Tyro Payments Limited
Tyro Payments Limited Fundamental Analysis
Tyro Payments Limited (TYPMF) shows moderate financial fundamentals with a PE ratio of 11.36, profit margin of 5.16%, and ROE of 10.65%. The company generates $0.7B in annual revenue with weak year-over-year growth of -4.98%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 38.1/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze TYPMF's fundamental strength across five key dimensions:
Efficiency Score
WeakTYPMF struggles to generate sufficient returns from assets.
Valuation Score
ExcellentTYPMF trades at attractive valuation levels.
Growth Score
WeakTYPMF faces weak or negative growth trends.
Financial Health Score
ExcellentTYPMF maintains a strong and stable balance sheet.
Profitability Score
WeakTYPMF struggles to sustain strong margins.
Key Financial Metrics
Is TYPMF Expensive or Cheap?
P/E Ratio
TYPMF trades at 11.36 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, TYPMF's PEG of 0.19 indicates potential undervaluation.
Price to Book
The market values Tyro Payments Limited at 1.16 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 7.05 times EBITDA. This is generally considered low.
How Well Does TYPMF Make Money?
Net Profit Margin
For every $100 in sales, Tyro Payments Limited keeps $5.16 as profit after all expenses.
Operating Margin
Core operations generate 10.86 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $10.65 in profit for every $100 of shareholder equity.
ROA
Tyro Payments Limited generates $5.23 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Tyro Payments Limited generates strong operating cash flow of $207.66M, reflecting robust business health.
Free Cash Flow
Tyro Payments Limited generates strong free cash flow of $206.50M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $0.39 in free cash annually.
FCF Yield
TYPMF converts 31.89% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
11.36
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.19
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.16
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.88
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.20
vs 25 benchmark
Current Ratio
Current assets to current liabilities
32.68
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.11
vs 25 benchmark
ROA
Return on assets percentage
0.05
vs 25 benchmark
ROCE
Return on capital employed
0.11
vs 25 benchmark
How TYPMF Stacks Against Its Sector Peers
| Metric | TYPMF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 11.36 | 35.62 | Better (Cheaper) |
| ROE | 10.65% | 1160.00% | Weak |
| Net Margin | 5.16% | -136515.00% (disorted) | Weak |
| Debt/Equity | 0.20 | 0.39 | Strong (Low Leverage) |
| Current Ratio | 32.68 | 4.79 | Strong Liquidity |
| ROA | 5.23% | -311498.00% (disorted) | Weak |
TYPMF outperforms its industry in 3 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Tyro Payments Limited's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
101.35%
Industry Style: Growth, Innovation, High Beta
High GrowthEPS CAGR
142.45%
Industry Style: Growth, Innovation, High Beta
High GrowthFCF CAGR
896.67%
Industry Style: Growth, Innovation, High Beta
High Growth