SAIL vs. TYL: SailPoint vs. Tyler Stock Comparison

November 11, 2026

How do SailPoint (SAIL) and Tyler (TYL) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.

Company Profile

SailPoint (SAIL) and Tyler (TYL) are both classified in the Application Software sub-industry within the broader Software industry, placing them in the closest GICS peer bucket.

Tyler (TYL) carries decades of public-market history since March 17, 1980, while SailPoint (SAIL) listed on February 13, 2025 — long-window comparisons have far more historical data on the TYL side.

Company profile comparison for SailPoint (SAIL) and Tyler (TYL)
Profile Item	SAIL	TYL
Name	SailPoint, Inc.	Tyler Technologies Inc.
Country/Region	United States	United States
GICS Sector	Information Technology	Information Technology
GICS Industry Group	Software & Services	Software & Services
GICS Industry	Software	Software
GICS Sub-Industry	Application Software	Application Software
Market Capitalization	10.97 billion USD	16.72 billion USD
Currency	USD	USD
Exchange	Nasdaq	NYSE
Listing Date	February 13, 2025	March 17, 1980
Security Type	Common Stock	Common Stock

Price Performance

Cumulative Growth

SAIL

TYL

GSPC

SailPoint (SAIL) vs. Tyler (TYL), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for SailPoint (SAIL) and Tyler (TYL). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for SailPoint (SAIL) and Tyler (TYL). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for SailPoint (SAIL) and Tyler (TYL)
Metric	SAIL	TYL
Total Return (1Y)	0.45%	-9.12%
Total Return (3Y, Annualized)	--	0.63%
Total Return (5Y, Annualized)	--	-4.91%

Risk Profile

Drawdown History

SAIL

TYL

GSPC

SailPoint (SAIL) vs. Tyler (TYL), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for SailPoint (SAIL) and Tyler (TYL). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

SailPoint (SAIL) carries a highly aggressive beta of 2.06, indicating much higher sensitivity to broad-market moves, whereas Tyler (TYL) is closer to market-like at 0.70 — a noticeable difference in market-sensitivity profile.

Risk profile metrics for SailPoint (SAIL) and Tyler (TYL)
Metric	SAIL	TYL
Volatility (1Y, Annualized)	65.26%	42.71%
Beta (5Y)	2.06	0.70
Max Drawdown (5Y)	-59.18%	-57.44%
Avg. Volume (3M)	4.36M	832.79K

Risk-Adjusted Performance

Risk-Return Positioning

SAIL and TYL are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for SailPoint (SAIL) and Tyler (TYL)
Metric	SAIL	TYL
Sharpe Ratio (1Y)	-0.06	-0.31
Sortino Ratio (1Y)	-0.08	-0.42

Profitability

ROE (TTM)

SailPoint (SAIL) reports a negative ROE of -2.88%; negative ROE can reflect losses or negative shareholders’ equity, so it is harder to read as capital efficiency. Meanwhile Tyler (TYL) reports 10.49%, ranking against industry peers normally.

SAIL

Software & Services industry group

-2.88%

Max: 53.85%
Q3: 17.90%
Median: 6.59%
SAIL: -2.88%
Q1: -9.59%
Min: -50.52%

TYL

Software & Services industry group

10.49%

Max: 53.85%
Q3: 17.90%
TYL: 10.49%
Median: 6.59%
Q1: -9.59%
Min: -50.52%

SailPoint (SAIL) vs. Tyler (TYL): A comparison of their ROE against the Software & Services industry group benchmark.

Net Margin (TTM)

SailPoint (SAIL) reports a negative net margin of -16.92%, usually indicating a net loss over the period. Meanwhile Tyler (TYL) reports 13.51%, ranking against industry peers normally.

SAIL

Software & Services industry group

-16.92%

Max: 41.17%
Q3: 15.28%
Median: 4.63%
Q1: -5.42%
SAIL: -16.92%
Min: -33.17%

TYL

Software & Services industry group

13.51%

Max: 41.17%
Q3: 15.28%
TYL: 13.51%
Median: 4.63%
Q1: -5.42%
Min: -33.17%

SailPoint (SAIL) vs. Tyler (TYL): A comparison of their net margin against the Software & Services industry group benchmark.

