TYL vs DOCU vs GWRE
161 measures in 16 categories, one definition each, computed from filings and market data.
TYL66.2
Tyler Technologies, Inc.
Technology · Software - Application
$360.87 −0.68%$14.8B mkt cap
Score DNA
GWRE68.7
Guidewire Software, Inc.
Technology · Software - Application
$168.86 −3.95%$13.8B mkt cap
Score DNA
Price, rebased to 100 three years ago
TYL DOCU GWRE · weekly adjusted closesSmart money 8Valuation 16Profitability (TTM) 12Returns on capital 11Growth 17Margin history & stability 7Liquidity (latest quarter) 7Leverage & solvency (latest quarter) 13Efficiency 11Cash flow & earnings quality 7Dividends & buybacks 9Scores & forensic checks 15Per share 7Size (TTM) 8Price performance 9Technicals 4
● marks the highest or lowest value where that direction is plainly stronger (margins, returns, coverage, leverage); multiples and yields are left unmarked. Bars show each stock's percentile within its own industry. n/a: the measure does not apply to lenders and insurers.
Smart money
8 measures| Measure | TYL | DOCU | GWRE |
|---|---|---|---|
| Insider open-market buys, 180d | 0 | 0 | 0 |
| Insider $ bought, 180d | — | — | — |
| Congress purchases, 180d | 1 | 0 | 0 |
| Last Congress purchase | 2026-08-18 | — | — |
| 13F net change in holders | −20 | — | −43 |
| ETFs adding shares, 30d | 474 | 454 | 312 |
| ETFs trimming, 30d | 566 | 297 | 267 |
| Net ETF funds, 30d | −92 | +157 | +45 |
Valuation
16 measures| Measure | TYL | DOCU | GWRE |
|---|---|---|---|
| P/E (TTM) | 45.5x
67th
|
42.3x
66th
|
99.4x
90th
|
| PEG (P/E ÷ 3-yr EPS CAGR) | 1.73
62nd
|
— | — |
| Price / sales | 6.1x
66th
|
4.2x
49th
|
9.4x
84th
|
| Price / book | 4.9x
52nd
|
8.1x
76th
|
11.6x
84th
|
| Price / tangible book | — | 8.8x
55th
|
16.9x
81st
|
| Price / free cash flow | 20.7x
59th
|
11.6x
23rd
|
47.7x
89th
|
| Price / operating cash flow | 20.2x
60th
|
10.5x
25th
|
44.4x
89th
|
| Enterprise value | $15.3B
79th
|
$13.4B
78th
|
$13.8B
79th
|
| EV / sales | 6.3x
72nd
|
4.0x
46th
|
9.4x
87th
|
| EV / EBITDA | 28.0x
64th
|
23.6x
57th
|
64.5x
83rd
|
| EV / EBIT | 37.2x
61st
|
30.2x
56th
|
77.7x
83rd
|
| EV / free cash flow | 21.4x
58th
|
11.1x
23rd
|
47.5x
88th
|
| Earnings yield | 2.2%
60th
|
2.4%
60th
|
1.0%
46th
|
| FCF yield | 4.8%
50th
|
8.6%
81st
|
2.1%
25th
|
| Operating cash flow yield | 4.9%
48th
|
9.5%
79th
|
2.3%
23rd
|
| Graham number (per share) | $112.54
97th
|
$18.50
47th
|
$23.13
55th
|
Profitability (TTM)
12 measures| Measure | TYL | DOCU | GWRE |
|---|---|---|---|
| Gross margin | 46.6%
16th
|
79.5%
76th
|
64.2%
34th
|
| EBITDA margin | 22.5%
69th
|
16.8%
57th
|
14.5%
52nd
|
| Operating margin | 15.1%
