Comprehensive Stock Comparison
Compare QXO, Inc. (QXO) vs Tyler Technologies, Inc. (TYL) Stock
Analyze side-by-side fundamentals, valuation, growth, and profitability to decide which stock is the better buy.
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Quick Verdict
| Category | Winner | Why |
|---|---|---|
| Growth | QXO | 119.3% revenue growth vs TYL's 9.5% |
| Value | TYL | Lower P/E (28.3x vs 61.6x) |
| Quality / Margins | TYL | 13.5% net margin vs QXO's -4.1% |
| Stability / Safety | TYL | Beta 0.68 vs QXO's 1.25, lower leverage |
| Dividends | QXO | 71.4% yield; 2-year raise streak; TYL pays no meaningful dividend |
| Momentum (1Y) | QXO | +88.0% vs TYL's -41.7% |
| Efficiency (ROA) | TYL | 5.6% ROA vs QXO's -1.8%, ROIC 6.7% vs -3.1% |
Who Each Stock Is For
Income & stability
Growth exposure
Long-term compounding (10Y)
Sleep-well-at-night portfolio
Defensive / Recession hedge
Business Model
What each company does and how it makes money
QXO is a business software and consulting firm that provides enterprise resource planning, accounting, and IT managed services to small and medium-sized businesses. It generates revenue through software licensing and subscriptions — primarily from its ERP and business management platforms — supplemented by consulting, training, and technical support services. The company's moat comes from its deep industry specialization in manufacturing and distribution sectors, where it offers integrated solutions that combine software with specialized consulting expertise.
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 3 of 6 categories (Financial Metrics, Profitability & Efficiency). QXO leads in 1 (Analyst Outlook). 2 tied.
Financial Metrics (TTM)
QXO is the larger business by revenue, generating $6.8B annually — 2.9x TYL's $2.3B. TYL is the more profitable business, keeping 13.5% of every revenue dollar as net income compared to QXO's -4.1%. On growth, QXO holds the edge at +147.8% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | QXOQXO, Inc. | TYLTyler Technologie… |
|---|---|---|
| RevenueTrailing 12 months | $6.8B | $2.3B |
| EBITDAEarnings before interest/tax | $60M | $462M |
| Net IncomeAfter-tax profit | -$279M | $316M |
| Free Cash FlowCash after capex | $183M | $638M |
| Gross MarginGross profit ÷ Revenue | +23.0% | +45.3% |
| Operating MarginEBIT ÷ Revenue | -3.6% | +15.3% |
| Net MarginNet income ÷ Revenue | -4.1% | +13.5% |
| FCF MarginFCF ÷ Revenue | +2.7% | +27.3% |
| Rev. Growth (YoY)Latest quarter vs prior year | +147.8% | +6.3% |
| EPS Growth (YoY)Latest quarter vs prior year | -7.5% | +0.7% |
Valuation Metrics
On an enterprise value basis, TYL's 33.5x EV/EBITDA is more attractive than QXO's 107.3x.
| Metric | QXOQXO, Inc. | TYLTyler Technologie… |
|---|---|---|
| Market CapShares × price | $17.0B | $15.3B |
| Enterprise ValueMkt cap + debt − cash | $19.1B | $15.2B |
| Trailing P/EPrice ÷ TTM EPS | -38.02x | 58.63x |
| Forward P/EPrice ÷ next-FY EPS est. | 61.60x | 28.29x |
| PEG RatioP/E ÷ EPS growth rate | — | 5.51x |
| EV / EBITDAEnterprise value multiple | 107.27x | 33.54x |
| Price / SalesMarket cap ÷ Revenue | 2.48x | 7.14x |
| Price / BookPrice ÷ Book value/share | 0.02x | 4.55x |
| Price / FCFMarket cap ÷ FCF | 92.62x | 25.26x |
Profitability & Efficiency
TYL delivers a 5.6% return on equity — every $100 of shareholder capital generates $6 in annual profit, vs $-3 for QXO. TYL carries lower financial leverage with a 0.19x debt-to-equity ratio, signaling a more conservative balance sheet compared to QXO's 0.46x. On the Piotroski fundamental quality scale (0–9), TYL scores 7/9 vs QXO's 4/9, reflecting strong financial health.
| Metric | QXOQXO, Inc. | TYLTyler Technologie… |
|---|---|---|
| ROE (TTM)Return on equity | -2.9% | +5.6% |
| ROA (TTM)Return on assets | -1.8% | +5.6% |
| ROICReturn on invested capital | -3.1% | +6.7% |
| ROCEReturn on capital employed | -2.5% | +7.7% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 7 |
| Debt / EquityFinancial leverage | 0.46x | 0.19x |
| Net DebtTotal debt minus cash | $2.1B | -$106M |
| Cash & Equiv.Liquid assets | $2.4B | $745M |
| Total DebtShort + long-term debt | $4.5B | $638M |
| Interest CoverageEBIT ÷ Interest expense | -1.79x | 124.09x |
Total Returns (with DRIP)
A $10,000 investment in TYL five years ago would be worth $7,435 today (with dividends reinvested), compared to $1,422 for QXO. Over the past 12 months, QXO leads with a +88.0% total return vs TYL's -41.7%. The 3-year compound annual growth rate (CAGR) favors TYL at 3.4% vs QXO's -38.0% — a key indicator of consistent wealth creation.
