Comprehensive Stock Comparison
Compare Daily Journal Corporation (DJCO) vs Tyler Technologies, Inc. (TYL) Stock
Analyze side-by-side fundamentals, valuation, growth, and profitability to decide which stock is the better buy.
Selected Stocks
Add up to 10 tickers. Use presets or search to get started.
Quick Verdict
| Category | Winner | Why |
|---|---|---|
| Growth | DJCO | 25.4% revenue growth vs TYL's 9.5% |
| Value | DJCO | Lower P/E (6.3x vs 28.3x), PEG 0.07 vs 2.66 |
| Quality / Margins | DJCO | 104.2% net margin vs TYL's 13.5% |
| Stability / Safety | TYL | Beta 0.68 vs DJCO's 0.98 |
| Dividends | Tie | Neither pays a meaningful dividend |
| Momentum (1Y) | DJCO | +29.6% vs TYL's -41.7% |
| Efficiency (ROA) | DJCO | 17.6% ROA vs TYL's 5.6%, ROIC 2.1% vs 6.7% |
Who Each Stock Is For
Income & stability
Growth exposure
Long-term compounding (10Y)
Sleep-well-at-night portfolio
Valuation efficiency (growth/$)
Defensive / Recession hedge
Business Model
What each company does and how it makes money
Daily Journal Corporation is a diversified company operating both traditional newspaper publishing and specialized court software businesses. It generates revenue from newspaper advertising and subscriptions (Traditional Business segment) and from selling case management software systems to courts and justice agencies (Journal Technologies segment). The company's key advantage lies in its specialized legal software expertise—particularly its browser-based court processing systems—which serve a niche market with high switching costs.
Tyler Technologies is a software company that provides integrated information management solutions exclusively for the public sector — including government agencies, courts, schools, and utilities. It generates revenue primarily through enterprise software licensing and maintenance fees (roughly 70% of revenue), appraisal and tax software services (about 20%), and digital government services through its NIC segment (around 10%). The company's key competitive advantage is its deep specialization in public sector workflows — creating high switching costs through mission-critical, integrated systems that span entire government operations.
Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Financial Metrics Comparison
Side-by-side fundamentals across 2 stocks. BestLagging
Financial Scorecard
TYL leads in 2 of 6 categories (Financial Metrics, Profitability & Efficiency). DJCO leads in 2 (Total Returns, Analyst Outlook). 2 tied.
Financial Metrics (TTM)
TYL is the larger business by revenue, generating $2.3B annually — 26.0x DJCO's $90M. DJCO is the more profitable business, keeping 104.2% of every revenue dollar as net income compared to TYL's 13.5%. On growth, DJCO holds the edge at +10.4% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | DJCODaily Journal Cor… | TYLTyler Technologie… |
|---|---|---|
| RevenueTrailing 12 months | $90M | $2.3B |
| EBITDAEarnings before interest/tax | $10M | $462M |
| Net IncomeAfter-tax profit | $93M | $316M |
| Free Cash FlowCash after capex | $9M | $638M |
| Gross MarginGross profit ÷ Revenue | +39.3% | +45.3% |
| Operating MarginEBIT ÷ Revenue | +10.3% | +15.3% |
| Net MarginNet income ÷ Revenue | +104.2% | +13.5% |
| FCF MarginFCF ÷ Revenue | +10.2% | +27.3% |
| Rev. Growth (YoY)Latest quarter vs prior year | +10.4% | +6.3% |
| EPS Growth (YoY)Latest quarter vs prior year | -173.2% | +0.7% |
Valuation Metrics
At 6.3x trailing earnings, DJCO trades at a 89% valuation discount to TYL's 58.6x P/E. Adjusting for growth (PEG ratio), DJCO offers better value at 0.07x vs TYL's 5.51x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | DJCODaily Journal Cor… | TYLTyler Technologie… |
|---|---|---|
| Market CapShares × price | $920M | $15.3B |
| Enterprise ValueMkt cap + debt − cash | $922M | $15.2B |
| Trailing P/EPrice ÷ TTM EPS | 6.26x | 58.63x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 28.29x |
| PEG RatioP/E ÷ EPS growth rate | 0.07x | 5.51x |
| EV / EBITDAEnterprise value multiple | 94.24x | 33.54x |
| Price / SalesMarket cap ÷ Revenue | 10.49x | 7.14x |
| Price / BookPrice ÷ Book value/share | 1.79x | 4.55x |
| Price / FCFMarket cap ÷ FCF | 69.02x | 25.26x |
Profitability & Efficiency
DJCO delivers a 24.3% return on equity — every $100 of shareholder capital generates $24 in annual profit, vs $6 for TYL. DJCO carries lower financial leverage with a 0.06x debt-to-equity ratio, signaling a more conservative balance sheet compared to TYL's 0.19x. On the Piotroski fundamental quality scale (0–9), TYL scores 7/9 vs DJCO's 6/9, reflecting strong financial health.
