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TYLER TECHNOLOGIES INC (TYL) Stock Fundamental Analysis

USA - NYSE:TYL - US9022521051 - Common Stock

530.05 USD
-6.33 (-1.18%)
Last: 9/18/2025, 8:04:00 PM
531.49 USD
+1.44 (+0.27%)
Pre-Market: 9/19/2025, 4:25:03 AM
Fundamental Rating

5

TYL gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 280 industry peers in the Software industry. Both the profitability and the financial health of TYL get a neutral evaluation. Nothing too spectacular is happening here. TYL is valued quite expensively, but it does show have an excellent growth rating. These ratings could make TYL a good candidate for growth investing.


Dividend Valuation Growth Profitability Health

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6

1. Profitability

1.1 Basic Checks

In the past year TYL was profitable.
In the past year TYL had a positive cash flow from operations.
TYL had positive earnings in each of the past 5 years.
In the past 5 years TYL always reported a positive cash flow from operatings.
TYL Yearly Net Income VS EBIT VS OCF VS FCFTYL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

1.2 Ratios

The Return On Assets of TYL (5.65%) is better than 73.93% of its industry peers.
The Return On Equity of TYL (8.44%) is better than 73.57% of its industry peers.
With a decent Return On Invested Capital value of 7.64%, TYL is doing good in the industry, outperforming 78.57% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for TYL is significantly below the industry average of 11.76%.
The 3 year average ROIC (5.40%) for TYL is below the current ROIC(7.64%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 5.65%
ROE 8.44%
ROIC 7.64%
ROA(3y)4.04%
ROA(5y)4.6%
ROE(3y)6.56%
ROE(5y)7.28%
ROIC(3y)5.4%
ROIC(5y)5.58%
TYL Yearly ROA, ROE, ROICTYL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10

1.3 Margins

With a decent Profit Margin value of 13.66%, TYL is doing good in the industry, outperforming 76.79% of the companies in the same industry.
TYL's Profit Margin has declined in the last couple of years.
Looking at the Operating Margin, with a value of 15.11%, TYL belongs to the top of the industry, outperforming 81.43% of the companies in the same industry.
In the last couple of years the Operating Margin of TYL has remained more or less at the same level.
TYL has a worse Gross Margin (45.18%) than 72.50% of its industry peers.
In the last couple of years the Gross Margin of TYL has declined.
Industry RankSector Rank
OM 15.11%
PM (TTM) 13.66%
GM 45.18%
OM growth 3Y2.19%
OM growth 5Y-0.68%
PM growth 3Y6.66%
PM growth 5Y-1.82%
GM growth 3Y-0.6%
GM growth 5Y-1.65%
TYL Yearly Profit, Operating, Gross MarginsTYL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

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6

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), TYL is destroying value.
The number of shares outstanding for TYL has been increased compared to 1 year ago.
The number of shares outstanding for TYL has been increased compared to 5 years ago.
TYL has a better debt/assets ratio than last year.
TYL Yearly Shares OutstandingTYL Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
TYL Yearly Total Debt VS Total AssetsTYL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B

2.2 Solvency

TYL has an Altman-Z score of 8.84. This indicates that TYL is financially healthy and has little risk of bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 8.84, TYL belongs to the top of the industry, outperforming 81.43% of the companies in the same industry.
There is no outstanding debt for TYL. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.99
Altman-Z 8.84
ROIC/WACC0.7
WACC10.9%
TYL Yearly LT Debt VS Equity VS FCFTYL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

2.3 Liquidity

TYL has a Current Ratio of 1.03. This is a normal value and indicates that TYL is financially healthy and should not expect problems in meeting its short term obligations.
TYL has a Current ratio of 1.03. This is in the lower half of the industry: TYL underperforms 71.79% of its industry peers.
A Quick Ratio of 1.03 indicates that TYL should not have too much problems paying its short term obligations.
Looking at the Quick ratio, with a value of 1.03, TYL is doing worse than 70.71% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.03
Quick Ratio 1.03
TYL Yearly Current Assets VS Current LiabilitesTYL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B