| Metric | QXOQXO, Inc. | TYLTyler Technologie… |
|---|---|---|
| YTD ReturnYear-to-date | +21.5% | -18.6% |
| 1-Year ReturnPast 12 months | +88.0% | -41.7% |
| 3-Year ReturnCumulative with dividends | -76.2% | +10.4% |
| 5-Year ReturnCumulative with dividends | -85.8% | -25.6% |
| 10-Year ReturnCumulative with dividends | -47.8% | +194.8% |
| CAGR (3Y)Annualised 3-year return | -38.0% | +3.4% |
Risk & Volatility
TYL is the less volatile stock with a 0.68 beta — it tends to amplify market swings less than QXO's 1.25 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. QXO currently trades 86.7% from its 52-week high vs TYL's 56.6% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | QXOQXO, Inc. | TYLTyler Technologie… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.25x | 0.68x |
| 52-Week HighHighest price in past year | $27.61 | $626.56 |
| 52-Week LowLowest price in past year | $11.97 | $283.72 |
| % of 52W HighCurrent price vs 52-week peak | +86.7% | +56.6% |
| RSI (14)Momentum oscillator 0–100 | 47.5 | 48.7 |
| Avg Volume (50D)Average daily shares traded | 7.4M | 513K |
Analyst Outlook
Wall Street rates QXO as "Buy" and TYL as "Buy". Consensus price targets imply 33.6% upside for TYL (target: $474) vs 25.3% for QXO (target: $30). QXO is the only dividend payer here at 71.38% yield — a key consideration for income-focused portfolios.
| Metric | QXOQXO, Inc. | TYLTyler Technologie… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $30.00 | $473.91 |
| # AnalystsCovering analysts | 3 | 35 |
| Dividend YieldAnnual dividend ÷ price | +71.4% | — |
| Dividend StreakConsecutive years of raises | 2 | 1 |
| Dividend / ShareAnnual DPS | $17.10 | — |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | 0.0% |
Historical Charts
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Chart 1Total Return — 5 Years (Rebased to 100)
| Stock | Mar 20 | Feb 26 | Change |
|---|---|---|---|
| QXO, Inc. (QXO) | 100 | 11.62 | -88.4% |
| Tyler Technologies,… (TYL) | 100 | 109.41 | +9.4% |
Tyler Technologies,… (TYL) returned -26% over 5 years vs QXO, Inc. (QXO)'s -86%.
Chart 2Revenue Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| QXO, Inc. (QXO) | $34M | $6.8B | +19952.2% |
| Tyler Technologies,… (TYL) | $756M | $2.1B | +182.8% |
QXO, Inc.'s revenue grew from $34M (2016) to $6.8B (2025) — a 80.2% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| QXO, Inc. (QXO) | 10.1% | -4.1% | -140.5% |
| Tyler Technologies,… (TYL) | 14.5% | 12.3% | -15.3% |
QXO, Inc.'s net margin went from 10% (2016) to -4% (2025).
Chart 4P/E Ratio History — 8 Years
| Stock | 2017 | 2024 | Change |
|---|---|---|---|
| Tyler Technologies,… (TYL) | 41 | 95.3 | +132.4% |
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 |
|---|---|---|---|
| QXO, Inc. (QXO) | 6.15 | -0.63 | -110.2% |
| Tyler Technologies,… (TYL) | 2.92 | 6.05 | +107.2% |
QXO, Inc.'s EPS grew from $6.15 (2016) to $-0.63 (2025) — a NaN% CAGR.
Chart 6Free Cash Flow — 5 Years
QXO, Inc. generated $183M FCF in 2025 (+164540% vs 2021). Tyler Technologies, Inc. generated $604M FCF in 2024 (+91% vs 2021).
QXO vs TYL: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is QXO or TYL a better buy right now?
Tyler Technologies, Inc. (TYL) offers the better valuation at 58.6x trailing P/E (28.3x forward), making it the more compelling value choice. Analysts rate QXO, Inc. (QXO) a "Buy" — based on 3 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 — QXO or TYL?
On forward P/E, Tyler Technologies, Inc. is actually cheaper at 28.3x.
03Which is the better long-term investment — QXO or TYL?
Over the past 5 years, Tyler Technologies, Inc. (TYL) delivered a total return of -25.6%, compared to -85.8% for QXO, Inc. (QXO). A $10,000 investment in TYL five years ago would be worth approximately $7K today (assuming dividends reinvested). Over 10 years, the gap is even starker: TYL returned +194.8% versus QXO's -47.8%. 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 — QXO or TYL?
By beta (market sensitivity over 5 years), Tyler Technologies, Inc. (TYL) is the lower-risk stock at 0.68β versus QXO, Inc.'s 1.25β — meaning QXO is approximately 83% more volatile than TYL relative to the S&P 500. On balance sheet safety, Tyler Technologies, Inc. (TYL) carries a lower debt/equity ratio of 19% versus 46% for QXO, Inc. — giving it more financial flexibility in a downturn.
05Which has better profit margins — QXO or TYL?
Tyler Technologies, Inc. (TYL) is the more profitable company, earning 12.3% net margin versus -4.1% for QXO, Inc. — meaning it keeps 12.3% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: TYL leads at 14.0% versus -3.6% for QXO. 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.
06Is QXO or TYL more undervalued right now?
On forward earnings alone, Tyler Technologies, Inc. (TYL) trades at 28.3x forward P/E versus 61.6x for QXO, Inc. — 33.3x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for TYL: 33.6% to $473.91.
07Which pays a better dividend — QXO or TYL?
In this comparison, QXO (71.4% yield) pays a dividend. TYL does not pay a meaningful dividend and should not be held primarily for income.
08Is QXO 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%, QXO: -47.8%), 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.
09What are the main differences between QXO and TYL?
These companies operate in different sectors (QXO (Industrials) and TYL (Technology)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced. In terms of investment character: QXO is a mid-cap income-oriented stock; TYL is a mid-cap quality compounder stock. QXO pays a dividend while TYL does not, making them suitable for different income and tax situations. 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.
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