CPAY vs TYL
Corpay vs Tyler Technologies — AI-powered side-by-side comparison
VS
TYL
Tyler Technologies
53
Watch
| Metric | CPAY | TYL |
|---|
| AI Score |
70
|
53
|
| Price |
$414.06
|
$355.83
|
| P/E Ratio |
25.05×
|
45.97×
|
| ROE |
27.5%
|
8.5%
|
| Revenue Growth YoY |
—
|
—
|
| Gross Margin |
73.3%
|
46.6%
|
| Debt / Equity |
3.00×
|
0.48×
|
| Dividend Yield |
0.0%
|
0.0%
|
| RSI (14) |
67.0
|
73.8
|
| Beta |
0.869
|
0.809
|
| Expected Upside |
—
|
+4.4%
|
AI Committee View
Current Innellis committee reasoning for CPAY versus TYL.
CPAY leads by 17 points.
CPAY scores 70/100 (Buy) versus TYL at 53/100 (Watch).
CPAY Committee View
100% agreement
4 analysts
The committee is split. Analysts see this stock differently enough that the current rating reflects genuine uncertainty, not a weak signal.
Bull Case
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- Price structure making higher highs and higher lows — Technical
- Weekly trend (uptrend) confirms the daily trend -- multi-timeframe agreement — Technical
Bear Case
- MACD histogram negative -- bearish momentum — Technical
- Weekly RSI at 79 -- overbought on the larger timeframe too — Technical
TYL Committee View
50% agreement
6 analysts
The committee is genuinely divided. Macro Analyst sees a compelling case. Growth Analyst remains cautious — growth rate is decelerating quarter over quarter -- the trend line matters more than the level. This disagreement is itself the signal — the setup is not clean in either direction.
Bull Case
- MACD histogram positive -- bullish momentum — Technical
- Low leverage (debt-to-equity 0.16) -- balance sheet can absorb a shock — Risk
Bear Case
- P/E of 39.6 is moderate-to-rich — Value
- Price-to-book of 5.3x prices in significant intangible value — Value
- Growth rate is decelerating quarter over quarter -- the trend line matters more than the level — Growth