TYL · NASDAQ · STOCK
Tyler Technologies
$312.19
52W $270.71 – $598.06
54/100
$12.80B
41.0
0.82
Is TYL Bullish or Bearish?
Mixed.
Innellis AI committee rates Tyler Technologies (TYL) Watch with a composite score of 54/100
, based on 6 analysts with 50% agreement.
Last updated August 08, 2026.
What Would Change This View
- Upgrade to Buy
- Requires a committee score of 60.0 — +6.00 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 — -14.00 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 — market regime is bullish (bull market -- normal position sizing). 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
- Low leverage (debt-to-equity 0.16) -- balance sheet can absorb a shock — Risk
- Market regime is bullish (Bull market -- normal position sizing) — Macro
- News sentiment is positive (+0.20 across 31 articles, 14d) — News
Bear Case
- P/E of 39.4 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
- MACD histogram negative -- bearish momentum — Technical
- Bollinger bandwidth of 16.5% 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 August 08, 2026
Overall Committee Score
54/100
Agreement
50%
Analysts
6
Conviction
Contested
Sector Rank
Top 85%
of 172 Technology peers
Value Analyst
neutral
47
/ 100 · Moderate confidence
Fair value -- neither a bargain nor obviously overpriced
− P/E of 39.4 is moderate-to-rich
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 negative -- bearish momentum
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 16.5% signals elevated volatility
Macro Analyst
bullish
70
/ 100 · Moderate confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
bullish
64
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.20 across 31 articles, 14d)
Portfolio Manager
neutral
55
/ 100 · Moderate confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− 4 existing position pair(s) are highly correlated already
Investment Thesis Evolution
Committee score strengthened from 50.5 to 54.0.
- Committee agreement increased notably from 40% to 50%.
- New bearish signals: 2 appeared.
- Bullish support removed: 1 signal(s) disappeared.
- New bullish signals: 2 appeared.
- Analyst(s) changed stance: Risk Analyst.
- New analyst(s) joined: Value Analyst.
Analyst-level changes:
- News Analyst: +1 bullish signal(s).
- Risk Analyst: stance bearish->neutral; score 35->58 (+22); +1 bullish signal(s).
- Value Analyst joined: neutral at 47.
Comparing 2026-08-07 to 2026-08-08 (1 day apart).
Technical Analysis
RSI (14)
51.6
Neutral
MACD Histogram
-0.551
Bearish Momentum
Trend Direction
Sideways
Weekly: Downtrend
Market Structure
Mixed
Support
$283.71
Resistance
$366.08
Bollinger %B
0.54
Inside Bands
Price vs Moving Averages
EMA 9
$310.91
Above
EMA 21
$309.82
Above
EMA 50
$310.52
Above
EMA 200
$368.34
Below
Fundamental Analysis
Valuation
19
Growth
45
Profitability
58
Financial Health
81
Cash Flow
70
Valuation
P/E Ratio
41.0×
P/B Ratio
4.28×
PEG Ratio
5.97
Dividend Yield
0.00%
52W High
$598.06
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 41.0 (rich relative to a 15-40x range); Price-to-book of 4.3x; PEG ratio of 6.0 (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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