| Metric | DJCODaily Journal Cor… | TYLTyler Technologie… |
|---|---|---|
| ROE (TTM)Return on equity | +24.3% | +5.6% |
| ROA (TTM)Return on assets | +17.6% | +5.6% |
| ROICReturn on invested capital | +2.1% | +6.7% |
| ROCEReturn on capital employed | +2.2% | +7.7% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 7 |
| Debt / EquityFinancial leverage | 0.06x | 0.19x |
| Net DebtTotal debt minus cash | $2M | -$106M |
| Cash & Equiv.Liquid assets | $21M | $745M |
| Total DebtShort + long-term debt | $23M | $638M |
| Interest CoverageEBIT ÷ Interest expense | 110.03x | 124.09x |
Total Returns (with DRIP)
A $10,000 investment in DJCO five years ago would be worth $14,645 today (with dividends reinvested), compared to $7,435 for TYL. Over the past 12 months, DJCO leads with a +29.6% total return vs TYL's -41.7%. The 3-year compound annual growth rate (CAGR) favors DJCO at 18.8% vs TYL's 3.4% — a key indicator of consistent wealth creation.
| Metric | DJCODaily Journal Cor… | TYLTyler Technologie… |
|---|---|---|
| YTD ReturnYear-to-date | +1.5% | -18.6% |
| 1-Year ReturnPast 12 months | +29.6% | -41.7% |
| 3-Year ReturnCumulative with dividends | +67.8% | +10.4% |
| 5-Year ReturnCumulative with dividends | +46.5% | -25.6% |
| 10-Year ReturnCumulative with dividends | +161.5% | +194.8% |
| CAGR (3Y)Annualised 3-year return | +18.8% | +3.4% |
Risk & Volatility
TYL is the less volatile stock with a 0.68 beta — it tends to amplify market swings less than DJCO's 0.98 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. DJCO currently trades 75.5% from its 52-week high vs TYL's 56.6% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | DJCODaily Journal Cor… | TYLTyler Technologie… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.98x | 0.68x |
| 52-Week HighHighest price in past year | $674.75 | $626.56 |
| 52-Week LowLowest price in past year | $348.63 | $283.72 |
| % of 52W HighCurrent price vs 52-week peak | +75.5% | +56.6% |
| RSI (14)Momentum oscillator 0–100 | 48.2 | 48.7 |
| Avg Volume (50D)Average daily shares traded | 67K | 513K |
Analyst Outlook
| Metric | DJCODaily Journal Cor… | TYLTyler Technologie… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Buy |
| Price TargetConsensus 12-month target | — | $473.91 |
| # AnalystsCovering analysts | — | 35 |
| Dividend YieldAnnual dividend ÷ price | — | — |
| Dividend StreakConsecutive years of raises | 4 | 1 |
| Dividend / ShareAnnual DPS | — | — |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | 0.0% |
Historical Charts
Charts are rendered on first load. Hover for details.
Chart 1Total Return — 5 Years (Rebased to 100)
| Stock | Mar 20 | Feb 26 | Change |
|---|---|---|---|
| Daily Journal Corpo… (DJCO) | 100 | 222.44 | +122.4% |
| Tyler Technologies,… (TYL) | 100 | 109.41 | +9.4% |
Daily Journal Corpo… (DJCO) returned +46% over 5 years vs Tyler Technologies,… (TYL)'s -26%. A $10,000 investment in DJCO 5 years ago would be worth $14,645 today (including dividends reinvested).
