Tyro Payments H1 FY26 Investor Presentation

• Core payment volumes grew 5.6%, supported by strong new business growth and improved TTV churn
• Launch of new banking products drove 38% increase in users
• Momentum in banking, with improved returns and 19% growth in loan originations
• Continued improvement in operating efficiency, with EBITDA increasing by 19.8%

Tyro Payments reported a strong H1 FY26 performance, with core payment volumes growing 5.6% and gross payment margin increasing 0.8bps. The launch of new banking products, including the Tyro Transaction Account and Tyro Flexi Loan, drove a 38% increase in users and a 19% growth in loan originations. This momentum in banking, combined with improved returns and continued cost discipline, led to a 19.8% increase in EBITDA. The company's balance sheet remains strong, with $141m in available own funds to support additional internal investment and inorganic growth opportunities. Tyro is on track to deliver its FY26 guidance of $230m-$240m in gross profit and an EBITDA margin of 28.5%-30%. The company is well-positioned to capitalize on growth opportunities across payments, banking, and value-add services, leveraging its scaled merchant base, local expertise, and integrated platform.

Tyro is on track to deliver its FY26 guidance of $230m-$240m in gross profit and an EBITDA margin of 28.5%-30%.

Tyro is investing for the next stage of growth, focusing on opportunities in health, banking, eCommerce, and larger merchants. The company is innovative, moving fast, and obsessed with customer success.