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7

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 23.29% over the past year.
Measured over the past years, TYL shows a quite strong growth in Earnings Per Share. The EPS has been growing by 12.50% on average per year.
Looking at the last year, TYL shows a quite strong growth in Revenue. The Revenue has grown by 10.69% in the last year.
Measured over the past years, TYL shows a quite strong growth in Revenue. The Revenue has been growing by 14.50% on average per year.
EPS 1Y (TTM)23.29%
EPS 3Y10.8%
EPS 5Y12.5%
EPS Q2Q%21.25%
Revenue 1Y (TTM)10.69%
Revenue growth 3Y10.32%
Revenue growth 5Y14.5%
Sales Q2Q%10.19%

3.2 Future

Based on estimates for the next years, TYL will show a quite strong growth in Earnings Per Share. The EPS will grow by 15.65% on average per year.
TYL is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.31% yearly.
EPS Next Y20.15%
EPS Next 2Y15.38%
EPS Next 3Y14.81%
EPS Next 5Y15.65%
Revenue Next Year9.82%
Revenue Next 2Y9.55%
Revenue Next 3Y9.71%
Revenue Next 5Y9.31%

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
TYL Yearly Revenue VS EstimatesTYL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 1B 2B 3B 4B
TYL Yearly EPS VS EstimatesTYL Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 10 20 30

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3

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 49.82, TYL can be considered very expensive at the moment.
TYL's Price/Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Earnings ratio of 27.41, TYL is valued quite expensively.
A Price/Forward Earnings ratio of 41.69 indicates a quite expensive valuation of TYL.
TYL's Price/Forward Earnings ratio is in line with the industry average.
When comparing the Price/Forward Earnings ratio of TYL to the average of the S&P500 Index (22.88), we can say TYL is valued expensively.
Industry RankSector Rank
PE 49.82
Fwd PE 41.69
TYL Price Earnings VS Forward Price EarningsTYL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40 50

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, TYL is valued a bit cheaper than the industry average as 65.00% of the companies are valued more expensively.
TYL's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. TYL is cheaper than 67.14% of the companies in the same industry.
Industry RankSector Rank
P/FCF 37.89
EV/EBITDA 46.33
TYL Per share dataTYL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates TYL does not grow enough to justify the current Price/Earnings ratio.
TYL has a very decent profitability rating, which may justify a higher PE ratio.
TYL's earnings are expected to grow with 14.81% in the coming years. This may justify a more expensive valuation.
PEG (NY)2.47
PEG (5Y)3.99
EPS Next 2Y15.38%
EPS Next 3Y14.81%

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0

5. Dividend

5.1 Amount

No dividends for TYL!.
Industry RankSector Rank
Dividend Yield N/A

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TYLER TECHNOLOGIES INC

NYSE:TYL (9/18/2025, 8:04:00 PM)

Premarket: 531.49 +1.44 (+0.27%)