Chart 2Revenue Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Daily Journal Corpo… (DJCO) | $42M | $88M | +110.8% |
| Tyler Technologies,… (TYL) | $756M | $2.1B | +182.8% |
Daily Journal Corporation's revenue grew from $42M (2016) to $88M (2025) — a 8.6% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Daily Journal Corpo… (DJCO) | -2.5% | 127.9% | +5201.3% |
| Tyler Technologies,… (TYL) | 14.5% | 12.3% | -15.3% |
Daily Journal Corporation's net margin went from -3% (2016) to 128% (2025).
Chart 4P/E Ratio History — 9 Years
| Stock | 2017 | 2025 | Change |
|---|---|---|---|
| Daily Journal Corpo… (DJCO) | 39.4 | 6 | -84.8% |
| Tyler Technologies,… (TYL) | 41 | 95.3 | +132.4% |
Daily Journal Corporation has traded in a 4x–138x P/E range over 6 years; current trailing P/E is ~6x. Tyler Technologies, Inc. has traded in a 41x–141x P/E range over 8 years; current trailing P/E is ~59x.
Chart 5EPS Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Daily Journal Corpo… (DJCO) | -0.76 | 81.41 | +10811.8% |
| Tyler Technologies,… (TYL) | 2.92 | 6.05 | +107.2% |
Daily Journal Corporation's EPS grew from $-0.76 (2016) to $81.41 (2025).
Chart 6Free Cash Flow — 5 Years
Daily Journal Corporation generated $13M FCF in 2025 (+309% vs 2021). Tyler Technologies, Inc. generated $604M FCF in 2024 (+91% vs 2021).
DJCO vs TYL: Frequently Asked Questions
8 questions · data-driven answers · updated daily
01Is DJCO or TYL a better buy right now?
Daily Journal Corporation (DJCO) offers the better valuation at 6.3x trailing P/E, making it the more compelling value choice. Analysts rate Tyler Technologies, Inc. (TYL) a "Buy" — based on 35 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — DJCO or TYL?
On trailing P/E, Daily Journal Corporation (DJCO) is the cheapest at 6.3x versus Tyler Technologies, Inc. at 58.6x.
03Which is the better long-term investment — DJCO or TYL?
Over the past 5 years, Daily Journal Corporation (DJCO) delivered a total return of +46.5%, compared to -25.6% for Tyler Technologies, Inc. (TYL). A $10,000 investment in DJCO five years ago would be worth approximately $15K today (assuming dividends reinvested). Over 10 years, the gap is even starker: TYL returned +194.8% versus DJCO's +161.5%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — DJCO or TYL?
By beta (market sensitivity over 5 years), Tyler Technologies, Inc. (TYL) is the lower-risk stock at 0.68β versus Daily Journal Corporation's 0.98β — meaning DJCO is approximately 44% more volatile than TYL relative to the S&P 500. On balance sheet safety, Daily Journal Corporation (DJCO) carries a lower debt/equity ratio of 6% versus 19% for Tyler Technologies, Inc. — giving it more financial flexibility in a downturn.
05Which has better profit margins — DJCO or TYL?
Daily Journal Corporation (DJCO) is the more profitable company, earning 127.9% net margin versus 12.3% for Tyler Technologies, Inc. — meaning it keeps 127.9% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: TYL leads at 14.0% versus 10.9% for DJCO. At the gross margin level — before operating expenses — TYL leads at 41.0%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
06Which pays a better dividend — DJCO or TYL?
None of the stocks in this comparison currently pay a material dividend. All are effectively zero-yield and should be held for capital appreciation rather than income.
07Is DJCO or TYL better for a retirement portfolio?
For long-horizon retirement investors, Tyler Technologies, Inc. (TYL) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.68), +194.8% 10Y return). Both have compounded well over 10 years (TYL: +194.8%, DJCO: +161.5%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
08What are the main differences between DJCO and TYL?
Both stocks operate in the Technology sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both. In terms of investment character: DJCO is a small-cap deep-value stock; TYL is a mid-cap quality compounder stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
Find Stocks Like These
Explore pre-built screens for each stock's profile, or build a custom screen to find stocks that beat both.