PAYX vs TYL Stock Comparison
PAYX currently leads TYL in this stock comparison, with AIQ scores of 64 vs 63. The clearest difference is quality, while TYL has the stronger momentum profile.
What is the main difference between PAYX and TYL?
PAYX leads the current stock comparison as Paychex, Inc., with the clearest separation coming from quality and the broader AIQ evidence mix.
AlgovestIQ AIQ Comparison
Paychex, Inc. vs Tyler Technologies, Inc.
PAYX leads
PAYX leads by 1 AIQ points, primarily on Quality, but the lead has narrowed from 8 points over 30 sessions. Wall Street currently favors TYL on target upside.
Fragile: 1 of 6 evidence groups support PAYX, its lead is narrowing, and its current signal state is conflicted.
Paychex, Inc.
Tyler Technologies, Inc.
The Algovestiq AIQ Score currently favors PAYX over TYL, 64 versus 63 as of Oct 21, 2026. PAYX's advantage is driven primarily by stronger quality, while TYL holds the stronger momentum profile. PAYX also shows the weaker technical structure relative to its 50-day moving average, though analyst target upside currently favors TYL. 1 of 6 covered evidence groups favor PAYX today, and the comparison is rated Fragile on stability: the AIQ gap is narrow at 1 points. PAYX lead: Weakening — the AIQ differential moved from 8 to 1 points over 30 sessions.
Compare Paychex, Inc. 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 PAYX and TYL against another ticker
Open a multi-ticker workspace without changing this focused pair page.
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.
- Quality81 vs 53PAYX +28
- Momentum71 vs 95TYL +24
- Value45 vs 49TYL +4
- Risk Resilience55 vs 58Even
1 of 6 evidence groups favor PAYX. PAYX’s edge is concentrated in quality; TYL keeps a meaningful momentum edge.
What changed since the last close
Latest scored session 2026-10-20, compared against the prior scored session 2026-10-19.
No factor moved materially.
No signal started or stopped since the prior session; its 4 active signals are unchanged.
Largest factor move: Momentum +3, not enough on its own to move the overall score.
New signals
- BB Upper Band Breach — bearish, volatility, short horizon
PAYX's lead was unchanged in the latest session.
Deeper signal detail for each name lives on its own signals page — PAYX and TYL both carry a full feed there.
The central trade-off
PAYX (Paychex, Inc.): the stronger current systematic profile, led by quality.
TYL (Tyler Technologies, Inc.): the counter-case, on momentum, value, valuation.
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
PAYXPAYX on the overall AIQ Score, which weights Quality and Value most heavily.
Growth
TYLTYL on combined revenue and EPS growth.
Value
TYLTYL on the peer-relative Value factor, by 4 points.
Momentum
TYLTYL on the Momentum factor, by 24 points.
Lower downside
TYLTYL carries the lower 1-month annualized volatility.
Analyst upside
TYLTYL on implied upside to the consensus price target.
AIQ vs Wall Street
The model and the Street disagree here: AIQ favors PAYX, analyst targets favor TYL. That disagreement is the most useful thing on this page.
| Measure | PAYX | TYL | Note |
|---|---|---|---|
| Implied upside to target | -2.7% | +8% | TYL has more room |
| Target dispersion | +15.5% | +28.3% | Lower is tighter analyst agreement |
| Consensus | Hold | Buy | Context, not a primary driver |
| Analysts covering | 7 | 10 | 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
1 of 6 covered evidence groups favor PAYX. A wide gap backed by one group is a weaker case than a narrow gap backed by five.
| Evidence group | Favors | Reading |
|---|---|---|
| AIQ Score | Even | 64 vs 63 |
| Fundamentals | PAYXon balance | revenue growth -11.2% vs 5.1%; EPS growth -24.4% vs 18.4%; TTM ROE 45.1% vs 9.3%; gross margin 74.3% vs 46.6%; operating margin 38.6% vs 15.1% — PAYX takes 3 of 5 decided legs, not all of them |
| Valuation | TYL | Value 45 vs 49 |
| Technicals | TYL | Price vs 50-day -1.5% vs 9.3%; vs 200-day 9% vs 6.8% |
| Risk Resilience | Even | Risk Resilience 55 vs 58 |
| Analyst expectations | TYL | Target upside -2.7% vs 8% |
✓ agrees with the overall verdict · ✕ points the other way. Groups marked “not covered” lack data on one or both of PAYX 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 narrow at 1 points. (argues the conclusion is provisional)
- Only 1 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 PAYX.
How the comparison changed
120 daily snapshots · Jun 21 – Oct 20PAYX lead: Weakening — the AIQ differential moved from 8 to 1 points over 30 sessions.
- Today
- PAYX +1
- 64 vs 63
- 7 sessions ago
- PAYX +2
- 64 vs 62
- 30 sessions ago
- PAYX +8
- 50 vs 42
- 90 sessions ago
- PAYX +9
- 62 vs 53
The lead changed hands 4 times in this window, most recently on Oct 13 when PAYX moved ahead of TYL.
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 / 1 bearish, conflicted
No signal that the other name lacks.
4 bullish / 2 bearish, conflicted
Only TYL
- BB Upper Band Breach — bearish, volatility, short horizon
- Uptrend Structure Active — bullish, trend, long horizon
Both carry 4 more signals that do not separate them: Golden Cross Active, Keltner Channel Breakout, RSI Overbought, MACD Bullish Crossover.