530.05

-6.33 (-1.18%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)07-30 2025-07-30/amc
Earnings (Next)10-21 2025-10-21/amc
Inst Owners96.03%
Inst Owner Change22.44%
Ins Owners0.33%
Ins Owner Change-0.79%
Market Cap22.93B
Analysts79.17
Price Target685.22 (29.27%)
Short Float %2.81%
Short Ratio3.67
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.87%
Min EPS beat(2)3.84%
Max EPS beat(2)7.9%
EPS beat(4)3
Avg EPS beat(4)3.27%
Min EPS beat(4)-1.13%
Max EPS beat(4)7.9%
EPS beat(8)7
Avg EPS beat(8)3.84%
EPS beat(12)10
Avg EPS beat(12)3.57%
EPS beat(16)13
Avg EPS beat(16)4.25%
Revenue beat(2)2
Avg Revenue beat(2)0.44%
Min Revenue beat(2)0.39%
Max Revenue beat(2)0.48%
Revenue beat(4)2
Avg Revenue beat(4)-0.43%
Min Revenue beat(4)-1.72%
Max Revenue beat(4)0.48%
Revenue beat(8)3
Avg Revenue beat(8)-0.7%
Revenue beat(12)4
Avg Revenue beat(12)-0.59%
Revenue beat(16)7
Avg Revenue beat(16)0.3%
PT rev (1m)0.02%
PT rev (3m)0.16%
EPS NQ rev (1m)0.25%
EPS NQ rev (3m)1.11%
EPS NY rev (1m)1.59%
EPS NY rev (3m)1.55%
Revenue NQ rev (1m)0.16%
Revenue NQ rev (3m)0.77%
Revenue NY rev (1m)0.64%
Revenue NY rev (3m)0.64%
Valuation
Industry RankSector Rank
PE 49.82
Fwd PE 41.69
P/S 10.21
P/FCF 37.89
P/OCF 35.66
P/B 6.31
P/tB 102.27
EV/EBITDA 46.33
EPS(TTM)10.64
EY2.01%
EPS(NY)12.71
Fwd EY2.4%
FCF(TTM)13.99
FCFY2.64%
OCF(TTM)14.86
OCFY2.8%
SpS51.91
BVpS84.02
TBVpS5.18
PEG (NY)2.47
PEG (5Y)3.99
Profitability
Industry RankSector Rank
ROA 5.65%
ROE 8.44%
ROCE 9.04%
ROIC 7.64%
ROICexc 10.02%
ROICexgc N/A
OM 15.11%
PM (TTM) 13.66%
GM 45.18%
FCFM 26.95%
ROA(3y)4.04%
ROA(5y)4.6%
ROE(3y)6.56%
ROE(5y)7.28%
ROIC(3y)5.4%
ROIC(5y)5.58%
ROICexc(3y)6.06%
ROICexc(5y)6.77%
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)6.39%
ROCE(5y)6.6%
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3Y14.88%
ROICexc growth 5Y-4.33%
OM growth 3Y2.19%
OM growth 5Y-0.68%
PM growth 3Y6.66%
PM growth 5Y-1.82%
GM growth 3Y-0.6%
GM growth 5Y-1.65%
F-Score6
Asset Turnover0.41
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.99
Debt/EBITDA 0
Cap/Depr 25.71%
Cap/Sales 1.68%
Interest Coverage 158.99
Cash Conversion 132.2%
Profit Quality 197.25%
Current Ratio 1.03
Quick Ratio 1.03
Altman-Z 8.84
F-Score6
WACC10.9%
ROIC/WACC0.7
Cap/Depr(3y)30.99%
Cap/Depr(5y)33.77%
Cap/Sales(3y)2.59%
Cap/Sales(5y)2.76%
Profit Quality(3y)205.85%
Profit Quality(5y)196.2%
High Growth Momentum
Growth
EPS 1Y (TTM)23.29%
EPS 3Y10.8%
EPS 5Y12.5%
EPS Q2Q%21.25%
EPS Next Y20.15%
EPS Next 2Y15.38%
EPS Next 3Y14.81%
EPS Next 5Y15.65%
Revenue 1Y (TTM)10.69%
Revenue growth 3Y10.32%
Revenue growth 5Y14.5%
Sales Q2Q%10.19%
Revenue Next Year9.82%
Revenue Next 2Y9.55%
Revenue Next 3Y9.71%
Revenue Next 5Y9.31%
EBIT growth 1Y29.45%
EBIT growth 3Y12.74%
EBIT growth 5Y13.72%
EBIT Next Year28.58%
EBIT Next 3Y19.71%
EBIT Next 5Y11.38%
FCF growth 1Y132.12%
FCF growth 3Y22.04%
FCF growth 5Y21.99%
OCF growth 1Y109.6%
OCF growth 3Y18.88%
OCF growth 5Y19.65%