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Tyler TechnologiesFRA:TYP +1.41%81 Debt-to-EBITDA is 0.08 as of Mar. 2026, which is 94% below its 10-year median of 1.28. GuruFocus rates FRA:TYP with a GF Score™ of 81/100 and a GF Value™ of €482.57 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 1,714 Software companies, Tyler Technologies ranks better than 88.56% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Tyler Technologies's Debt-to-EBITDA or its related term are showing as below:
FRA:TYP'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.05 Med: 1.28 Max: 4.23
Current: 0.09
During the past 13 years, the highest Debt-to-EBITDA Ratio of Tyler Technologies was 4.23. The lowest was 0.05. And the median was 1.28.
FRA:TYP's Debt-to-EBITDA is ranked better than 88.56% of 1714
companies
in the Software industry
Industry Median: 1.09
vs FRA:TYP: 0.09
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Tyler Technologies Debt-to-EBITDA Related Terms
Tyler Technologies Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Tyler Technologies's Debt-to-EBITDA 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.
For the Software - Application subindustry, Tyler Technologies's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Debt-to-EBITDA vs Software Industry
For the Software industry and Technology sector, Tyler Technologies's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Tyler Technologies's Debt-to-EBITDA 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Mar. 2026) EBITDA data.
Tyler Technologies (FRA:TYP) has a Debt-to-EBITDA of 0.08 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Tyler Technologies. This is 94% below median its historical median of 1.28. Over the past decade, Tyler Technologies' Debt-to-EBITDA has ranged from 0.05 to 4.23. According to the industry distribution chart, Tyler Technologies ranks #196 out of 1714 companies in the Software industry, placing it in the top 11.4%.
Is Tyler Technologies' Debt-to-EBITDA too high?
Tyler Technologies' current Debt-to-EBITDA of 0.08 is 94% below median its 10-year median of 1.28. Over the past 10 years, this metric has ranged from a low of 0.05 to a high of 4.23. The Software industry median Debt-to-EBITDA is 1.09. Tyler Technologies' value of 0.08 is 92.7% below this industry median. Based on the distribution chart, Tyler Technologies ranks #196 out of 1714 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, Tyler Technologies has a GF Score™ of 81/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Tyler Technologies' Debt-to-EBITDA compare to U and DT?
According to the Software industry distribution chart, Tyler Technologies ranks #196 out of 1714 companies for Debt-to-EBITDA. This places Tyler Technologies in the top 11% of its industry — outperforming the majority of peers. The industry median Debt-to-EBITDA is 1.09. Tyler Technologies' value of 0.08 is 92.7% below this benchmark. Historically, Tyler Technologies' own Debt-to-EBITDA has ranged from 0.05 to 4.23 over the past decade. While the company's 10-year median is 1.28 vs. the industry median of 1.09, 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 Debt-to-EBITDA for a Software company?
The median Debt-to-EBITDA among Software companies is 1.09, based on 1,714 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Tyler Technologies's current Debt-to-EBITDA of 0.08 is 92.7% 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 Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Tyler Technologies. For the Software industry, the median Debt-to-EBITDA is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Tyler Technologies's current Debt-to-EBITDA is 0.08, which is 94% below median its own 10-year median of 1.28. 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 (FRA:TYP) is currently considered Significantly Undervalued. The stock's GF Value™ is €482.57, compared to a current price of €274.20 — trading 43.2% below its estimated fair value. The current Debt-to-EBITDA is 0.08, which is 94% below median its 10-year median of 1.28 and 92.7% below the Software industry median of 1.09. Tyler Technologies' overall GF Score™ is 81/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Tyler Technologies (FRA:TYP), the current Debt-to-EBITDA is 0.08 as of Mar. 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 (FRA:TYP) Overvalued in 2026?
Based on GuruFocus' analysis, Tyler Technologies stock appears to be undervalued.
The current stock price of €274.20 is trading 43.2% below its estimated GF Value™ of €482.57.
GuruFocus considers Tyler Technologies to be Significantly Undervalued.
Key valuation signals for FRA:TYP:
Debt-to-EBITDA: 0.08 (94% below median its 10-year median of 1.28)
GF Value™: €482.57 vs. price of €274.20 (43.2% below fair value)
Industry Position: 92.7% below the Software median (#196 of 1714)
No single metric tells the full story. See the FRA:TYP 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.
81GF Score
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