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⚠️ Not investment advice. Past performance does not guarantee future results.
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Tyler Technologies TYL

United States Technology
5.6/10
AI Analyst score
325.57 USD
Last price at analysis date · analyst target 426.64 (+31.0%)
🛒 Where to buy TYLPartner brokers · US (NYSE/Nasdaq) · sample 200.00 € orderUS (NYSE/Nasdaq)
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🟡 HOLD — Hold; the quality of the business and recent public sector contracts are positive, but valuation and momentum suggest waiting for a better entry point.

Tyler Technologies is a software company that provides integrated technology solutions for the public sector, primarily for local and state governments in the United States, including court management, finance, public safety, and administration systems. Tyler Technologies shows solid financial health (ND/EBITDA 1.06) and 15.5% earnings growth, but its valuation is demanding (P/E 42.73) and momentum is weak (down 28.65% over 12 months).

Financial health
6.7
Quality / Moat
6.0
Valuation
4.9
Growth
6.7
Dividend
1.5
Momentum
2.2
Risk & Context
7.2

Detailed metrics

Market and fundamental data as of the analysis date.

💵 Valuation
P/E42.73
Fwd P/E21.21
EV/EBITDA30.14
P/B4.39
P/S5.49
PEG1.36
Market cap13.33 B USD
Enterprise value13.82 B USD
🏰 Quality and moat
ROIC (approx.)8.0%
Gross margin47.21%
FCF conversion130%
Operating margin14.74%
📈 Profitability and margins
ROE9.73%
ROA4.18%
Net margin13.36%
FCF594.4 M USD
FCF yield4.46%
🏦 Solvency and liquidity
Total debt1.46 B USD
Net debt485.0 M USD
Cash970.0 M USD
EBITDA458.5 M USD
Net debt / EBITDA1.06
D/E47.91
Current ratio1.55
Quick ratio1.47
🚀 Growth
Revenue growth8.20%
Earnings growth15.50%
EPS (TTM)7.62 USD
EPS (Fwd)15.35 USD
💰 Dividend and risk
Dividend yield0.00%
Payout0.0%
Beta0.83
Analyst consensusBuy (22)
Target price426.64 USD
52-week range270.71 USD – 531.94 USD
⚠️ Main risk: The main risk is the high valuation (P/E 42.73) in a rising rate environment, which could compress the multiple if growth does not accelerate.
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Full AI report

Generated automatically from the metrics, the macro context and the company's news.

Tyler Technologies is a software company that provides integrated technology solutions for the public sector, primarily for local and state governments in the United States, including court management, finance, public safety, and administration systems. Tyler Technologies shows solid financial health (ND/EBITDA 1.06) and 15.5% earnings growth, but its valuation is demanding (P/E 42.73) and momentum is weak (down 28.65% over 12 months).

Score by category

CategoryScore
Financial health6.7
Quality / Moat6.0
Valuation4.9
Growth6.7
Dividend1.5
Momentum2.2
Risk & Context7.2

OVERALL SCORE: 5.6/10

Context and risks

The macro context (rising rates, geopolitical tensions) does not materially affect Tyler Technologies: its public sector software business is defensive with recurring revenue, with no direct exposure to commodities or shipping routes. The rate increase could affect its valuation through duration, but the engine already modulates this via P/E and leverage.

News considered in the analysis

  • Tyler Technologies (TYL) Is Up 6.3% After Nebraska Adopts AI Assistant Statewide And Alabama Cloud Win — Adopción estatal de IA y victoria en la nube en Alabama: contratos que refuerzan ingresos recurrentes y posicionamiento competitivo.
  • Tyler Technologies CEO Sells $3.4M: Worrying or Routine? — Venta de acciones por el CEO, aunque de magnitud moderada; puede generar cierta preocupación sobre la confianza interna.
  • Should You Be Bullish on Tyler Technologies (TYL)? — Artículo de opinión sin información nueva.
  • Is Tyler Technologies Stock Underperforming the Dow? — Comparativa genérica sin relevancia para los fundamentales.
  • Why Did Axon Stock Fall Ten Percent On A Convertible That Pays No Interest? — Noticia sobre un competidor (Axon) sin impacto directo en Tyler.

Verdict: Hold; the quality of the business and recent public sector contracts are positive, but valuation and momentum suggest waiting for a better entry point.

Main risk: The main risk is the high valuation (P/E 42.73) in a rising rate environment, which could compress the multiple if growth does not accelerate.

Other Technology companies

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Automatically generated analysis from fundamental, market and news data. Not personalised financial advice — a research tool, not an individual recommendation. Past performance does not guarantee future results. Last update of this analysis: 2026-09-28. Legal notice, privacy & cookies.