TWLO vs. TYL: Twilio vs. Tyler Stock Comparison

November 11, 2026

How do Twilio (TWLO) 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

Twilio (TWLO) and Tyler (TYL) both fall under the Software & Services industry group, but TWLO is classified in IT Services while TYL is classified in Software.

Company profile comparison for Twilio (TWLO) and Tyler (TYL)
Profile Item	TWLO	TYL
Name	Twilio Inc. Class A Common Stock	Tyler Technologies Inc.
Country/Region	United States	United States
GICS Sector	Information Technology	Information Technology
GICS Industry Group	Software & Services	Software & Services
GICS Industry	IT Services	Software
GICS Sub-Industry	Internet Services & Infrastructure	Application Software
Market Capitalization	31.26 billion USD	16.72 billion USD
Currency	USD	USD
Exchange	NYSE	NYSE
Listing Date	June 23, 2016	March 17, 1980
Security Type	Common Stock	Common Stock

Price Performance

Cumulative Growth

TWLO

TYL

GSPC

Twilio (TWLO) 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 Twilio (TWLO) and Tyler (TYL). Returns over one year are annualized.

Calendar-Year Returns

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

Performance Metrics

Price performance metrics for Twilio (TWLO) and Tyler (TYL)
Metric	TWLO	TYL
Total Return (1Y)	61.15%	-9.12%
Total Return (3Y, Annualized)	54.31%	0.63%
Total Return (5Y, Annualized)	-7.91%	-4.91%

Risk Profile

Drawdown History

TWLO

TYL

GSPC

Twilio (TWLO) 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 Twilio (TWLO) and Tyler (TYL). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Twilio (TWLO) and Tyler (TYL)
Metric	TWLO	TYL
Volatility (1Y, Annualized)	63.75%	42.71%
Beta (5Y)	1.48	0.70
Max Drawdown (5Y)	-86.25%	-57.44%
Avg. Volume (3M)	3.05M	832.79K

Risk-Adjusted Performance

Risk-Return Positioning

TWLO 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 Twilio (TWLO) and Tyler (TYL)
Metric	TWLO	TYL
Sharpe Ratio (1Y)	0.89	-0.31
Sortino Ratio (1Y)	1.49	-0.42

Profitability

ROE (TTM)

Both Twilio (TWLO) at 14.92% and Tyler (TYL) at 10.49% land near their industries’ usual ROE ranges, so capital efficiency looks broadly in line with peers on both sides.

TWLO

Software & Services industry group

14.92%

Max: 53.85%
Q3: 17.90%
TWLO: 14.92%
Median: 6.59%
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%

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

Net Margin (TTM)

Twilio (TWLO) at 21.82% retains a top-quartile share of revenue as profit, ahead of Tyler (TYL) at 13.51%, which keeps about the industry-typical share.

TWLO

Software & Services industry group

21.82%

Max: 41.17%
TWLO: 21.82%
Q3: 15.28%
Median: 4.63%
Q1: -5.42%
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%

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

Operating Margin (TTM)

Tyler (TYL) at 18.07% operates in the top operating margin quartile, ahead of Twilio (TWLO) at 9.53%, which runs around its industry’s norm.

TWLO

Software & Services industry group

9.53%

Max: 46.89%
Q3: 17.64%
TWLO: 9.53%
Median: 8.73%
Q1: -2.13%
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%

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

Profitability Metrics

Profitability metrics for Twilio (TWLO) and Tyler (TYL)
Metric	TWLO	TYL
ROE (TTM)	14.92%	10.49%
ROA (TTM)	2.69%	4.40%
Net Margin (TTM)	21.82%	13.51%
Operating Margin (TTM)	9.53%	18.07%
Gross Margin (TTM)	48.61%	47.70%

Growth

Revenue Growth

Both Twilio (TWLO) at 13.66% 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.

Twilio (TWLO) 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; Twilio (TWLO) has no EPS growth figure this period.

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

Growth Metrics

Growth metrics for Twilio (TWLO) and Tyler (TYL)
Metric	TWLO	TYL
Revenue Growth (YoY)	13.66%	9.10%
Revenue Growth (3Y CAGR)	9.82%	8.03%
EPS Growth (YoY)	--	19.01%
EPS Growth (3Y CAGR)	--	22.99%

Financial Strength

Current Ratio (MRQ)

Tyler (TYL) at 1.33 keeps current ratio within its industry’s typical mid-range, while Twilio (TWLO) at 4.47 sits above its industry’s typical mid-range — comfortable liquidity, though possibly with more idle current assets relative to peers.

TWLO

Software & Services industry group

4.47

Max: 5.11
TWLO: 4.47
Q3: 2.77
Median: 1.67
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

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

Debt / Equity (MRQ)

Both Twilio (TWLO) at 0.12 and Tyler (TYL) at 0.52 fund their balance sheets with roughly industry-typical debt-to-equity mixes.

TWLO

Software & Services industry group

0.12

Max: 2.52
Q3: 1.13
Median: 0.40
TWLO: 0.12
Q1: 0.07
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

Twilio (TWLO) 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 Twilio (TWLO) and Tyler (TYL)
Metric	TWLO	TYL
Current Ratio (MRQ)	4.47	1.33
Debt / Equity (MRQ)	0.12	0.52
Net Debt / EBITDA	-3.13	1.21

Dividends

Dividend Yield (TTM)

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

TWLO

Software & Services industry group

0.00%

TWLO: 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%

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

Dividend Payout Ratio (TTM)

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

TWLO

Software & Services industry group

0.00%

TWLO: 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%

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

Dividend Metrics

Dividend metrics for Twilio (TWLO) and Tyler (TYL)
Metric	TWLO	TYL
Dividend Yield (TTM)	0.00%	0.00%
Dividend Payout Ratio (TTM)	0.00%	0.00%

Valuation

P/E Ratio (TTM)

Both Twilio (TWLO) at 25.38 and Tyler (TYL) at 52.50 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.

TWLO

Software & Services industry group

25.38

Max: 112.94
Q3: 60.32
Median: 32.91
TWLO: 25.38
Q1: 18.77
Min: 6.69

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

Twilio (TWLO) vs. Tyler (TYL): A comparison of their P/E ratio against the Software & Services industry group benchmark.

P/S Ratio (TTM)

On P/S ratio, both Twilio (TWLO) at 5.36 and Tyler (TYL) at 6.74 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.

TWLO

Software & Services industry group

5.36

Max: 17.91
Q3: 8.78
TWLO: 5.36
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

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

P/B Ratio (MRQ)

On P/B ratio, both Twilio (TWLO) at 3.41 and Tyler (TYL) at 6.00 are valued close to their industries’ norm against book — neither stands out from peers.

TWLO

Software & Services industry group

3.41

Max: 16.63
Q3: 8.50
Median: 4.30
TWLO: 3.41
Q1: 1.92
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

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

Valuation Metrics

Valuation metrics for Twilio (TWLO) and Tyler (TYL)
Metric	TWLO	TYL
P/E Ratio (TTM)	25.38	52.50
P/S Ratio (TTM)	5.36	6.74
P/B Ratio (MRQ)	3.41	6.00
Free Cash Flow Yield (TTM)	3.45%	4.12%