NASDAQ · STOCK
Tyler Technologies
$309.56
52W $270.71 – $621.34
53/100
$12.68B
40.6
0.82
Is TYL Bullish or Bearish?
Mixed.
Innellis AI committee rates Tyler Technologies (TYL) Watch with a composite score of 53/100
, based on 7 analysts with 57% agreement.
Last updated August 01, 2026.
What Would Change This View
- Upgrade to Buy
- Requires a committee score of 60.0 — +7.43 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 — -12.57 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
- MACD histogram positive -- bullish momentum — Technical
- Low leverage (debt-to-equity 0.16) -- balance sheet can absorb a shock — Risk
- Market regime is bullish (Bull market -- normal position sizing) — Macro
Bear Case
- P/E of 40.2 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
- Bollinger bandwidth of 16.7% 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 01, 2026
Overall Committee Score
53/100
Agreement
57%
Analysts
7
Conviction
Contested
Sector Rank
Top 80%
of 172 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 40.2 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
58
/ 100 · High confidence
Mixed or range-bound price action
+ MACD histogram positive -- bullish 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 16.7% 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
neutral
60
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
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 2535.03)
Investment Thesis Evolution
Committee score moved marginally from 50.8 to 52.6.
- Conviction changed from moderate to contested.
- Committee agreement fell notably from 71% to 57%.
- New bearish signals: 3 appeared.
- Bearish pressure eased: 3 signal(s) disappeared.
- Analyst(s) changed stance: Macro Analyst.
Analyst-level changes:
- Macro Analyst: stance neutral->bullish; score 58->70 (+12).
- Portfolio Manager: +2 bearish signal(s).
- Risk Analyst: +1 bearish signal(s).
Comparing 2026-07-31 to 2026-08-01 (1 day apart).
Technical Analysis
RSI (14)
47.7
Neutral
MACD Histogram
1.514
Bullish Momentum
Trend Direction
Sideways
Weekly: Downtrend
Market Structure
Lh Ll
Support
$283.71
Resistance
$366.08
Bollinger %B
0.46
Inside Bands
Price vs Moving Averages
EMA 9
$314.86
Below
EMA 21
$310.44
Below
EMA 50
$310.91
Below
EMA 200
$371.40
Below
Fundamental Analysis
Valuation
19
Growth
45
Profitability
0
Financial Health
81
Cash Flow
37
Valuation
P/E Ratio
40.6×
P/B Ratio
4.24×
PEG Ratio
5.91
Dividend Yield
0.00%
52W High
$621.34
52W Low
$270.71
Quality & Growth
ROE
8.5%
ROA
5.6%
Gross Margin
46.6%
Operating Margin
15.1%
Revenue Growth YoY
—
Debt / Equity
0.48
AI Fundamental Assessment
P/E ratio of 40.6 (rich relative to a 15-40x range); Price-to-book of 4.2x; PEG ratio of 5.9 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 0.1%; Return on assets of 0.1%; Net margin of 0.1%; Gross margin of 0.5%; Current ratio of 1.55 (healthy short-term liquidity); Debt-to-equity of 0.48; Free cash flow margin of 1.0% (thin cash generation); 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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