Operating Margin (TTM)

SailPoint (SAIL) reports a negative operating margin of -18.85%, usually indicating that operating costs exceeded revenue at the operating-income line. Meanwhile Tyler (TYL) reports 18.07%, ranking against industry peers normally.

SAIL

Software & Services industry group

-18.85%

Max: 46.89%
Q3: 17.64%
Median: 8.73%
Q1: -2.13%
SAIL: -18.85%
Min: -30.45%

TYL

Software & Services industry group

18.07%

Max: 46.89%
TYL: 18.07%
Q3: 17.64%
Median: 8.73%
Q1: -2.13%
Min: -30.45%

SailPoint (SAIL) vs. Tyler (TYL): A comparison of their operating margin against the Software & Services industry group benchmark.

Profitability Metrics

Profitability metrics for SailPoint (SAIL) and Tyler (TYL)
Metric	SAIL	TYL
ROE (TTM)	-2.88%	10.49%
ROA (TTM)	-1.83%	4.40%
Net Margin (TTM)	-16.92%	13.51%
Operating Margin (TTM)	-18.85%	18.07%
Gross Margin (TTM)	66.27%	47.70%

Growth

Revenue Growth

Both SailPoint (SAIL) at 24.35% and Tyler (TYL) at 9.10% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

SailPoint (SAIL) vs. Tyler (TYL): A comparison of their Revenue Growth across different time periods.

EPS Growth

Only one side can be read here: Tyler (TYL) reports EPS growth of 19.01%, ranked against its industry; SailPoint (SAIL) has no EPS growth figure this period.

SailPoint (SAIL) vs. Tyler (TYL): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for SailPoint (SAIL) and Tyler (TYL)
Metric	SAIL	TYL
Revenue Growth (YoY)	24.35%	9.10%
Revenue Growth (3Y CAGR)	--	8.03%
EPS Growth (YoY)	--	19.01%
EPS Growth (3Y CAGR)	--	22.99%

Financial Strength

Current Ratio (MRQ)

Both SailPoint (SAIL) at 1.23 and Tyler (TYL) at 1.33 carry current ratio within their industries’ typical mid-ranges, suggesting balanced short-term liquidity relative to peers.

SAIL

Software & Services industry group

1.23

Max: 5.11
Q3: 2.77
Median: 1.67
SAIL: 1.23
Q1: 1.01
Min: 0.03

TYL

Software & Services industry group

1.33

Max: 5.11
Q3: 2.77
Median: 1.67
TYL: 1.33
Q1: 1.01
Min: 0.03

SailPoint (SAIL) vs. Tyler (TYL): A comparison of their current ratio against the Software & Services industry group benchmark.

Debt / Equity (MRQ)

SailPoint (SAIL) at 0.00 keeps leverage in the lower industry quartile, while Tyler (TYL) at 0.52 runs a more typical debt-to-equity mix.

SAIL

Software & Services industry group

0.00

Max: 2.52
Q3: 1.13
Median: 0.40
Q1: 0.07
SAIL: 0.00
Min: 0.00

TYL

Software & Services industry group

0.52

Max: 2.52
Q3: 1.13
TYL: 0.52
Median: 0.40
Q1: 0.07
Min: 0.00

SailPoint (SAIL) vs. Tyler (TYL): A comparison of their debt-to-equity ratio against the Software & Services industry group benchmark.

Financial Strength Metrics

Financial strength metrics for SailPoint (SAIL) and Tyler (TYL)
Metric	SAIL	TYL
Current Ratio (MRQ)	1.23	1.33
Debt / Equity (MRQ)	0.00	0.52
Net Debt / EBITDA	--	1.21

Dividends

Dividend Yield (TTM)

Neither SailPoint (SAIL) nor Tyler (TYL) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.

