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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Tyler TechnologiesTYL +4.42%83 Cash-to-Debt is 0.67 as of Jun. 2026, which is 52% below its 10-year median of 1.39. GuruFocus rates TYL with a GF Score™ of 83/100 and a GF Value™ of $565.80 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 2,849 Software companies, Tyler Technologies ranks worse than 71.04% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Tyler Technologies's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.67.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Tyler Technologiescouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Tyler Technologies's Cash-to-Debt or its related term are showing as below:
TYL'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.15 Med: 1.39 Max: No Debt
Current: 0.67
During the past 13 years, Tyler Technologies's highest Cash to Debt Ratio was No Debt. The lowest was 0.15. And the median was 1.39.
TYL's Cash-to-Debt is ranked worse than 71.04% of 2849
companies
in the Software industry
Industry Median: 2.57
vs TYL: 0.67
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Tyler Technologies Cash-to-Debt Related Terms
Tyler Technologies Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Tyler Technologies's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Software - Application subindustry, Tyler Technologies's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Tyler Technologies Cash-to-Debt vs Software Industry
For the Software industry and Technology sector, Tyler Technologies's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Tyler Technologies's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Tyler Technologies (TYL) has a Cash-to-Debt of 0.67 as of Jun. 2026. This is 52% below median its historical median of 1.39. Over the past decade, Tyler Technologies' Cash-to-Debt has ranged from 0.15 to 10,000.00. According to the industry distribution chart, Tyler Technologies ranks #2024 out of 2849 companies in the Software industry, placing it in the top 71%.
Is Tyler Technologies' Cash-to-Debt too high?
Tyler Technologies' current Cash-to-Debt of 0.67 is 52% below median its 10-year median of 1.39. Over the past 10 years, this metric has ranged from a low of 0.15 to a high of 10,000.00. The Software industry median Cash-to-Debt is 2.57. Tyler Technologies' value of 0.67 is 73.9% below this industry median. Based on the distribution chart, Tyler Technologies ranks #2024 out of 2849 companies in the Software industry, which is below the industry midpoint. Overall, Tyler Technologies has a GF Score™ of 83/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Tyler Technologies' Cash-to-Debt compare to DT and U?
According to the Software industry distribution chart, Tyler Technologies ranks #2024 out of 2849 companies for Cash-to-Debt. This places Tyler Technologies in the lower half of its industry. The industry median Cash-to-Debt is 2.57. Tyler Technologies' value of 0.67 is 73.9% below this benchmark. Historically, Tyler Technologies' own Cash-to-Debt has ranged from 0.15 to 10,000.00 over the past decade. While the company's 10-year median is 1.39 vs. the industry median of 2.57, Tyler Technologies has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Software company?
The median Cash-to-Debt among Software companies is 2.57, based on 2,849 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Tyler Technologies's current Cash-to-Debt of 0.67 is 73.9% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Software industry, the median Cash-to-Debt is 2.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tyler Technologies's current Cash-to-Debt is 0.67, which is 52% below median its own 10-year median of 1.39. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Tyler Technologies stock overvalued right now?
Based on GuruFocus' analysis, Tyler Technologies (TYL) is currently considered Significantly Undervalued. The stock's GF Value™ is $565.80, compared to a current price of $346.88 — trading 38.7% below its estimated fair value. The current Cash-to-Debt is 0.67, which is 52% below median its 10-year median of 1.39 and 73.9% below the Software industry median of 2.57. Tyler Technologies' overall GF Score™ is 83/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Tyler Technologies (TYL), the current Cash-to-Debt is 0.67 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Tyler Technologies (TYL) Overvalued in 2026?
Based on GuruFocus' analysis, Tyler Technologies stock appears to be undervalued.
The current stock price of $346.88 is trading 38.7% below its estimated GF Value™ of $565.80.
GuruFocus considers Tyler Technologies to be Significantly Undervalued.
Key valuation signals for TYL:
Cash-to-Debt: 0.67 (52% below median its 10-year median of 1.39)
GF Value™: $565.80 vs. price of $346.88 (38.7% below fair value)
Industry Position: 73.9% below the Software median (#2024 of 2849)
No single metric tells the full story. See the TYL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Tyler Technologies provides a full suite of software solutions and services that address the needs of cities, counties, schools, courts and other local government entities. The company's three core products are Munis, which is the core ERP system, Odyssey, which is the court management system, or CMS, and payments. The company also provides a variety of add-on modules and offers outsourced property tax assessment services.
83GF Score
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