JPM vs TYL Stock Comparison
TYL currently leads JPM in this stock comparison, with AIQ scores of 60 vs 49. The clearest difference is momentum, while JPM has the stronger risk resilience profile.
What is the main difference between JPM and TYL?
TYL leads the current stock comparison as Tyler Technologies, Inc., with the clearest separation coming from momentum and the broader AIQ evidence mix.
AlgovestIQ AIQ Comparison
JPMorgan Chase & Co. vs Tyler Technologies, Inc.
TYL leads
TYL leads by 11 AIQ points, primarily on Momentum and Quality, but the lead has narrowed from 15 points over 30 sessions. Wall Street currently favors JPM on target upside.
Fragile: 3 of 6 evidence groups support TYL, its lead is narrowing, and its current signal state is conflicted.
JPMorgan Chase & Co.
Tyler Technologies, Inc.
The Algovestiq AIQ Score currently favors TYL over JPM, 60 versus 49 as of Nov 7, 2026. TYL's advantage is driven primarily by stronger momentum and quality, while JPM holds the stronger risk resilience profile. TYL also shows the stronger technical structure relative to its 50-day moving average, though analyst target upside currently favors JPM. 3 of 6 covered evidence groups favor TYL today, and the comparison is rated Fragile on stability: only 3 of 6 covered evidence groups agree. TYL lead: Weakening — the AIQ differential moved from 15 to 11 points over 30 sessions.
Compare JPMorgan Chase & Co. and Tyler Technologies, Inc. across the Algovestiq AIQ Score, valuation, quality, momentum, risk, technicals and analyst expectations.
Performance over time
Total return with distributions reinvested, from daily closes.
Total return comparison
Growth of $10,000, distributions reinvested
Split-adjusted closes; each distribution is reinvested at the close on its ex-dividend date. Taxes and trading costs are not modeled.
Compare JPM and TYL against another ticker
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AIQ Factor Divergence
Where the two separate, on the four dimensions behind the AIQ Score. Bars read outward from a shared zero: further from the centre is a wider gap.
- Momentum51 vs 87TYL +36
- Risk Resilience61 vs 50JPM +11
- Quality46 vs 54TYL +8
- Value43 vs 47TYL +4
3 of 6 evidence groups favor TYL. TYL’s edge is concentrated in momentum and quality; JPM keeps a meaningful risk resilience edge.
What changed since the last close
Latest scored session 2026-11-06, compared against the prior scored session 2026-11-05.
No factor moved materially.
New signals
- EMA Ribbon Compression — neutral, trend, medium horizon
Largest factor move: Risk Resilience -1, not enough on its own to move the overall score.
No signal started or stopped since the prior session; its 7 active signals are unchanged.
TYL's lead was unchanged in the latest session.
Deeper signal detail for each name lives on its own signals page — JPM and TYL both carry a full feed there.
The central trade-off
TYL (Tyler Technologies, Inc.): the stronger current systematic profile, led by momentum and quality.
JPM (JPMorgan Chase & Co.): the counter-case, on risk resilience, fundamentals, analyst expectations.
The AIQ Score and Wall Street therefore point in different directions on this pair.
Which one fits your objective
The same two names rank differently depending on what you are optimizing for. All six reads are shown at once — none of them is hidden behind a toggle.
Balanced
TYLTYL on the overall AIQ Score, which weights Quality and Value most heavily.
Growth
EvenGrowth figures are not covered for both names.
Value
TYLTYL on the peer-relative Value factor, by 4 points.
Momentum
TYLTYL on the Momentum factor, by 36 points.
Lower downside
JPMJPM on Risk Resilience, by 11 points.
Analyst upside
JPMJPM on implied upside to the consensus price target.
AIQ vs Wall Street
The model and the Street disagree here: AIQ favors TYL, analyst targets favor JPM. That disagreement is the most useful thing on this page.
| Measure | JPM | TYL | Note |
|---|---|---|---|
| Implied upside to target | +11.5% | -2.4% | JPM has more room |
| Target dispersion | +32.2% | +39% | Lower is tighter analyst agreement |
| Consensus | Buy | Buy | Context, not a primary driver |
| Analysts covering | 11 | 9 | Higher coverage generally improves confidence |
The two are measuring different things. The AIQ Score reads current fundamentals, valuation, trend and risk; analyst targets price forward expectations. A divergence of this kind is either a contrarian opportunity or a sign the model is missing something already priced in — it is worth resolving before acting on either.
Analyst targets are expectations, not predictions. Dispersion matters as much as the midpoint.
AIQ Agreement Matrix
3 of 6 covered evidence groups favor TYL. A wide gap backed by one group is a weaker case than a narrow gap backed by five.
| Evidence group | Favors | Reading |
|---|---|---|
| AIQ Score | TYL | 49 vs 60 |
| Fundamentals | JPM | TTM ROE 17.9% vs 10.2%; gross margin 63.2% vs 47.1%; operating margin 28.2% vs 15.6% |
| Valuation | TYL | Value 43 vs 47 |
| Technicals | TYL | Price vs 50-day -2.1% vs 17.5%; vs 200-day 3.3% vs 25.3% |
| Risk Resilience | JPM | Risk Resilience 61 vs 50 |
| Analyst expectations | JPM | Target upside 11.5% vs -2.4% |
✓ agrees with the overall verdict · ✕ points the other way. Groups marked “not covered” lack data on one or both of JPM and TYL and are excluded from the count.
