WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Uber Technologies Inc generates 2155% more annual revenue ($53.69B vs $2.38B). UBER leads profitability with a 15.9% profit margin vs 13.3%. TYL appears more attractively valued with a PEG of 1.55. UBER earns a higher WallStSmart Score of 54/100 (C-).

TYL

Buy

51

out of 100

Grade: C-

Growth: 5.3Profit: 6.5Value: 4.7Quality: 5.8
Piotroski: 4/9Altman Z: 2.40

UBER

Buy

54

out of 100

Grade: C-

Growth: 5.3Profit: 7.5Value: 6.0Quality: 5.5
Piotroski: 4/9Altman Z: 1.47
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

TYLUndervalued (+9.0%)

Margin of Safety

+9.0%

Fair Value

$372.75

Current Price

$324.58

$48.17 discount

UndervaluedFair: $372.75Overvalued
UBERUndervalued (+34.2%)

Margin of Safety

+34.2%

Fair Value

$108.42

Current Price

$75.45

$32.97 discount

UndervaluedFair: $108.42Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

TYL0 strengths · Avg: 0/10

No standout strengths identified

UBER3 strengths · Avg: 9.0/10
Return on EquityProfitability
35.3%10/10

Every $100 of equity generates 35 in profit

Market CapQuality
$156.19B9/10

Large-cap with strong market position

Free Cash FlowQuality
$2.29B8/10

Generating 2.3B in free cash flow

Areas to Watch

TYL3 concerns · Avg: 3.3/10
PEG RatioValuation
1.554/10

Expensive relative to growth rate

EPS GrowthGrowth
2.2%4/10

2.2% earnings growth

P/E RatioValuation
45.7x2/10

Premium valuation, high expectations priced in

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

Expensive relative to growth rate

EPS GrowthGrowth
-84.6%2/10

Earnings declined 84.6%

Altman Z-ScoreHealth
1.472/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : TYL

TYL has a balanced fundamental profile.

Bull Case : UBER

The strongest argument for UBER centers on Return on Equity, Market Cap, Free Cash Flow. Profitability is solid with margins at 15.9% and operating margin at 14.6%. Revenue growth of 14.5% demonstrates continued momentum.

Bear Case : TYL

The primary concerns for TYL are PEG Ratio, EPS Growth, P/E Ratio. A P/E of 45.7x 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 mature play — different risk/reward profiles.

UBER carries more volatility with a beta of 1.16 — expect wider price swings.

UBER is growing revenue faster at 14.5% — sustainability is the question.

UBER generates stronger free cash flow (2.3B), providing more financial flexibility.

Bottom Line

UBER scores higher overall (54/100 vs 51/100), backed by strong 15.9% margins and 14.5% revenue growth. Both earn "Buy" and "Buy" 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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