TYL Stock Analysis: Buy, Sell, or Hold?

TYL - Tyler Technologies, Inc.

SERVICES-PREPACKAGED SOFTWARE
$309.60
-13.71 (-4.24%) ▼
5d: +4.19%
30d: +2.63%
90d: -9.25%
HOLD
MODERATE Confidence
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Analysis Updated: Jul 31, 2026 12:00 AM ET
Earnings: Jul 29, 2026 0d

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Interactive Price Chart (1 Month)

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💡
Bottom Line:
📊 HOLD: TYL shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
See Forward Earnings Fair Value & Price Prediction →

Long-Term Wealth Forecast (2031)

Based on Analyst Consensus Growth & Historical Valuation

0% (Stagnation) 50% (Hyper Growth)
EST. PRICE IN 2031
$583.29
Based on 9.6% avg growth
INTRINSIC VALUE TODAY
$362.18
14.5% Margin of Safety

How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 25.0x Exit PE.

In-depth Analysis How we analyze

Valuation Analysis: TYL is currently trading at $309.60, which is considered extended relative to its 30-day fair value range of $289.02 to $321.14. From a valuation perspective, the stock is trading at a discount (Forward PE: 21.8) compared to its historical average (26.0). Remarkably, the market is currently pricing in an annual earnings decline of 5.8% over the next few years. This pessimistic expectation contrasts with the company's recent 2.2% earnings growth, suggesting potential undervaluation if the company simply maintains stability.

Technical Outlook: Technically, TYL is in a strong downtrend. Immediate support is located at $282.82, while resistance sits at $348.62. Short-term momentum is weak, with the stock down 4.2% recently.

Market Sentiment: TYL has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $435.36 (+34.7%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.

Quick Decision Summary

Current Position EXTENDED
Historical Trading Range $289.02 - $321.14
Company Quality Score 55/100 (HOLD)
Volume Confirmation HIGH
Confidence Score 57.1%

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All Signals

  • BEARISH: Price extended above range
  • BULLISH: Strong technical setup (75/100)
  • BULLISH: High volume confirmation
  • BEARISH: Downward momentum (-4.2%)
  • BULLISH: Trading 34.7% below Wall St target ($435.36)

Trading Range Analysis

30-Day Trading Range $289.02 - $321.14
Current vs Trading Range EXTENDED

Support & Resistance Levels

Support Level $282.82
Resistance Level $348.62
Current Trend Strong Downtrend
Technical data as of Jul 31, 2026

Fundamental Context

Forward P/E (Next Year Est.) 21.79
Wall Street Target $435.36 (+34.7%)
Revenue Growth (YoY) 8.6%
Earnings Growth (YoY) 2.2%
Profit Margin 13.3%
Valuation Discount vs History -5.8% cheaper
PE vs Historical 21.8 vs 26.0 CHEAP
Market-Implied Price Targets If current PE multiple persists
Implied Growth (YoY): -5.8% (market-implied from PE analysis)
1-Year Target $304.56 (-6%)
2-Year Target $286.89 (-11%)
3-Year Target $270.25 (-16%)
3-Yr Target (if PE normalizes) (PE: 22→26) $322.41 (0%)
3-Year Scenarios Using analyst projected EPS growth
Bull: (PE: 21.8, Growth: 15.1%) $492.83 (+52%)
Base: (SPY PE: 20.8, Growth: 15.1%) $470.57 (+46%)
Bear: (PE: 17.7, Growth: 15.1%) $399.99 (+24%)
📈 Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (46x PE), but valuation improves significantly next year (22x PE) as earnings recover.
Trailing PE: 46.06 | Current EPS (TTM): $7.24
Bull Case $733.70 (+137%)
Analyst growth 100.0%, PE expands to 50.7
Base Case $667.00 (+115%)
Market implied 100.0%, PE stable at 46.1
Bear Case $226.78 (-27%)
Severe decline -20.0%, PE contracts to 39.2
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡 Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 21.8 to 26.0
Stabilization Target: $385.70 (+19.3%)
PE Expansion Potential: +19.3%
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Last updated: August 02, 2026 6:52 PM ET
Data refreshes hourly during market hours. Next update: 7:52 PM
🔥 Top Stocks Breaking Out Now
Ticker Score Recommendation Change %
Insider Activity (6 Months)
4
Buys
4
Sells
0
Net
INSIDERS SELLING
Recent Transactions
Gilbert Ray Cisneros, Jr. BUY 2026-03-13
Glenn A Carter SELL 1624 shares 2026-03-12
Jeffrey David Puckett SELL 5174 shares 2026-03-05

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Advanced TYL Option Strategies

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