Comprehensive Stock Comparison
Compare Uber Technologies, Inc. (UBER) 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 | UBER | 18.3% revenue growth vs TYL's 9.5% |
| Value | UBER | Lower P/E (22.4x vs 28.3x) |
| Quality / Margins | UBER | 19.3% net margin vs TYL's 13.5% |
| Stability / Safety | TYL | Beta 0.68 vs UBER's 1.12, lower leverage |
| Dividends | Tie | Neither pays a meaningful dividend |
| Momentum (1Y) | UBER | -0.8% vs TYL's -41.7% |
| Efficiency (ROA) | UBER | 16.3% ROA vs TYL's 5.6%, ROIC 13.6% vs 6.7% |
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
Uber operates a global platform connecting riders with drivers for transportation and connecting consumers with restaurants and stores for delivery services. It generates revenue primarily from its Mobility segment — taking a commission from ride fares — and its Delivery segment — taking fees from restaurant and grocery orders, with both segments contributing roughly equal shares. Its key advantage is its massive two-sided network effect — the more drivers and restaurants on the platform, the better the service for consumers, creating a powerful moat that's difficult for competitors to replicate at scale.
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
UBER leads in 3 of 6 categories (Valuation Metrics, Profitability & Efficiency). TYL leads in 1 (Financial Metrics). 1 tied.
Financial Metrics (TTM)
UBER is the larger business by revenue, generating $52.0B annually — 22.3x TYL's $2.3B. UBER is the more profitable business, keeping 19.3% of every revenue dollar as net income compared to TYL's 13.5%. On growth, UBER holds the edge at +20.1% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | UBERUber Technologies… | TYLTyler Technologie… |
|---|---|---|
| RevenueTrailing 12 months | $52.0B | $2.3B |
| EBITDAEarnings before interest/tax | $6.3B | $462M |
| Net IncomeAfter-tax profit | $10.1B | $316M |
| Free Cash FlowCash after capex | $9.8B | $638M |
| Gross MarginGross profit ÷ Revenue | +39.8% | +45.3% |
| Operating MarginEBIT ÷ Revenue | +10.7% | +15.3% |
| Net MarginNet income ÷ Revenue | +19.3% | +13.5% |
| FCF MarginFCF ÷ Revenue | +18.8% | +27.3% |
| Rev. Growth (YoY)Latest quarter vs prior year | +20.1% | +6.3% |
| EPS Growth (YoY)Latest quarter vs prior year | -95.6% | +0.7% |
Valuation Metrics
At 16.0x trailing earnings, UBER trades at a 73% valuation discount to TYL's 58.6x P/E. On an enterprise value basis, UBER's 25.8x EV/EBITDA is more attractive than TYL's 33.5x.
| Metric | UBERUber Technologies… | TYLTyler Technologie… |
|---|---|---|
| Market CapShares × price | $156.7B | $15.3B |
| Enterprise ValueMkt cap + debt − cash | $162.4B | $15.2B |
| Trailing P/EPrice ÷ TTM EPS | 16.01x | 58.63x |
| Forward P/EPrice ÷ next-FY EPS est. | 22.40x | 28.29x |
| PEG RatioP/E ÷ EPS growth rate | — | 5.51x |
| EV / EBITDAEnterprise value multiple | 25.77x | 33.54x |
| Price / SalesMarket cap ÷ Revenue | 3.01x | 7.14x |
| Price / BookPrice ÷ Book value/share | 5.66x | 4.55x |
| Price / FCFMarket cap ÷ FCF | 16.05x | 25.26x |
Profitability & Efficiency
UBER delivers a 35.8% return on equity — every $100 of shareholder capital generates $36 in annual profit, vs $6 for TYL. TYL carries lower financial leverage with a 0.19x debt-to-equity ratio, signaling a more conservative balance sheet compared to UBER's 0.48x.
| Metric | UBERUber Technologies… | TYLTyler Technologie… |
|---|---|---|
| ROE (TTM)Return on equity | +35.8% | +5.6% |
| ROA (TTM)Return on assets | +16.3% | +5.6% |
| ROICReturn on invested capital | +13.6% | +6.7% |
| ROCEReturn on capital employed | +12.5% | +7.7% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 7 |
| Debt / EquityFinancial leverage | 0.48x | 0.19x |
| Net DebtTotal debt minus cash | -$6.3B | -$106M |
| Cash & Equiv.Liquid assets | $7.7B | $745M |
| Total DebtShort + long-term debt | $13.5B | $638M |
| Interest CoverageEBIT ÷ Interest expense | 17.29x | 124.09x |
Total Returns (with DRIP)
A $10,000 investment in UBER five years ago would be worth $13,864 today (with dividends reinvested), compared to $7,435 for TYL. Over the past 12 months, UBER leads with a -0.8% total return vs TYL's -41.7%. The 3-year compound annual growth rate (CAGR) favors UBER at 31.4% vs TYL's 3.4% — a key indicator of consistent wealth creation.
