TYL
Tyler Technologies
$275.27
▼ 1.3%Updated Today 7:15 PM ET
▼ Down 51.0% over the last 12 months
Market Cap
$11.76B
P/E
37.35x
Forward P/E (est.)
34.27x
ROE
8.7%
Revenue Growth
8.7%
EPS Growth
9.0%
Profit Margin
13.3%
FCF Yield
2.5%
Debt / Equity
0.16x
ROIC
7.0%
Interest Coverage
—
Current Ratio
1x
Dividend Yield
—
Implied Growth (rev. DCF)
3.4%
Rating Score
49/100
Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what TYL's chart says today, with each tool explained.
Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. TYL trades near $275.27, below its 50-day average ($319.64) and 200-day average ($409.40). Price below both averages is a downtrend — momentum is against buyers for now.
Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 42 it is in neutral territory — neither stretched nor washed out.
MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently negative — short-term momentum is fading.
Volatility — ATR. Average True Range is the typical daily move. TYL's is $13.58 (~4.9% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. Over the last month TYL found buyers near $285.86 (support) and sellers near $331.54 (resistance); its 52-week range is $283.72–$621.34. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 0.9× the 20-day average — about normal. Rising volume on up-days suggests real buying; on down-days, real selling.
Educational information to help you read a chart — not a recommendation or a forecast. It updates daily as the price and indicators change.
Tyler Technologies (TYL) is a large-cap company in the Application Software industry, part of the Information Technology sector of the S&P 500, with a market value around $11.76B.
In its latest reported year it generated about $2.33B in revenue and $315.60M in net profit.
Our model rates TYL Neutral (49/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
4Y CAGR
10.0%
Revenue moved from $1.59B in 2021 to $2.33B in 2025, a 10.0% compound annual growth rate. The most recent year grew a steady 8.7% year over year. Slower, mature growth is common for established businesses.
Gross Margin
46.5%
Operating Margin
15.3%
Net Margin
13.5%
ROE
8.7%
Tyler Technologies keeps about 13.3% of each sales dollar as net profit, with a 46.5% gross margin and 15.3% operating margin. Return on equity is 8.7% and return on invested capital about 7.0%. Margins are moderate — typical of a competitive but profitable business.
Total Debt
$599.66M
Net Debt
$283.65M
Net Debt / EBITDA
0.79x
Debt / Equity
0.16x
Leverage: debt-to-equity is 0.2x, with a current ratio of 1.0x. That is a conservative balance sheet — a cushion in downturns. It carries roughly $599.66M of total debt against $316.01M of cash.
Operating CF
$653.54M
Free Cash Flow
$637.53M
FCF Margin
27.3%
In the latest year Tyler Technologies produced about $653.54M of operating cash flow and $637.53M of free cash flow after capital spending. That is a free-cash-flow yield of about 2.5% on today's price. Cash flow is what ultimately pays shareholders, so it is worth tracking over time.
P/E
37.35x
P/S
5.41x
P/B
4.93x
EV / EBITDA
25.99x
TYL trades at 37.3x trailing earnings (about 34.3x on estimated forward earnings), 5.4x sales, and 4.9x book value. Reverse-engineering today's price implies the market expects roughly 3.4% long-term free-cash-flow growth. That is a premium multiple that needs growth to justify it.
Where this stock sits versus what most companies trade at.
Typical ranges are general references (e.g., many stocks trade at ~18–26x earnings), not hard rules. Context only — not investment advice.
How TYL stacks up against its Information Technology peers — valuation, profitability, and growth versus the sector median.
In the Information Technology sector (72 S&P 500 companies), TYL ranks #56 of 72 by our overall rating. It trades at roughly in line versus the sector on earnings (37.3x P/E vs. 35.6x median) with a lower return on equity (8.7% vs. 25.6%) and slower revenue growth (8.7% vs. 17.4%).
P/E vs sector
37.3x
median 35.6x
ROE vs sector
8.7%
median 25.6%
Growth vs sector
8.7%
median 17.4%
Sector rank
#56
of 72 by rating
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Information Technology companies by sub-industry and size. Sector median is across all 72 S&P 500 names in the sector. Educational, not a recommendation.
Project revenue → earnings → price. Edit the assumptions to build your own case.
2030 price target (Base Case)
$262.12 – $440.84
vs. $275.27 today · expected CAGR -1% – 10%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $2.54B | $2.77B | $3.02B | $3.29B | $3.59B |
| Net income | $355.92M | $387.95M | $422.86M | $460.92M | $502.40M |
| EPS | $8.44 | $9.20 | $10.03 | $10.93 | $11.91 |
| Share price (low) | $185.69 | $202.40 | $220.62 | $240.48 | $262.12 |
| Share price (high) | $312.30 | $340.41 | $371.04 | $404.44 | $440.84 |
| CAGR (low–high) | -33% / 13% | -14% / 11% | -7% / 10% | -3% / 10% | -1% / 10% |
Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.
The case for TYL:
- A conservative balance sheet (debt/equity 0.2x) lowers risk.
- As an established S&P 500 member in Information Technology, it brings scale and a long operating history.
The case against TYL:
- Like any single stock, it is exposed to competition, the economic cycle, and shifts in its end markets.
Valuation risk — at 37.3x earnings, disappointing results could compress the multiple.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
On balance, the picture is mixed: Tyler Technologies is a large-cap information technology business growing at a mature pace, with solid profitability, and a sound balance sheet. It trades at 37.3x earnings, which our model scores Neutral (49/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.