TYL · NYSE · STOCK
Tyler Technologies (TYL) Stock Analysis
$363.93
52W $270.71 – $566.58
52/100
$15.53B
49.7
0.81
Is TYL Bullish or Bearish?
Mixed.
Innellis AI committee rates Tyler Technologies (TYL) Watch with a composite score of 52/100
, based on 6 analysts with 33% agreement.
Last updated September 05, 2026.
What Would Change This View
- Upgrade to Buy
- Requires a committee score of 60.0 — +7.87 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Reduce
- Requires the score to fall below 40.0 — -12.13 from today. The band boundary is 45.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
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 & Bear Case
Bull Case
- MACD histogram positive -- bullish momentum — Technical
- Low leverage (debt-to-equity 0.16) -- balance sheet can absorb a shock — Risk
- News sentiment is positive (+0.21 across 14 articles, 14d) — News
Bear Case
- P/E of 48.4 is expensive by classic value standards — 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
- RSI at 76 is in overbought territory — Technical
- Bollinger bandwidth of 26.4% signals elevated volatility — Risk
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of September 05, 2026
Overall Committee Score
52/100
Agreement
33%
Analysts
6
Conviction
Contested
Sector Rank
Top 88%
of 287 Technology peers
Value Analyst
bearish
40
/ 100 · Moderate confidence
Multiples don't clear a genuine value bar here, or cheapness looks justified by weak fundamentals
− P/E of 48.4 is expensive by classic value standards
Growth Analyst
bearish
38
/ 100 · Moderate confidence
Growth story is weak, decelerating, or inconsistent
− Growth rate is decelerating quarter over quarter -- the trend line matters more than the level
Technical Analyst
neutral
48
/ 100 · High confidence
Mixed or range-bound price action
+ MACD histogram positive -- bullish momentum
− RSI at 76 is in overbought territory
Risk Analyst
neutral
58
/ 100 · Moderate confidence
Moderate risk -- no single red flag, but nothing that clearly de-risks the position either
+ Low leverage (debt-to-equity 0.16) -- balance sheet can absorb a shock
− Bollinger bandwidth of 26.4% signals elevated volatility
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
bullish
64
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.21 across 14 articles, 14d)
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 3059.07)
Investment Thesis Evolution
Committee score moved marginally from 52.1 to 52.1.
Comparing 2026-09-04 to 2026-09-05 (1 day apart).
Technical Analysis
RSI (14)
75.5
Overbought
MACD Histogram
2.884
Bullish Momentum
Trend Direction
Sideways
Weekly: Downtrend
Market Structure
Hh Hl
Bollinger %B
0.86
Inside Bands
Price vs Moving Averages
EMA 9
$367.55
Below
EMA 21
$350.90
Above
EMA 50
$333.23
Above
EMA 200
$365.14
Below
Fundamental Analysis
Valuation
14
Growth
45
Profitability
58
Financial Health
81
Cash Flow
70
Valuation
P/E Ratio
49.7×
P/B Ratio
5.19×
PEG Ratio
7.24
Dividend Yield
0.00%
52W High
$566.58
52W Low
$270.71
Quality & Growth
ROE
852.3%
ROA
559.7%
Gross Margin
4661.9%
Operating Margin
1513.9%
Revenue Growth YoY
—
Debt / Equity
0.48
AI Fundamental Assessment
P/E ratio of 49.7 (rich relative to a 15-40x range); Price-to-book of 5.2x; PEG ratio of 7.2 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 8.5%; Return on assets of 5.6%; Net margin of 13.4%; Gross margin of 46.6%; Current ratio of 1.55 (healthy short-term liquidity); Debt-to-equity of 0.48; Free cash flow per share is positive (17.18); Most recent quarter missed estimates by 0.3%; EPS growth decelerating (+17.0% -> -0.3% QoQ); Average YoY EPS growth of 5.8%; Analyst estimates rising over recent quarters
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