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Stock Ratings / Technology / TYL / dividends
CHKP (80) DOCU (78) U (54) DT (68) ⌘ Pro Terminal →

Tyler Technologies Inc. (TYL) Dividend Safety Gauge & 10-Year DRIP Compounder

$403.94 +2.44% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $406.68

Tyler Technologies Inc. (TYL) earns a Roarable Rating of B (Buy) with 73/100 RQD Confidence. High-quality cash engine (46.5% gross margin, 8% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

ROARABLE B • BUY Cap $15.68B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on TYL Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is TYL stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Tyler Technologies Inc. (NYSE: TYL) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 73/100 at a spot price of $403.94 (+2.44% 1D, market cap $15.68B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 17/20, SEC Balance-Sheet Forensics 16/20, FRED Macro Regime Fit 15/20, and Executive Insider Alignment 12/20. Across 715 tracked Technology issuers, TYL ranks #50 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does TYL compare to CHKP and DOCU in the Technology sector?
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Within the Technology sector (Computer Software: Prepackaged Software), TYL carries a Roarable B (73/100 RQD), trailing P/E of 47.1x, gross margin of 46.5%, and ROIC of 8.1%. By comparison, CHKP (Check Point Software Technologies Ltd.) holds a B+ grade (80/100 RQD, P/E 14.8x, ROIC 20.8%, cap $15.53B) and DOCU (DocuSign Inc.) posts a B+ grade (78/100 RQD, P/E 49.3x, ROIC 10.3%, cap $15.36B). Among the 5-stock peer group, CHKP leads on earnings multiple (14.8x) while CHKP leads on capital efficiency (20.8% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for TYL?
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Per TYL's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000860731), Tyler Technologies Inc. generated $2.33B in revenue (+9.1% YoY), $315.6M in net income, and $637.5M in free cash flow against $5.64B in total assets and $871.3M in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side. Primary risk factors monitored: Priced at 47x earnings—high expectations leave less room for a lukewarm quarter. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $406.69 (+0.68%)🧬 Cannibal Buyback (-1.24% YoY Shares)⚙️ Cash Engine: 13/20 (C) • 27.3% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 73/100 (B) historically ranked in the Top 13% of excess returns over the next 90 days (+7.1% avg 90D alpha vs SPY • 69.0% hit rate).
Audit Bucket Track Record →
RQD QUANT TACHOMETERBUY • B
025507510073
2-of-3 JEV AI Jury Bullish
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B- · Rk B+
Cash (13)Whales (17)SEC (16)Macro (15)CEO (12)
Each axis scored 0–20
12M PRICE TARGET CONE+6.8% Base Target
$509 Bull$431 Base$331 Bear
📬 FREE TYL RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for TYL)Realized 20D OHLCV Swing Band: ±7.7%
Deterministic 5-Pillar Attribution (73/100 Composite)
🔍 WHY TYL SCORES 73/100 (B) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Whale & Options Positioning+17/20 pts (23% of score)

20D Institutional Volume Accumulation (±7.7% realized swing band)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+16/20 pts (22% of score)

Altman Z-Score 5.79 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 9/9

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution12/20 pts (-8 pt drag)

Cannibal Buyback (-1.24% YoY Shares) & executive Form 4 sales trim 8 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
65
Grade C+$350.11+7.3% Next Q
Q2 (-2Q)
68
Grade B-$375.76-4% Next Q
Q3 (-1Q)
70
Grade B$360.90+11.9% Next Q
Current
73
Grade B$403.94+7.1% Hist 90D α
Trajectory: C+ (65) → B (73)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the TYL Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 73/100 (B) score, TYL faces multiple-compression risk if 47.1x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Priced at 47x earnings—high expectations leave less room for a lukewarm quarter.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.24% YoY Shares) — any gross margin slip below 44.0% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($353.48) or 200D SMA ($335.39) invalidates the momentum regime and cuts Target Base ($431.21) toward Bear Floor ($331.23).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $TYL• $4.8M Crowd Pool • Kalshi / Polymarket Composite
Contract: “TYL Beats Next Quarterly Revenue & EPS Consensus + Hyperscaler AI CapEx Holds Record Pace”
YES 73%NO 27%Trade / Inspect Odds →
CASH DIVIDEND + BUYBACK YIELD
1.8% Total Yield
0% Cash ($0.00/yr) + 1.8% Buybacks
PAYOUT SAFETY SPEEDOMETER
74/100 • REINVESTING IN GROWTH + BUYBACKS
FREE CASH FLOW PAYOUT RATIO
0% (100% Reinvested)
Retains cash flow for R&D and share repurchases
INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (6.8% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $19,307

Est. Year-10 Shareholder Yield: $348/yr
$10.7K
Yr 1
$11.4K
Yr 2
$12.2K
Yr 3
$13.0K
Yr 4
$13.9K
Yr 5
$14.8K
Yr 6
$15.8K
Yr 7
$16.9K
Yr 8
$18.1K
Yr 9
$19.3K
Yr 10
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in TYL & A-Rated Leaders

