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Tyler Technologies, Inc. (TYL) Stock Analysis

Recovery setup

SellModerate Confidence

Technology · Software - Application

Sell if holding. At $353.93, A.R:R 1.1:1 is below the 1.5:1 minimum. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Concentration risk — Customer: state, county, and city governments; Weak overall score: 4.7/10.

Tyler Technologies is the leading provider of integrated software and services for U.S. public sector entities including cities, counties, states, courts, and schools. Revenue is derived substantially all from government clients through recurring SaaS subscriptions and... Read more

$353.93+11.8% A.UpsideScore 4.7/10#90 of 96 Software - Application
Stop $329.12Target $394.84(analyst − 10%)A.R:R 1.1:1
Analyst target$438.71+24.0%21 analysts
$394.84our TP
$353.93price
$438.71mean
$650

Sell if holding. At $353.93, A.R:R 1.1:1 is below the 1.5:1 minimum. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Concentration risk — Customer: state, county, and city governments; Weak overall score: 4.7/10. Chart setup: Death cross but MACD improving, RSI 72. Score 4.7/10, moderate confidence.

Passes 6/8 gates (positive momentum, clean insider activity, no SEC red flags, news boost earnings 0.70, earnings proximity no date, semi cycle peak clear). Fails on favorable risk/reward ratio. Suitability: moderate.

Thesis

Rewards
Strong earnings beat streak (3/4)
Recent Earnings detected in news
Risks
Concentration risk — Customer: state, county, and city governments
Weak overall score: 4.7/10
Weak growth

Key Metrics

P/E (TTM)49.2
P/E (Fwd)25.1
Mkt Cap$15.3B
EV/EBITDA34.2
Profit Mgn13.5%
ROE8.9%
Rev Growth6.3%
Beta0.92
DividendNone
Rating analysts27

Quality Signals

Piotroski F8/9

Options Flow

P/C0.61bullish
IV58%elevated
Max Pain$230-35.0% vs spot

Concentration Risks(10-K Item 1A)

  • HIGHCustomerstate, county, and city governments
    10-K Item 1A: 'We derive substantially all of our revenues from sales of software and services to state, county, and city governments, other federal or municipal agencies'
  • MEDIUMSupplierAmazon Web Services (AWS)
    10-K Item 1A: 'We rely on third-party providers—including Amazon Web Services (AWS)—for hosting services and other technology-related services needed to deliver certain of our cloud solutions'

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

3 floor-breakers

Technicals below the gate floor. Component breakdown shows what dragged the score down.static

Bollinger
1.1
52w Position
1.4
Support Resistance
2.6

Ranks in the bottom of its industry peers on the composite signal. Better names in the same sector exist.static

Growth Rank
1.6
Value Rank
2.4
Quality Rank
5.6

Growth below the gate floor. Component breakdown shows what dragged the score down.static

Earnings Growth
2.2
Revenue Growth
4.1
GatesA.R:R 1.1 < 1.5@spotDeath cross (50MA < 200MA)Momentum 5.9>=5.5Insider activity: OKNo SEC red flagsNEWS BOOST EARNINGS 0.70EARNINGS PROXIMITY NO DATESEMI CYCLE PEAK CLEARRecoverySuitability: Moderate
RSI
72 · Overbought
20D MA 50D MA 200D MADEATH CROSSSupport $314.07Resistance $366.63

Price Targets

$329
$395
A.Upside+11.6%
A.R:R1.1:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeCautious

Risk Alerts

! Reward/Risk 1.1:1 at current price — below 1.5:1 minimum

Earnings

B
B
B
M
3/4 beats
Next Earnings2026-04-29 (nulld)

Verdict History

reverse chrono — latest first
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Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is TYL stock a buy right now?

Sell if holding. At $353.93, A.R:R 1.1:1 is below the 1.5:1 minimum. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Concentration risk — Customer: state, county, and city governments; Weak overall score: 4.7/10. Chart setup: Death cross but MACD improving, RSI 72. Prior stop was $329.12. Score 4.7/10, moderate confidence.

What is the TYL stock price target?

Take-profit target: $394.84 (+11.8% upside). Prior stop was $329.12. Stop-loss: $329.12.

What are the risks of investing in TYL?

Concentration risk — Customer: state, county, and city governments; Weak overall score: 4.7/10; Weak growth.

Is TYL overvalued or undervalued?

Tyler Technologies, Inc. trades at a P/E of 49.2 (forward 25.1). TrendMatrix value score: 4.3/10. Verdict: Sell.

What do analysts say about TYL?

27 analysts cover TYL with a consensus score of 4.1/5. Average price target: $439.

What does Tyler Technologies, Inc. do?Tyler Technologies is the leading provider of integrated software and services for U.S. public sector entities...

Tyler Technologies is the leading provider of integrated software and services for U.S. public sector entities including cities, counties, states, courts, and schools. Revenue is derived substantially all from government clients through recurring SaaS subscriptions and on-premises maintenance contracts for mission-critical back-office systems.

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