WallStSmart

Tyler Technologies Inc (TYL)vsUber Technologies Inc (UBER)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Uber Technologies Inc generates 2130% more annual revenue ($52.02B vs $2.33B). UBER leads profitability with a 19.3% profit margin vs 13.5%. TYL appears more attractively valued with a PEG of 1.75. UBER earns a higher WallStSmart Score of 56/100 (C).

TYL

Hold

49

out of 100

Grade: D+

Growth: 7.3Profit: 6.0Value: 7.3Quality: 5.8
Piotroski: 4/9Altman Z: 2.40

UBER

Buy

56

out of 100

Grade: C

Growth: 6.0Profit: 7.5Value: 4.7Quality: 6.0
Piotroski: 4/9Altman Z: 1.47
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

TYLSignificantly Overvalued (-449.7%)

Margin of Safety

-449.7%

Fair Value

$61.72

Current Price

$338.27

$276.55 premium

UndervaluedFair: $61.72Overvalued
UBERSignificantly Overvalued (-122.0%)

Margin of Safety

-122.0%

Fair Value

$32.16

Current Price

$72.34

$40.18 premium

UndervaluedFair: $32.16Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

TYL1 strengths · Avg: 10.0/10
EPS GrowthGrowth
110.0%10/10

Earnings expanding 110.0% YoY

UBER5 strengths · Avg: 8.6/10
Return on EquityProfitability
39.9%10/10

Every $100 of equity generates 40 in profit

Market CapQuality
$153.53B9/10

Large-cap with strong market position

P/E RatioValuation
15.6x8/10

Attractively priced relative to earnings

Revenue GrowthGrowth
20.1%8/10

Revenue surging 20.1% year-over-year

Free Cash FlowQuality
$2.81B8/10

Generating 2.8B in free cash flow

Areas to Watch

TYL2 concerns · Avg: 3.0/10
PEG RatioValuation
1.754/10

Expensive relative to growth rate

P/E RatioValuation
48.6x2/10

Premium valuation, high expectations priced in

UBER3 concerns · Avg: 2.0/10
PEG RatioValuation
4.512/10

Expensive relative to growth rate

EPS GrowthGrowth
-95.6%2/10

Earnings declined 95.6%

Altman Z-ScoreHealth
1.472/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : TYL

The strongest argument for TYL centers on EPS Growth.

Bull Case : UBER

The strongest argument for UBER centers on Return on Equity, Market Cap, P/E Ratio. Profitability is solid with margins at 19.3% and operating margin at 12.3%. Revenue growth of 20.1% demonstrates continued momentum.

Bear Case : TYL

The primary concerns for TYL are PEG Ratio, P/E Ratio. A P/E of 48.6x leaves little room for execution misses.

Bear Case : UBER

The primary concerns for UBER are PEG Ratio, EPS Growth, Altman Z-Score.

Key Dynamics to Monitor

TYL profiles as a value stock while UBER is a growth play — different risk/reward profiles.

UBER carries more volatility with a beta of 1.22 — expect wider price swings.

UBER is growing revenue faster at 20.1% — sustainability is the question.

UBER generates stronger free cash flow (2.8B), providing more financial flexibility.

Bottom Line

UBER scores higher overall (56/100 vs 49/100), backed by strong 19.3% margins and 20.1% revenue growth. Both earn "Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Tyler Technologies Inc

TECHNOLOGY · SOFTWARE - APPLICATION · USA

Tyler Technologies, Inc., based in Plano, Texas, is the largest provider of software to the United States public sector.

Uber Technologies Inc

TECHNOLOGY · SOFTWARE - APPLICATION · USA

Uber Technologies, Inc., commonly known as Uber, is an American technology company. Its services include ride-hailing, food delivery (Uber Eats), package delivery, couriers, freight transportation, and, through a partnership with Lime, electric bicycle and motorized scooter rental. The company is based in San Francisco, California.

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