71st
|
12.0%
62nd
|
10.2%
56th
|
| EBIT margin | 16.9%
69th
|
13.2%
64th
|
12.0%
59th
|
| Net margin | 13.4%
68th
|
9.8%
59th
|
9.4%
58th
|
| NOPAT margin | 11.7%
65th
|
9.0%
57th
|
8.6%
57th
|
| FCF margin | 29.4%
80th
|
35.7%
87th
|
19.7%
46th
|
| Operating cash flow margin | 30.1%
74th
|
39.4%
89th
|
21.1%
45th
|
| R&D / revenue | 9.4%
23rd
|
19.6%
62nd
|
23.1%
70th
|
| SG&A / revenue | 20.3%
12th
|
47.9%
63rd
|
31.0%
25th
|
| Stock comp / revenue | 6.4%
38th
|
18.0%
87th
|
12.3%
69th
|
| Effective tax rate | 22.6%
74th
|
25.0%
81st
|
15.1%
20th
|
Returns on capital
11 measures| Measure | TYL | DOCU | GWRE |
|---|---|---|---|
| ROE (on average equity) | 9.7%
56th
|
17.8%
73rd
|
10.5%
58th
|
| ROA | 5.8%
62nd
|
8.3%
73rd
|
5.3%
60th
|
| ROIC | 8.1%
52nd
|
26.8%
81st
|
11.2%
59th
|
| ROCE | 8.8%
56th
|
22.2%
83rd
|
9.3%
57th
|
| Return on tangible assets | 7.3%
60th
|
11.2%
76th
|
6.7%
59th
|
| Cash ROIC (OCF / invested capital) | 20.7%
36th
|
117.8%
88th
|
27.3%
47th
|
| Gross profitability (GP / assets) | 19.5%
23rd
|
67.5%
82nd
|
36.8%
49th
|
| ROIC, 3-yr average | 6.5%
56th
|
26.0%
80th
|
4.9%
51st
|
| ROIC, 5-yr average | 6.7%
61st
|
14.6%
78th
|
-2.4%
44th
|
| ROE, 5-yr average | 7.8%
66th
|
11.0%
77th
|
-1.2%
54th
|
| Incremental ROIC | 21.9%
55th
|
-42.6%
23rd
|
-24.8%
27th
|
Growth
17 measures| Measure | TYL | DOCU | GWRE |
|---|---|---|---|
| Revenue growth (TTM YoY) | 8.2%
21st
|
8.6%
24th
|
22.7%
70th
|
| Revenue growth (QoQ) | 5.1%
54th
|
5.5%
55th
|
10.3%
80th
|
| Revenue CAGR, 3 yr | 8.5%
27th
|
8.2%
26th
|
17.7%
69th
|
| Revenue CAGR, 5 yr | 13.9%
38th
|
13.4%
34th
|
14.7%
42nd
|
| Gross profit CAGR, 3 yr | 14.7%
44th
|
8.3%
24th
|
27.4%
81st
|
| Operating income CAGR, 3 yr | 20.6%
51st
|
— | — |
| Net income growth (TTM YoY) | 5.8%
32nd
|
17.4%
45th
|
99.5%
71st
|
| Net income CAGR, 3 yr | 25.5%
71st
|
— | — |
| EPS growth (TTM YoY) | 11.1%
36th
|
28.8%
48th
|
105.9%
73rd
|
| EPS CAGR, 3 yr | 26.4%
68th
|
— | — |
| EPS CAGR, 5 yr | 15.9%
53rd
|
— | — |
| FCF growth (TTM YoY) | 15.1%
31st
|
28.1%
49th
|
-0.2%
12th
|
| FCF CAGR, 3 yr | 39.9%
62nd
|
29.9%
48th
|
140.1%
94th
|
| Operating cash flow CAGR, 3 yr | 33.6%
61st
|
27.8%
49th
|
101.0%
95th
|
| Book value CAGR, 3 yr | 3.9%
47th
|
29.8%
85th
|
-0.8%
33rd
|
| Dividend CAGR, 3 yr | — | — | — |
| Sustainable growth rate | 9.7%
31st
|
17.8%
60th
|
10.5%
33rd
|
Margin history & stability
7 measures| Measure | TYL | DOCU | GWRE |
|---|---|---|---|
| Gross margin, 3-yr average | 43.4%
10th
|
79.3%
73rd
|
62.1%
31st
|
| Operating margin, 3-yr average | 14.3%
73rd
|
7.9%
60th
|
2.7%
47th
|
| Net margin, 3-yr average | 12.4%