AIQ Decision Stability
The conclusion is sensitive to small changes. Treat the lead as provisional and watch the flip conditions below.
- The AIQ gap is moderate at 11 points.
- Only 3 of 6 covered evidence groups agree. (argues the conclusion is provisional)
- The leader's advantage has been narrowing. (argues the conclusion is provisional)
- The leader is throwing conflicting signals. (argues the conclusion is provisional)
Stability combines the score gap, how broadly the evidence agrees, how steady the lead has been across daily snapshots, the current signal state on both names, and analyst dispersion on TYL.
How the comparison changed
120 daily snapshots · Jul 8 – Nov 6TYL lead: Weakening — the AIQ differential moved from 15 to 11 points over 30 sessions.
- Today
- TYL +11
- 49 vs 60
- 7 sessions ago
- TYL +8
- 51 vs 59
- 30 sessions ago
- TYL +15
- 47 vs 62
- 90 sessions ago
- TYL +9
- 52 vs 61
The lead changed hands 11 times in this window, most recently on Sep 16 when TYL moved ahead of JPM.
AIQ Signal Divergence
Only the signals that bear on the head-to-head. A conflicted name is carrying bullish and bearish rules at the same time — the technical evidence is not pointing one way.
3 bullish / 0 bearish / 1 neutral
Only JPM
- EMA Ribbon Compression — neutral, trend, medium horizon
5 bullish / 1 bearish / 1 neutral, conflicted
Only TYL
- ATR Expansion - Breakout Mode — neutral, volatility, short horizon (3.66%)
- Keltner Channel Breakout — bullish, volatility, short horizon
- RSI Overbought — bearish, momentum, short horizon
- Uptrend Structure Active — bullish, trend, long horizon
Both carry 3 more signals that do not separate them: Golden Cross Active, EMA Ribbon Expansion Bullish, MACD Bullish Crossover.
TYL leads the comparison while carrying a conflicted signal state, which is one reason the stability rating is not higher.
Price vs model alignment
Whether the latest session's price move confirms what the model did over the same session, or contradicts it.
Neither the price nor the AIQ Score moved enough in the latest session to confirm or contradict the other (price -0.84%, AIQ 0 points).
Neither the price nor the AIQ Score moved enough in the latest session to confirm or contradict the other (price -2.28%, AIQ 0 points).
What would flip this result
A state, not a forecast. These are the specific, observable changes that would reverse the verdict — not a price prediction.
- 1JPM closes the Momentum gap — currently 36 points behind, the largest single contributor to TYL's edge.
- 2JPM's EMA Ribbon Compression turns directional — it is neutral today and would confirm a change in trend.
- 3TYL's conflicting signal state resolves bearish — it currently carries 5 bullish and 1 bearish rules at once.
- 4The narrowing continues — the lead has already given back 4 points over 30 sessions, and a further 11-point move would eliminate TYL's advantage entirely.
The full evidence
Every number behind the verdict. The leader is called above each group so you are not left to solve it from the table.
Fundamentals
JPM leads on balance| Metric | JPM | TYL |
|---|---|---|
| Revenue growth (YoY) | -7.6% | — |
| EPS growth (YoY) | -27.6% | — |
| Gross margin | 63.2% | 47.1% |
| Operating margin | 28.2% | 15.6% |
| Return on equity (TTM) | 17.9% | 10.2% |
| Debt to equity | 3.32 | 0.52 |
Performance
TYL leads 4 of 6 windows| Metric | JPM | TYL |
|---|---|---|
| 1 week (5 sessions) | -0.8% | 6.7% |
| 1 month (20 sessions) | 0.5% | 24.2% |
| 3 months (63 sessions) | -7% | 32% |
| 6 months (126 sessions) | 10.7% | 29.6% |
| Year to date | 3.8% | -7.4% |
| 1 year (252 sessions) | 7.3% | -8.7% |
Technicals
TYL has the stronger structure| Metric | JPM | TYL |
|---|---|---|
| RSI (14) | 50.7 | 70.7 |
| ADX (14) | 14.7 | 30 |
| Price vs 50-day | -2.1% | 17.5% |
| Price vs 200-day | 3.3% | 25.3% |
| Volatility (1M, annualized) | 26.8% | 44.1% |
Risk
JPM is the more resilient| Metric | JPM | TYL |
|---|---|---|
| Beta | 0.8 | -0.1 |
| Sharpe ratio | 0.23 | -0.11 |
| Sortino ratio | 0.32 | -0.15 |
| Max drawdown | -15.5% | -41.8% |
| Current drawdown | -8.4% | -11% |
| Annualized volatility | 22.9% | 42.6% |
| Value at risk (95%) | -2.5% | -4.1% |
Straight answers
Each answer is regenerated from the current snapshot, not written once and left to age.