PAYX 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 -0.11%, AIQ 0 points).
Neither the price nor the AIQ Score moved enough in the latest session to confirm or contradict the other (price -0.37%, 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.
- 1TYL closes the Quality gap — currently 28 points behind, the largest single contributor to PAYX's edge.
- 2TYL's BB Upper Band Breach resolves — a bearish volatility rule currently active against it.
- 3PAYX's conflicting signal state resolves bearish — it currently carries 3 bullish and 1 bearish rules at once.
- 4The narrowing continues — the lead has already given back 7 points over 30 sessions, and a further 1-point move would eliminate PAYX'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
PAYX leads on balance| Metric | PAYX | TYL |
|---|---|---|
| Revenue growth (YoY) | -11.2% | 5.1% |
| EPS growth (YoY) | -24.4% | 18.4% |
| Gross margin | 74.3% | 46.6% |
| Operating margin | 38.6% | 15.1% |
| Return on equity (TTM) | 45.1% | 9.3% |
| Debt to equity | 1.24 | 0.48 |
Performance
Split across windows| Metric | PAYX | TYL |
|---|---|---|
| 1 week (5 sessions) | 6% | 8.7% |
| 1 month (20 sessions) | -1.7% | 13.9% |
| 3 months (63 sessions) | 1.7% | 22.5% |
| 6 months (126 sessions) | 20.2% | 10.5% |
| Year to date | 0.4% | -16.9% |
| 1 year (252 sessions) | -11% | -26.4% |
Technicals
TYL has the stronger structure| Metric | PAYX | TYL |
|---|---|---|
| RSI (14) | 79.1 | 83.8 |
| ADX (14) | 26.4 | 21.3 |
| Price vs 50-day | -1.5% | 9.3% |
| Price vs 200-day | 9% | 6.8% |
| Volatility (1M, annualized) | 40.2% | 31.7% |
Risk
Split| Metric | PAYX | TYL |
|---|---|---|
| Beta | 0.02 | 0.02 |
| Sharpe ratio | -0.37 | -0.59 |
| Sortino ratio | -0.52 | -0.76 |
| Max drawdown | -32.9% | -46.9% |
| Current drawdown | -11.7% | -27.3% |
| Annualized volatility | 30.1% | 41.8% |
| Value at risk (95%) | -3% | -4.1% |
Straight answers
Each answer is regenerated from the current snapshot, not written once and left to age.
Which is better, PAYX or TYL?
On the Algovestiq AIQ Score, PAYX is the stronger of the two as of Oct 21, 2026, scoring 64 against TYL's 63. The edge comes from quality. TYL is not without a case — it holds the better momentum 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 PAYX or TYL the better buy right now?
PAYX carries the stronger systematic profile as of Oct 21, 2026, and the comparison is rated Fragile — 1 of 6 covered evidence groups agree. A Fragile rating means the conclusion is sensitive: the AIQ gap is narrow at 1 points. Treat the lead as provisional.
Why does the AIQ Score favor PAYX over TYL?
The composite weights Quality, Value, Momentum and Risk Resilience. PAYX leads Quality by 28 points; TYL leads Momentum by 24 points; TYL leads Value by 4 points. Where the two split, the factor with the larger weight carries the result.
Which has more analyst upside, PAYX or TYL?
Analyst price targets imply -2.7% upside for PAYX and +8% for TYL, so the Street currently favors TYL. That points the opposite way to the AIQ Score, which favors PAYX. 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, PAYX 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, PAYX or TYL?
TYL on combined revenue and EPS growth. 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, PAYX or TYL?
TYL on the Momentum factor, by 24 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, PAYX or TYL?
TYL is the more resilient of the two, so the other name carries the higher downside risk. TYL carries the lower 1-month annualized volatility. Risk Resilience is a weighted factor in the composite; position sizing usually responds to it more usefully than the buy/avoid decision does.
Is PAYX more profitable than TYL?
PAYX leads on the comparable margin measures — gross margin 74.3% vs 46.6%; operating margin 38.6% vs 15.1%; ttm roe 45.1% vs 9.3%.
Is PAYX's lead over TYL getting stronger or weaker?
PAYX lead: Weakening — the AIQ differential moved from 8 to 1 points over 30 sessions. This is measured from 120 daily comparison snapshots between 2026-06-21 and 2026-10-20. The lead has changed hands 4 times in that window, most recently on 2026-10-13, when PAYX moved ahead of TYL.
What would change the PAYX vs TYL verdict?
The result is a state, not a forecast, so it changes when the underlying evidence changes. Concretely: TYL closes the Quality gap — currently 28 points behind, the largest single contributor to PAYX's edge; TYL's BB Upper Band Breach resolves — a bearish volatility rule currently active against it; PAYX's conflicting signal state resolves bearish — it currently carries 3 bullish and 1 bearish rules at once; the narrowing continues — the lead has already given back 7 points over 30 sessions, and a further 1-point move would eliminate PAYX's advantage entirely.
What do the current signals say about PAYX and TYL?
PAYX: 3 bullish / 1 bearish, conflicted. TYL: 4 bullish / 2 bearish, 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 PAYX is Golden Cross Active (bullish, long horizon). On TYL it is Golden Cross Active (bullish, long horizon).
Compare PAYX and TYL with others
Continue your research
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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.