66th
|
17.8%
77th
|
4.9%
49th
|
| FCF margin, 3-yr average | 25.6%
70th
|
32.7%
88th
|
20.6%
51st
|
| Revenue stability (0-1) | 0.98
53rd
|
0.97
50th
|
0.90
28th
|
| Earnings stability (0-1) | 0.84
81st
|
0.34
30th
|
0.73
67th
|
| Margin stability (0-1) | 0.93
26th
|
0.98
90th
|
0.88
14th
|
Liquidity (latest quarter)
7 measures| Measure | TYL | DOCU | GWRE |
|---|---|---|---|
| Cash & short-term investments | $970.0M
71st
|
$777.7M
62nd
|
$753.1M
61st
|
| Net cash (− = net debt) | −$485.0M
22nd
|
$594.6M
78th
|
$49.8M
49th
|
| Working capital | $647.5M
74th
|
−$704.1M
7th
|
$522.5M
68th
|
| Current ratio | 1.55
45th
|
0.64
5th
|
1.79
52nd
|
| Quick ratio | 1.55
46th
|
0.64
5th
|
1.79
52nd
|
| Cash ratio (cash + ST investments / current liabilities) | 0.83
43rd
|
0.39
26th
|
1.13
50th
|
| Defensive interval (days) | 820 days
84th
|
185 days
17th
|
498 days
68th
|
Leverage & solvency (latest quarter)
13 measures| Measure | TYL | DOCU | GWRE |
|---|---|---|---|
| Total debt | $1.5B
76th
|
$183.1M
45th
|
$703.3M
66th
|
| Debt / equity | 0.48
61st
|
0.11
33rd
|
0.59
68th
|
| Net debt / equity | 0.16
73rd
|
−0.35
43rd
|
−0.04
58th
|
| Debt / assets | 25.0%
65th
|
4.6%
30th
|
27.3%
69th
|
| Debt / capital | 32.4%
61st
|
9.6%
33rd
|
37.1%
68th
|
| Debt / EBITDA | 2.67
61st
|
0.32
18th
|
3.29
65th
|
| Net debt / EBITDA | 0.89
70th
|
−1.05
40th
|
−0.23
52nd
|
| Interest coverage (EBIT / interest) | 62.9x
90th
|
187.4x
96th
|
13.3x
73rd
|
| Cash interest coverage | 112.0x
89th
|
560.9x
97th
|
23.4x
65th
|
| Debt payback (years of OCF) | 2.0 yrs
64th
|
0.1 yrs
15th
|
2.3 yrs
67th
|
| Liabilities / assets | 47.8%
46th
|
56.6%
58th
|
53.7%
54th
|
| IS credit model rating | AA- | AA- | A+ |
| Implied credit spread (bps) | 100
27th
|
100
27th
|
125
33rd
|
Efficiency
11 measures| Measure | TYL | DOCU | GWRE |
|---|---|---|---|
| Asset turnover | 0.43
33rd
|
0.85
75th
|
0.56
46th
|
| Fixed asset turnover | 12.28
51st
|
5.84
28th
|
14.44
60th
|
| Inventory turnover | — | — | — |
| Receivables turnover | 3.4
14th
|
9.2
72nd
|
6.3
48th
|
| Days sales outstanding | 108 days
87th
|
39 days
30th
|
58 days
53rd
|
| Days inventory outstanding | — | — | — |
| Days payables outstanding | 49 days
69th
|
9 days
11th
|
23 days
39th
|
| Cash conversion cycle (days) | 59 days
86th
|
31 days
58th
|
34 days
64th
|
| Capex / revenue | 0.7%
30th
|
3.7%
77th
|
1.5%
53rd
|
| Capex / depreciation | 0.12
15th
|
1.02
83rd
|
0.60
65th
|
| Operating expense ratio | 32.9%
9th
|
66.3%
56th
|
50.4%
28th
|
Cash flow & earnings quality
7 measures| Measure | TYL | DOCU | GWRE |
|---|---|---|---|
| Operating cash flow / net income | 2.25