  • ✓12-month Bull/Base/Bear fair-value walkthrough on TYL and its top sector peer
  • ✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
  • ✓Includes nightly RQD rating-change & forensic signal email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?
Join Founding VIP Waitlist (No Card Required) →$100K Arena
TYL // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +23.43%▲ ASCENDING CHANNEL
2026-11-03O $373.9H $403.9L $373.9C $403.9VOL 1.32M
RES: $433.9SUP: $327.6SMA50: $353.5SMA200: $335.4
$462.5$410.5$358.5$306.6$254.6RES $433.9SUP $327.6$403.92026-05-042026-06-182026-08-052026-09-212026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

TYL Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 TYL Butterfly Map → + Track TYL →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
34.8%/yr Implied 5Y Growth

vs. +9.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on TYL today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for TYL. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for TYL today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (TYL)

Technology Rank #50 of 715 ⚔️ CHKP vs TYL Full Matrix →

1. Head-to-Head Technology Peer Comparison (TYL vs. CHKP, DOCU, U, DT)

Industry: Computer Software: Prepackaged Software (222 Tracked Issuers)

Across 715 tracked Technology securities in the Roarable RQD universe, Tyler Technologies Inc. (TYL) ranks #50 by composite RQD confidence (73/100, grade B) and #120 by equity capitalization ($15.68B). Within this direct 5-issuer industry benchmark cohort, CHKP leads on earnings valuation at 14.8x trailing P/E, while CHKP leads on capital efficiency and profitability with 20.8% ROIC and 86.7% gross margin. CHKP currently holds the highest overall quantitative score in the immediate peer group at 80/100 (B+) compared with TYL at 73/100 (B).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
TYL ACTIVE
Tyler Technologies Inc.
B 73/100 47.1x 46.5% 8.1% +2.44% $15.68B Benchmark Subject
CHKP
Check Point Software Technologies Ltd.
B+ 80/100 14.8x 86.7% 20.8% -6.97% $15.53B /chkp-vs-tyl →
DOCU
DocuSign Inc.
B+ 78/100 49.3x 79.4% 10.3% -0.63% $15.36B /docu-vs-tyl →
U
Unity Software Inc.
D+ 54/100 — 74.2% -14.6% +3.10% $16.59B /u-vs-tyl →
DT
Dynatrace Inc.
C+ 68/100 108.1x 81.6% 8.7% -4.44% $16.67B /dt-vs-tyl →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000860731 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Tyler Technologies Inc. (TYL) reported GAAP revenue of $2.33B (+9.1% vs. FY2024 revenue of $2.14B , and +19.5% cumulative change since FY2023) , GAAP net income of $315.6M, operating cash flow of $653.5M, and free cash flow of $637.5M (+5.5% YoY). On the balance sheet, TYL closed FY2025 with $5.64B in total assets against $871.3M in total debt (Altman Z-Score: 5.79, Piotroski F-Score: 9/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $2.33B $315.6M $653.5M $637.5M $5.64B $871.3M
FY2024 (FY) 2024-12-31 $2.14B $263.0M $624.6M $604.1M $5.18B $597.9M
FY2023 (FY) 2023-12-31 $1.95B $165.9M $380.4M $292.6M $8.18B $1.91B

3. TYL Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is TYL stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Tyler Technologies Inc. (NYSE: TYL) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 73/100 at a spot price of $403.94 (+2.44% 1D, market cap $15.68B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 17/20, SEC Balance-Sheet Forensics 16/20, FRED Macro Regime Fit 15/20, and Executive Insider Alignment 12/20. Across 715 tracked Technology issuers, TYL ranks #50 in composite RQD confidence.

How does TYL compare to CHKP and DOCU in the Technology sector?

Within the Technology sector (Computer Software: Prepackaged Software), TYL carries a Roarable B (73/100 RQD), trailing P/E of 47.1x, gross margin of 46.5%, and ROIC of 8.1%. By comparison, CHKP (Check Point Software Technologies Ltd.) holds a B+ grade (80/100 RQD, P/E 14.8x, ROIC 20.8%, cap $15.53B) and DOCU (DocuSign Inc.) posts a B+ grade (78/100 RQD, P/E 49.3x, ROIC 10.3%, cap $15.36B). Among the 5-stock peer group, CHKP leads on earnings multiple (14.8x) while CHKP leads on capital efficiency (20.8% ROIC).

What are the biggest fundamental strengths and SEC risk factors for TYL?

Per TYL's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000860731), Tyler Technologies Inc. generated $2.33B in revenue (+9.1% YoY), $315.6M in net income, and $637.5M in free cash flow against $5.64B in total assets and $871.3M in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side. Primary risk factors monitored: Priced at 47x earnings—high expectations leave less room for a lukewarm quarter. Institutional options positioning shows a 50% call / 50% put premium split.

Where is TYL trading relative to its 50-day, 200-day, and 52-week technical levels?

