Is Tyler Technologies Stock Built to Withstand More Downside?
Tyler Technologies (TYL) stock is down 15.4% in a day. The recent slide reflects renewed concerns around slower government software spending and project overruns, but sharp drops like this often raise a tougher question: is the weakness temporary, or a sign of deeper cracks in the story?
Before judging its downturn reslience, let’s look at where Tyler Technologies stands today.
- Size: Tyler Technologies is a $12 Bil company with $2.3 Bil in revenue currently trading at $287.04.
- Fundamentals: Last 12 month revenue growth of 10.6% and operating margin of 15.4%.
- Liquidity: Has Debt to Equity ratio of 0.05 and Cash to Assets ratio of 0.17
- Valuation: Tyler Technologies stock is currently trading at P/E multiple of 39.3 and P/EBIT multiple of 32.0
These metrics point to a Strong operational performance, alongside High valuation – making the stock Fairly Priced. For details, see Buy or Sell TYL Stock
That brings us to the key consideration for investors worried about this fall: how resilient is TYL stock if markets turn south? This is where our downturn resilience framework comes in. Suppose TYL stock falls another 20-30% to $201 – can investors comfortably hold on? Turns out, the stock saw an impact slightly better than the S&P 500 index during various economic downturns, based on (a) how much the stock fell and, (b) how quickly it recovered. Below, we dive deeper into each such downturn.
- AI Won’t Kill Software. Here’s How To Hunt For Value
- What Could Rocket Alphabet Stock to New Heights
- The Hidden Dangers Facing Micron Technology Stock
- Cash Machine Trading Cheap – Docusign Stock Set to Run?
- Micron Technology Stock On A Winning Streak: Time To Get In Or Book Profits?
- Is Microsoft Stock Poised for a Rally?
2022 Inflation Shock
- TYL stock fell 47.9% from a high of $552.14 on 16 November 2021 to $287.93 on 4 November 2022 vs. a peak-to-trough decline of 25.4% for the S&P 500.
- However, the stock fully recovered to its pre-Crisis peak by 25 July 2024
- Since then, the stock increased to a high of $646.74 on 13 February 2025 , and currently trades at $287.04
| TYL | S&P 500 | |
|---|---|---|
| % Change from Pre-Recession Peak | -47.9% | -25.4% |
| Time to Full Recovery | 629 days | 464 days |
2020 Covid Pandemic
- TYL stock fell 23.0% from a high of $338.43 on 12 February 2020 to $260.76 on 20 March 2020 vs. a peak-to-trough decline of 33.9% for the S&P 500.
- However, the stock fully recovered to its pre-Crisis peak by 15 May 2020
| TYL | S&P 500 | |
|---|---|---|
| % Change from Pre-Recession Peak | -23.0% | -33.9% |
| Time to Full Recovery | 56 days | 148 days |
2018 Correction
- TYL stock fell 30.7% from a high of $250.80 on 4 September 2018 to $173.85 on 24 December 2018 vs. a peak-to-trough decline of 19.8% for the S&P 500.
- However, the stock fully recovered to its pre-Crisis peak by 8 August 2019
| TYL | S&P 500 | |
|---|---|---|
| % Change from Pre-Recession Peak | -30.7% | -19.8% |
| Time to Full Recovery | 227 days | 120 days |
2008 Global Financial Crisis
- TYL stock fell 35.9% from a high of $17.17 on 28 July 2008 to $11.01 on 20 November 2008 vs. a peak-to-trough decline of 56.8% for the S&P 500.
- However, the stock fully recovered to its pre-Crisis peak by 22 July 2009
| TYL | S&P 500 | |
|---|---|---|
| % Change from Pre-Recession Peak | -35.9% | -56.8% |
| Time to Full Recovery | 244 days | 1,480 days |
Feeling jittery about TYL stock? Consider portfolio approach.
Stock Picking Falls Short For Managing Client Wealth
Managing large client accounts requires more than just picking winners. A robust asset allocation framework helps you scale your practice and deliver consistent risk-adjusted returns.
Client trust is built on consistency. By partnering with our Boston-based wealth management team, advisors gain access to rigorous risk management strategies that look beyond equities. Their approach combines multi-asset diversification with high-conviction equity baskets, such as the Trefis High Quality Portfolio, to smooth out volatility and improve client outcomes.