Which is better, JPM or TYL?
On the Algovestiq AIQ Score, TYL is the stronger of the two as of Nov 7, 2026, scoring 60 against JPM's 49. The edge comes from momentum and quality. JPM is not without a case — it holds the better risk resilience profile, which matters more if that is the objective you are optimizing for. This is a systematic score, not a recommendation: it ranks the two on the same evidence, it does not know your holding period or tax position.
Is JPM or TYL the better buy right now?
TYL carries the stronger systematic profile as of Nov 7, 2026, and the comparison is rated Fragile — 3 of 6 covered evidence groups agree. A Fragile rating means the conclusion is sensitive: only 3 of 6 covered evidence groups agree. Treat the lead as provisional.
Why does the AIQ Score favor TYL over JPM?
The composite weights Quality, Value, Momentum and Risk Resilience. TYL leads Momentum by 36 points; JPM leads Risk Resilience by 11 points; TYL leads Quality by 8 points. Where the two split, the factor with the larger weight carries the result.
Which has more analyst upside, JPM or TYL?
Analyst price targets imply +11.5% upside for JPM and -2.4% for TYL, so the Street currently favors JPM. That points the opposite way to the AIQ Score, which favors TYL. The two are measuring different things: the model reads current fundamentals, valuation, trend and risk; the Street is pricing forward expectations. A divergence of this kind is either a contrarian opportunity or a sign the model is missing something the analysts have already priced — it is the single most useful row on this page to investigate. Analyst targets are expectations, not predictions, and dispersion matters as much as the midpoint.
Which is better value, JPM or TYL?
TYL is the better-valued of the two on the peer-relative Value factor. TYL on the peer-relative Value factor, by 4 points. The Value factor reads valuation relative to sector peers and to the company's own fundamental quality, so it is not the same as simply having the lower multiple.
Which has stronger growth, JPM or TYL?
Growth figures are not covered for both names. Growth here is measured on reported revenue and earnings, not on forward estimates — it describes what the businesses have delivered, not what the Street expects next.
Which has stronger momentum, JPM or TYL?
TYL on the Momentum factor, by 36 points. Momentum is one of the four weighted factors in the AIQ composite. It has documented persistence over three- to twelve-month horizons, which makes it a timing input rather than a reason to hold something indefinitely.
Which is riskier, JPM or TYL?
JPM is the more resilient of the two, so the other name carries the higher downside risk. JPM on Risk Resilience, by 11 points. Risk Resilience is a weighted factor in the composite; position sizing usually responds to it more usefully than the buy/avoid decision does.
Is JPM more profitable than TYL?
JPM leads on the comparable margin measures — gross margin 63.2% vs 47.1%; operating margin 28.2% vs 15.6%; ttm roe 17.9% vs 10.2%.
Is TYL's lead over JPM getting stronger or weaker?
TYL lead: Weakening — the AIQ differential moved from 15 to 11 points over 30 sessions. This is measured from 120 daily comparison snapshots between 2026-07-08 and 2026-11-06. The lead has changed hands 11 times in that window, most recently on 2026-09-16, when TYL moved ahead of JPM.
What would change the JPM vs TYL verdict?
The result is a state, not a forecast, so it changes when the underlying evidence changes. Concretely: JPM closes the Momentum gap — currently 36 points behind, the largest single contributor to TYL's edge; JPM's EMA Ribbon Compression turns directional — it is neutral today and would confirm a change in trend; TYL's conflicting signal state resolves bearish — it currently carries 5 bullish and 1 bearish rules at once; the narrowing continues — the lead has already given back 4 points over 30 sessions, and a further 11-point move would eliminate TYL's advantage entirely.
What do the current signals say about JPM and TYL?
JPM: 3 bullish / 0 bearish / 1 neutral. TYL: 5 bullish / 1 bearish / 1 neutral, conflicted. A conflicted state means bullish and bearish rules are active on the same name at once — the technical evidence is not pointing one way, and a decision taken on it carries more timing risk. The most decision-relevant rule on JPM is Golden Cross Active (bullish, long horizon). On TYL it is Golden Cross Active (bullish, long horizon).
Compare JPM and TYL with others
Continue your research
This page answers which of the two. These answer the questions on either side of it.
How this comparison is scored
The Algovestiq AIQ Score composites four factors — Quality, Value, Momentum and Risk, each carrying a fixed weight. Sentiment is reported separately as SentimentPulse and is not folded into the composite. Scores refresh every trading day, and this page regenerates from the latest snapshot rather than being written once.
The verdict names a leader, states how broadly six independent evidence groups agree, and rates how durable that conclusion is given the score gap, its recent trajectory and the current signal state on both names.
How to use side-by-side comparison →This comparison is informational and educational, not investment advice. AIQ scores update daily; re-check after earnings, guidance or macro data that materially changes either name’s factor profile.