• Delivered against FY25 guidance with top-line growth and margin expansion
• Built a more profitable and resilient business with strong payments and banking trends
• Expanded addressable market and leveraged AI to drive efficiency, service and innovation

Tyro Payments Ltd announced its FY25 results, delivering on guidance with top-line growth and margin expansion. The company has built a much more profitable and resilient business, with 14% CAGR in gross profit and 79% CAGR in EBITDA over the past 3 years. Tyro is seeing positive trends in both payments and banking, with emerging growth in core payments volumes, faster growth in active bank accounts, and higher loan originations. The company has expanded its addressable market by over $40bn through new initiatives in pet insurance, aged care, unattended automotive, and enterprise integrations. Tyro has also launched its new banking platform and is leveraging AI to drive efficiency, service and innovation, with early wins including over 10% reduction in call handling time and 45% of queries handled entirely by AI. The company remains well-positioned to continue delivering profitable growth, with a refined strategic focus and expanded addressable market.

FY26 guidance: Gross profit of $230m - $240m, EBITDA margin of 28.5% - 30%

Tyro is well-positioned to deliver strong shareholder outcomes, leveraging its scalable proprietary payment tech stack, targeted distribution channels, integrated payments and banking, omni-channel offering, and agentic payment and banking experience. The company is targeting the 'Rule of 40' in its medium-term focus.