SAIL

Software & Services industry group

0.00%

SAIL: 0.00%
Max: 0.00%
Q3: 0.00%
Median: 0.00%
Q1: 0.00%
Min: 0.00%

TYL

Software & Services industry group

0.00%

TYL: 0.00%
Max: 0.00%
Q3: 0.00%
Median: 0.00%
Q1: 0.00%
Min: 0.00%

SailPoint (SAIL) vs. Tyler (TYL): A comparison of their dividend yield against the Software & Services industry group benchmark.

Dividend Payout Ratio (TTM)

Neither SailPoint (SAIL) nor Tyler (TYL) pays a dividend this period — they may reinvest, use buybacks, or simply not return cash through dividends.

SAIL

Software & Services industry group

0.00%

SAIL: 0.00%
Max: 0.00%
Q3: 0.00%
Median: 0.00%
Q1: 0.00%
Min: 0.00%

TYL

Software & Services industry group

0.00%

TYL: 0.00%
Max: 0.00%
Q3: 0.00%
Median: 0.00%
Q1: 0.00%
Min: 0.00%

SailPoint (SAIL) vs. Tyler (TYL): A comparison of their payout ratio against the Software & Services industry group benchmark.

Dividend Metrics

Dividend metrics for SailPoint (SAIL) and Tyler (TYL)
Metric	SAIL	TYL
Dividend Yield (TTM)	0.00%	0.00%
Dividend Payout Ratio (TTM)	0.00%	0.00%

Valuation

P/E Ratio (TTM)

An earnings multiple is available for just one side: Tyler (TYL) trades at 52.50 times trailing earnings, ranked against its peers, while SailPoint (SAIL) has no P/E ratio this period.

SAIL

Software & Services industry group

Max: 112.94
Q3: 60.32
Median: 32.91
Q1: 18.77
Min: 6.69
SAIL: --

TYL

Software & Services industry group

52.50

Max: 112.94
Q3: 60.32
TYL: 52.50
Median: 32.91
Q1: 18.77
Min: 6.69

SailPoint (SAIL) vs. Tyler (TYL): SAIL does not report P/E ratio, so it has no value marker; TYL is benchmarked against the Software & Services industry group.

P/S Ratio (TTM)

Tyler (TYL) at 6.74 is priced about in line with its industry on P/S ratio, while SailPoint (SAIL) at 9.41 sits in the pricier quartile — SAIL costs more per dollar of sales.

SAIL

Software & Services industry group

9.41

Max: 17.91
SAIL: 9.41
Q3: 8.78
Median: 4.25
Q1: 2.23
Min: 0.02

TYL

Software & Services industry group

6.74

Max: 17.91
Q3: 8.78
TYL: 6.74
Median: 4.25
Q1: 2.23
Min: 0.02

SailPoint (SAIL) vs. Tyler (TYL): A comparison of their P/S ratio against the Software & Services industry group benchmark.

P/B Ratio (MRQ)

SailPoint (SAIL) at 1.60 sits in the lower P/B ratio quartile against book while Tyler (TYL) at 6.00 is valued near its industry’s middle — SAIL is cheaper on assets, though weigh it against ROE and asset quality.

SAIL

Software & Services industry group

1.60

Max: 16.63
Q3: 8.50
Median: 4.30
Q1: 1.92
SAIL: 1.60
Min: -3.90

TYL

Software & Services industry group

6.00

Max: 16.63
Q3: 8.50
TYL: 6.00
Median: 4.30
Q1: 1.92
Min: -3.90

SailPoint (SAIL) vs. Tyler (TYL): A comparison of their P/B ratio against the Software & Services industry group benchmark.

Valuation Metrics

Valuation metrics for SailPoint (SAIL) and Tyler (TYL)
Metric	SAIL	TYL
P/E Ratio (TTM)	--	52.50
P/S Ratio (TTM)	9.41	6.74
P/B Ratio (MRQ)	1.60	6.00
Free Cash Flow Yield (TTM)	3.09%	4.12%