61st
|
4.01
80th
|
2.24
60th
|
| FCF / net income | 2.20
66th
|
3.63
79th
|
2.08
63rd
|
| FCF / operating cash flow | 97.7%
74th
|
90.5%
35th
|
93.0%
44th
|
| Capex / operating cash flow | 2.3%
26th
|
9.5%
65th
|
7.0%
56th
|
| Accruals ratio | -7.2%
61st
|
-25.1%
10th
|
-6.5%
65th
|
| Sloan accruals ratio | 8.2%
83rd
|
-9.3%
32nd
|
-18.0%
15th
|
| Earnings quality score (0-1) | 0.75
11th
|
0.75
11th
|
0.75
11th
|
Scores & forensic checks
15 measures| Measure | TYL | DOCU | GWRE |
|---|---|---|---|
| IS score | 66
67th
|
74
84th
|
69
73rd
|
| IS profitability | 48
61st
|
58
70th
|
49
62nd
|
| IS growth | 49
22nd
|
59
36th
|
74
66th
|
| IS value | 35
37th
|
34
35th
|
18
1st
|
| IS momentum | 78
48th
|
86
66th
|
99
91st
|
| IS risk (safety) | 90
57th
|
80
50th
|
100
61st
|
| IS quality | 79
76th
|
82
83rd
|
76
66th
|
| IS balance sheet | 76
57th
|
83
70th
|
85
74th
|
| IS earnings quality | 61
66th
|
49
40th
|
64
74th
|
| IS cash flow | 82
72nd
|
97
96th
|
69
38th
|
| Piotroski F-score (0-9) | 8
85th
|
7
57th
|
7
57th
|
| Altman Z-score | 4.0
60th
|
3.0
50th
|
6.0
72nd
|
| Beneish M-score | −2.82
43rd
|
−3.65
6th
|
−2.50
72nd
|
| Ohlson O-score | −8.33
41st
|
−7.85
53rd
|
−7.86
51st
|
| IS credit score | 83
71st
|
84
71st
|
79
66th
|
Size (TTM)
8 measures| Measure | TYL | DOCU | GWRE |
|---|---|---|---|
| Market cap | $14.8B
79th
|
$14.0B
79th
|
$13.8B
78th
|
| Revenue | $2.4B
76th
|
$3.4B
79th
|
$1.5B
66th
|
| EBITDA | $545.8M
80th
|
$565.0M
81st
|
$213.9M
63rd
|
| Net income | $324.6M
80th
|
$329.9M
81st
|
$139.3M
65th
|
| Free cash flow | $714.3M
81st
|
$1.2B
86th
|
$290.3M
61st
|
| Total assets | $5.8B
76th
|
$4.0B
70th
|
$2.6B
62nd
|
| Shareholders' equity | $3.0B
79th
|
$1.7B
72nd
|
$1.2B
61st
|
| Employees | 7,879
82nd
|
7,044
79th
|
4,174
71st
|
Price performance
9 measures| Measure | TYL | DOCU | GWRE |
|---|---|---|---|
| 1 day | −0.7% | −3.7% | −4.0% |
| 1 week | +9.6% | +5.0% | +0.9% |
| 1 month | +5.7% | +5.7% | +16.4% |
| 3 months | +13.6% | +42.7% | +13.2% |
| 6 months | +5.4% | +63.2% | +20.3% |
| Year to date | −17.1% | +15.1% | −10.0% |
| 1 year | −28.1% | +9.9% | −29.5% |
| 3 years, cumulative | −8.0% | +76.8% | +83.0% |
| 5 years, cumulative | −24.1% | −71.6% | +42.1% |
Technicals
4 measures| Measure | TYL | DOCU | GWRE |
|---|---|---|---|
| RSI 14 | 64.6 | 62.6 | 56.4 |
| From 52-week high | −31.1% | −5.3% | −34.0% |
| From 52-week low | +33.4% | +85.9% | +65.0% |
| Beta | 0.85 | 0.86 | 1.03 |
InsiderStreet reports findings from filings and market data. A comparison is not a recommendation to buy or sell either stock.Every figure is computed in code · data as of 2026-10-17