures earnings quality based on the amount of accruals. View historical data on Tyro Payments and its competitors.
Is Tyro Payments' Sloan Ratio % too high?
Tyro Payments' current Sloan Ratio % is -5.14%. 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' Sloan Ratio % compare to MSFT and ORCL?
Tyro Payments' Sloan Ratio % of -5.14% can be compared against companies in the Software industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Sloan Ratio % for a Software company?
A good Sloan Ratio % depends on the Software industry context. However, Sloan Ratio % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Sloan Ratio % mean?
A high Sloan Ratio % can signal that a stock is expensive relative to its fundamentals. Sloan ratio measures earnings quality based on the amount of accruals. View historical data on Tyro Payments and its competitors. Tyro Payments's current Sloan Ratio % is -5.14%. 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 21.5% below its estimated fair value. The current Sloan Ratio % is -5.14%. 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 Sloan Ratio % calculated?
Sloan Ratio % is calculated from a company's financial statements. For Tyro Payments (TYPMF), the current Sloan Ratio % is -5.14% 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 21.5% below its estimated GF Value™ of $0.67.
GuruFocus considers Tyro Payments to be Modestly Undervalued.
Key valuation signals for TYPMF:
Sloan Ratio %: -5.14%
GF Value™: $0.67 vs. price of $0.53 (21.5% below fair value)
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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