TYL last traded at $403.94 (+2.44% on volume of 1,261,868 shares), positioning the stock +14.28% above its 50-day simple moving average ($353.48) and +20.44% above its 200-day simple moving average ($335.39). Across its 52-week range of $270.71 to $481.57, TYL sits at the 63.2% percentile with a 14-day RSI of 62.1 (BULLISH MOMENTUM) and an implied next-earnings move of ±7.7% ($372.84 to $435.04).

Direct Sub-Reports: TYL RQD Cockpit TYL 12M Forecast TYL Earnings & Move TYL Dividends & DRIP TYL Insiders & 13F TYL Whale Options TYL Profit Sankey TYL News & Why
ROARABLE RATING BRIEF • RQD 73/100 (B) ✓ SEC XBRL & RQD VERIFIED

TYL — Tyler Technologies Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Tyler Technologies Inc. (TYL) earns a live Roarable RQD composite score of 73/100, corresponding to a B letter grade (Roarable Buy) at a spot price of $403.94 (+2.44% 1D, market capitalization $15.68B).

  • Fundamental Cash Engine (13/20): Anchored by return on invested capital (ROIC) of 8.1%, gross margin of 46.5%, operating margin of 15.3%, and free cash flow yield of 4.29%.
  • Whale 13F & Options Flow (17/20) + Insider Conviction (12/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (15/20) + Forensic Balance Sheet (16/20): Incorporates a 1.29x equity beta, Altman Z-Score of 5.79, Piotroski F-Score of 9/9, and Debt/Equity of 0.22x.

2. Business Model, Unit Margins & SEC Financial Trajectory

Tyler Technologies Inc. Is a NYSE-listed issuer in the Technology sector, classified under Computer Software: Prepackaged Software. It carries a market capitalization of $14.9B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Tyler Technologies Inc. (TYL) reported $2.33B in annual revenue (up from $2.14B in FY2024, +9.1% YoY) and $315.6M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($1.95B revenue, $165.9M net income) through FY2025, TYL scaled operating cash flow to $653.5M and free cash flow to $637.5M, backed by $5.64B in total assets against $871.3M in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (B • RQD 73/100): Big institutional funds and options desks are actively positioning on the bullish side. Clean SEC annual filing review with no major hidden accounting time-bombs. With Fundamental Cash Engine at 13/20 and Institutional Whale Flow at 17/20, sustained execution supports upside toward the upper end of the $270.71 – $481.57 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Priced at 47x earnings—high expectations leave less room for a lukewarm quarter. Investors must weigh 47.1x trailing P/E and 39.5x EV/EBITDA against 15.3% operating margins and a 1.29x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

The butterfly supply-chain graph records no upstream or downstream links and no proprietary signals.

  • Key Question #1: Can TYL sustain or expand its 15.3% operating margin and 8.1% ROIC against Computer Software: Prepackaged Software peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $2.33B and free cash flow of $637.5M, how will capital allocation balance growth reinvestment against $871.3M in total debt?
  • Key Question #3: How sensitive is TYL's 43.8x forward P/E multiple to Technology capital spending cycles and macro interest-rate shifts (Beta 1.29x)?

TYL Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Tyler Technologies Inc. (TYL) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to TYL Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

TYL Bull vs. Bear Conversation Board — What's Your Call at $403.94?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON TYL 🐻 33% BEARISH CONVICTION
1. Pick Your Side on TYL:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
MA MacroHawk_NYC RQD DEBATE OPENER • Cross-Asset Macro Desk 🐂 BULLISH 🎯 Target: $461.33 (+17.0%)
📌 Pinned Debate

Forensic balance sheet is strong, with an Altman Z of 5.79, a Piotroski F of 9/9, and debt-to-equity of 0.22, while net income grew fro

The street is overcomplicating Tyler Technologies Inc. (TYL). Forensic balance sheet is strong, with an Altman Z of 5.79, a Piotroski F of 9/9, and debt-to-equity of 0.22, while net income grew from $165.9M in FY 2023 to $315.6M in FY 2025.. With an RQD score of 73/100 (B) and Forensic Balance Sheet at 16/20, any positive earnings surprise or guidance raise forces underweight funds to chase above $425.84.

EarningsSniper 🐂 BULL

@RedlineAuditor Shorting a 17/20 institutional whale-flow stock at $394.30 is dangerous when funds are rotating into Technology.

RE RedlineAuditor RQD DEBATE OPENER • Accounting Quality Watch 🐻 BEARISH 🎯 Target: $299.67 (-24.0%)
Spot @ $394.30

Valuation & margin reality check on TYL at $394.30 before chasing here

Valuation & margin reality check on TYL at $394.30 before chasing here. Look at the math on TYL: paying 47.1x trailing P/E for 8.1% ROIC and 15.3% operating margins leaves zero margin of safety if Computer Software: Prepackaged Software demand softens. I'd wait for a retest of $346.98 before getting long.

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