| Metric | UBERUber Technologies… | TYLTyler Technologie… |
|---|---|---|
| YTD ReturnYear-to-date | -9.0% | -18.6% |
| 1-Year ReturnPast 12 months | -0.8% | -41.7% |
| 3-Year ReturnCumulative with dividends | +126.8% | +10.4% |
| 5-Year ReturnCumulative with dividends | +38.6% | -25.6% |
| 10-Year ReturnCumulative with dividends | +81.4% | +194.8% |
| CAGR (3Y)Annualised 3-year return | +31.4% | +3.4% |
Risk & Volatility
TYL is the less volatile stock with a 0.68 beta — it tends to amplify market swings less than UBER's 1.12 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. UBER currently trades 73.9% from its 52-week high vs TYL's 56.6% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | UBERUber Technologies… | TYLTyler Technologie… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.12x | 0.68x |
| 52-Week HighHighest price in past year | $101.99 | $626.56 |
| 52-Week LowLowest price in past year | $60.63 | $283.72 |
| % of 52W HighCurrent price vs 52-week peak | +73.9% | +56.6% |
| RSI (14)Momentum oscillator 0–100 | 47.6 | 48.7 |
| Avg Volume (50D)Average daily shares traded | 17.0M | 513K |
Analyst Outlook
Wall Street rates UBER as "Buy" and TYL as "Buy". Consensus price targets imply 39.3% upside for UBER (target: $105) vs 33.6% for TYL (target: $474).
| Metric | UBERUber Technologies… | TYLTyler Technologie… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $105.04 | $473.91 |
| # AnalystsCovering analysts | 61 | 35 |
| Dividend YieldAnnual dividend ÷ price | — | — |
| Dividend StreakConsecutive years of raises | — | 1 |
| Dividend / ShareAnnual DPS | — | — |
| Buyback YieldShare repurchases ÷ mkt cap | +4.2% | 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 |
|---|---|---|---|
| Uber Technologies, … (UBER) | 100 | 246.09 | +146.1% |
| Tyler Technologies,… (TYL) | 100 | 109.41 | +9.4% |
Uber Technologies, … (UBER) returned +39% over 5 years vs Tyler Technologies,… (TYL)'s -26%. A $10,000 investment in UBER 5 years ago would be worth $13,864 today (including dividends reinvested).
Chart 2Revenue Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Uber Technologies, … (UBER) | $3.8B | $52.0B | +1252.8% |
| Tyler Technologies,… (TYL) | $756M | $2.1B | +182.8% |
Uber Technologies, Inc.'s revenue grew from $3.8B (2016) to $52.0B (2025) — a 33.6% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Uber Technologies, … (UBER) | -9.6% | 19.3% | +300.8% |
| Tyler Technologies,… (TYL) | 14.5% | 12.3% | -15.3% |
Uber Technologies, Inc.'s net margin went from -10% (2016) to 19% (2025).
Chart 4P/E Ratio History — 9 Years
| Stock | 2017 | 2025 | Change |
|---|---|---|---|
| Uber Technologies, … (UBER) | 70.8 | 17.3 | -75.6% |
| Tyler Technologies,… (TYL) | 41 | 95.3 | +132.4% |
Uber Technologies, Inc. has traded in a 13x–71x P/E range over 3 years; current trailing P/E is ~16x. 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 |
|---|---|---|---|
| Uber Technologies, … (UBER) | -0.24 | 4.71 | +2062.5% |
| Tyler Technologies,… (TYL) | 2.92 | 6.05 | +107.2% |
Uber Technologies, Inc.'s EPS grew from $-0.24 (2016) to $4.71 (2025).
Chart 6Free Cash Flow — 5 Years
Uber Technologies, Inc. generated $10B FCF in 2025 (+1414% vs 2021). Tyler Technologies, Inc. generated $604M FCF in 2024 (+91% vs 2021).
UBER vs TYL: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is UBER or TYL a better buy right now?
Uber Technologies, Inc. (UBER) offers the better valuation at 16.0x trailing P/E (22.4x forward), making it the more compelling value choice. Analysts rate Uber Technologies, Inc. (UBER) a "Buy" — based on 61 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 — UBER or TYL?
On trailing P/E, Uber Technologies, Inc. (UBER) is the cheapest at 16.0x versus Tyler Technologies, Inc. at 58.6x. On forward P/E, Uber Technologies, Inc. is actually cheaper at 22.4x.
03Which is the better long-term investment — UBER or TYL?
Over the past 5 years, Uber Technologies, Inc. (UBER) delivered a total return of +38.6%, compared to -25.6% for Tyler Technologies, Inc. (TYL). A $10,000 investment in UBER five years ago would be worth approximately $14K today (assuming dividends reinvested). Over 10 years, the gap is even starker: TYL returned +194.8% versus UBER's +81.4%. 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 — UBER or TYL?
By beta (market sensitivity over 5 years), Tyler Technologies, Inc. (TYL) is the lower-risk stock at 0.68β versus Uber Technologies, Inc.'s 1.12β — meaning UBER is approximately 64% 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 48% for Uber Technologies, Inc. — giving it more financial flexibility in a downturn.
05Which has better profit margins — UBER or TYL?
Uber Technologies, Inc. (UBER) is the more profitable company, earning 19.3% net margin versus 12.3% for Tyler Technologies, Inc. — meaning it keeps 19.3% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: TYL leads at 14.0% versus 10.7% for UBER. 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 UBER or TYL more undervalued right now?
On forward earnings alone, Uber Technologies, Inc. (UBER) trades at 22.4x forward P/E versus 28.3x for Tyler Technologies, Inc. — 5.9x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for UBER: 39.3% to $105.04.
07Which pays a better dividend — UBER 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.
08Is UBER 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%, UBER: +81.4%), 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 UBER 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: UBER is a mid-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.
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