Tyro Payments (3JW) Stock Overview

Provides integrated payment solutions and value-add services in Australia. More details

3JW fundamental analysis
Snowflake Score
Valuation	3/6
Future Growth	0/6
Past Performance	2/6
Financial Health	6/6
Dividends	0/6

Rewards

Trading at 24.4% below our estimate of its fair value

Risk Analysis

Earnings are forecast to decline by an average of 2% per year for the next 3 years

Shares are highly illiquid

3JW Community Fair Values

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Tyro Payments Limited Competitors

Price History & Performance

Summary of share price highs, lows and changes for Tyro Payments
Historical stock prices
Current Share Price	AU$0.45
52 Week High	AU$0.69
52 Week Low	AU$0.41
Beta	1.57
1 Month Change	-7.72%
3 Month Change	4.13%
1 Year Change	-3.67%
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	-2.47%

Recent updates

Shareholder Returns

	3JW	DE Diversified Financial	DE Market
7D	-11.8%	0.2%	-1.7%
1Y	-3.7%	-19.3%	-0.6%

Return vs Industry: 3JW exceeded the German Diversified Financial industry which returned -19.2% over the past year.

Return vs Market: 3JW underperformed the German Market which returned 2.2% over the past year.

Price Volatility

Is 3JW's price volatile compared to industry and market?
3JW volatility
3JW Average Weekly Movement	n/a
Diversified Financial Industry Average Movement	4.5%
Market Average Movement	5.7%
10% most volatile stocks in DE Market	13.3%
10% least volatile stocks in DE Market	2.8%

Stable Share Price: 3JW's share price has been volatile over the past 3 months compared to the German market.

Volatility Over Time: Insufficient data to determine 3JW's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
2003	564	Nigel Lee	www.tyro.com

Tyro Payments Limited provides integrated payment solutions and value-add services in Australia. It operates through two segments, Payments and Banking. The company offers card present, card-not-present, and in-app payments; acquires and processes electronic payment transactions from merchants; leases terminals; and sells terminal accessories.

Tyro Payments Limited Fundamentals Summary

How do Tyro Payments's earnings and revenue compare to its market cap?
3JW fundamental statistics
Market cap	€252.96m
Earnings (TTM)	€15.28m
Revenue (TTM)	€296.24m

16.6x

P/E Ratio

0.9x

P/S Ratio

Is 3JW overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
3JW income statement (TTM)
Revenue	AU$489.01m
Cost of Revenue	AU$277.34m
Gross Profit	AU$211.67m
Other Expenses	AU$186.44m
Earnings	AU$25.23m

Last Reported Earnings

Dec 31, 2025

Next Earnings Date

Aug 25, 2026

Earnings per share (EPS)	0.048
Gross Margin	43.28%
Net Profit Margin	5.16%
Debt/Equity Ratio	0%

How did 3JW perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2026/06/27 21:13
End of Day Share Price	2026/06/24 00:00
Earnings	2025/12/31
Annual Earnings	2025/06/30

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Tyro Payments Limited is covered by 11 analysts. 7 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Owen Humphries	Canaccord Genuity
Elijah Mayr	CLSA
Ashwini Chandra	Goldman Sachs

Tyro Payments LimitedDB:3JW Stock Report