WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Uber Technologies Inc generates 2173% more annual revenue ($55.23B vs $2.43B). UBER leads profitability with a 17.3% profit margin vs 13.4%. TYL appears more attractively valued with a PEG of 1.55. UBER earns a higher WallStSmart Score of 64/100 (C+).

TYL

Buy

53

out of 100

Grade: C-

Growth: 6.7Profit: 6.0Value: 4.7Quality: 7.0
Piotroski: 5/9Altman Z: 2.35

UBER

Buy

64

out of 100

Grade: C+

Growth: 8.0Profit: 7.5Value: 5.3Quality: 4.5
Piotroski: 4/9Altman Z: 1.47
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

TYLUndervalued (+2.2%)

Margin of Safety

+2.2%

Fair Value

$347.00

Current Price

$332.46

$14.54 discount

UndervaluedFair: $347.00Overvalued
UBERUndervalued (+1.8%)

Margin of Safety

+1.8%

Fair Value

$71.76

Current Price

$70.82

$0.94 discount

UndervaluedFair: $71.76Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

TYL0 strengths · Avg: 0/10

No standout strengths identified

UBER5 strengths · Avg: 9.0/10
Return on EquityProfitability
35.1%10/10

Every $100 of equity generates 35 in profit

EPS GrowthGrowth
85.5%10/10

Earnings expanding 85.5% YoY

Market CapQuality
$146.39B9/10

Large-cap with strong market position

P/E RatioValuation
15.9x8/10

Attractively priced relative to earnings

Free Cash FlowQuality
$2.79B8/10

Generating 2.8B in free cash flow

Areas to Watch

TYL2 concerns · Avg: 3.0/10
PEG RatioValuation
1.554/10

Expensive relative to growth rate

P/E RatioValuation
44.5x2/10

Premium valuation, high expectations priced in

UBER2 concerns · Avg: 2.0/10
PEG RatioValuation
6.152/10

Expensive relative to growth rate

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, EPS Growth, Market Cap. Profitability is solid with margins at 17.3% and operating margin at 13.3%. Revenue growth of 12.2% demonstrates continued momentum.

Bear Case : TYL

The primary concerns for TYL are PEG Ratio, P/E Ratio. A P/E of 44.5x leaves little room for execution misses.

Bear Case : UBER

The primary concerns for UBER are PEG Ratio, 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 12.2% — sustainability is the question.

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

Bottom Line

UBER scores higher overall (64/100 vs 53/100), backed by strong 17.3% margins and 12.2% 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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