TYL Stock Analysis: Buy, Sell, or Hold?
TYL - Tyler Technologies, Inc.
$342.38
1.23 (0.36%)
▲
5d:
+1.22%
30d:
-3.45%
90d:
-25.69%
HOLD
MODERATE Confidence
Analysis Updated: Mar 31, 2026 12:00 AM ET
Earnings: Apr 22, 2026
21d
Smart Money Accumulation
TYL is down 6.6% this week, but smart money is accumulating calls. Top strike: $400 2026-04-17 with 15 OI. Call ratio: 71% View Scanner →
Strength: 5.5/10
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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.
📊 HOLD: TYL shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$534.67
Based on 8.6% avg growth
INTRINSIC VALUE TODAY
$331.99
Trading above fair value
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 $342.38, which is considered fair relative to its 30-day fair value range of $332.75 to $361.22. From a valuation perspective, the stock is trading at a discount (Forward PE: 24.1) compared to its historical average (30.5). Remarkably, the market is currently pricing in an annual earnings decline of 7.5% over the next few years. This pessimistic expectation contrasts with the company's recent 1.1% 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 $327.38, while resistance sits at $357.22.
Market Sentiment: TYL has a weak technical setup (25/100), with bearish trendlines and momentum suggesting caution for short-term entries. In the options market, Implied Volatility is low (0th percentile), suggesting options premiums are relatively cheap. This makes it an attractive time for long options strategies if you have a directional bias. Wall Street analysts see significant upside, with an average price target of $443.48 (+29.5%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, TYL is in a strong downtrend. Immediate support is located at $327.38, while resistance sits at $357.22.
Market Sentiment: TYL has a weak technical setup (25/100), with bearish trendlines and momentum suggesting caution for short-term entries. In the options market, Implied Volatility is low (0th percentile), suggesting options premiums are relatively cheap. This makes it an attractive time for long options strategies if you have a directional bias. Wall Street analysts see significant upside, with an average price target of $443.48 (+29.5%). 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
FAIR
Fair Price Range
$332.75 -
$361.22
Company Quality Score
60/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
59.6%
Protect Your Profits
Holding TYL? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanAll Signals
- NEUTRAL: Price in fair range
- BULLISH: Options cheap (IV 0th percentile)
- BEARISH: Weak technical setup (25/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 29.5% below Wall St target ($443.48)
Fair Price Analysis
30-Day Fair Range
$332.75 -
$361.22
Current vs Fair Value
FAIR
Expected Move (7 Days)
±$22.45
(6.6%)
Support & Resistance Levels
Support Level
$327.38
Resistance Level
$357.22
Current Trend
Strong Downtrend
Technical data as of
Mar 31, 2026
Fundamental Context
Forward P/E (Next Year Est.)
24.13
Wall Street Target
$443.48
(+29.5%)
Revenue Growth (YoY)
6.3%
Earnings Growth (YoY)
1.1%
Profit Margin
13.5%
Valuation Discount vs History
-7.5% cheaper
PE vs Historical
24.1 vs 30.5
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-7.5%
(market-implied from PE analysis)
1-Year Target
$316.70
(-8%)
2-Year Target
$292.95
(-14%)
3-Year Target
$270.98
(-21%)
3-Yr Target (if PE normalizes)
(PE: 24→31)
$342.53
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 24.1, Growth: 13.2%)
$496.34
(+45%)
Base:
(SPY PE: 22.4, Growth: 13.2%)
$459.74
(+34%)
Bear:
(PE: 19.0, Growth: 13.2%)
$390.78
(+14%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (49x PE), but valuation improves significantly next year (24x PE) as earnings recover.
Trailing PE: 48.57 | Current EPS (TTM): $7.21
Bull Case
$758.13
(+117%)
Analyst growth 96.8%, PE expands to 53.4
Base Case
$689.21
(+97%)
Market implied 96.8%, PE stable at 48.6
Bear Case
$238.14
(-32%)
Severe decline -20.0%, PE contracts to 41.3
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 24.1 to 30.5
Stabilization Target:
$432.78
(+26.4%)
PE Expansion Potential:
+26.4%
Share & Embed Analysis
Last updated: March 31, 2026 5:08 PM ET
Data refreshes hourly during market hours. Next update: 6:08 PM
Data refreshes hourly during market hours. Next update: 6:08 PM
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Technical Signals Check
Is TYL showing a specific setup today?
Insider Activity (6 Months)
5
Buys
9
Sells
Net
INSIDERS SELLING
Recent Transactions
Glenn A Carter
SELL
1624 shares
2026-03-12
Jeffrey David Puckett
SELL
5174 shares
2026-03-05
Daniel M Pope
SELL
500 shares
2026-03-02
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Advanced TYL Option Strategies
Professional options setups generated by AI based on today's TYL price and gamma walls.
