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Tyler Technologies TYL Provision for Credit Losses

Provision for Credit Losses at other companies

CDW logo
CDWCDW
$5.6M-32.5%
Paychex logo
PaychexPAYX
$16.9M+225%
Toast logo
ToastTOST
$27M+22.7%
BrightSpring Health Services, Inc. logo
BrightSpring Health Services, Inc.BTSG
$10.56M+30.3%

Other financials

Income statement

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Revenue$613.5M+8.6%
Gross profit$296.4M+11.0%
Operating income$99.8M+11.9%
Net income$81.2M+0.2%
EPS (diluted)$1.88+2.2%

Balance sheet

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Cash & equivalents$316.0M-55.2%
Total debt$48.0M-96.1%
Total equity$3.6B+1.3%
Total assets$4.8B-7.6%

Cash flow

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Operating cash flow$107.3M+91.0%
CapEx$3.2M+38.6%
Free cash flow$104.0M+93.3%

Valuation

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Market cap$11.47B-42.0%
Enterprise value$11.21B-44.3%
P/E36.3×-31.9×
P/S4.8×-4.2×

Profitability

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Gross margin46.8%+2.1pp
Operating margin15.5%+0.8pp
Net margin13.3%0.0pp
FCF margin28.9%+1.8pp

Returns & leverage

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Return on equity8.9%+0.1pp
Debt / equity-0.3×
Current ratio+0.1×

Where this comes from

Reported directly by Tyler Technologies in its filing.

Tagged under the XBRL concept us-gaap:ProvisionForDoubtfulAccounts.

The official record: Tyler Technologies’s 10-K, filed February 18, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Tyler Technologies's provision for credit losses?
Tyler Technologies (TYL) reported provision for credit losses of $3.66M in Q4 2025.
How has Tyler Technologies's provision for credit losses changed year-over-year?
Tyler Technologies's provision for credit losses increased by 366.1% year-over-year, from -$1.38M to $3.66M.
What is the long-term trend for Tyler Technologies's provision for credit losses?
Over 4 years (2021 to 2025), Tyler Technologies's provision for credit losses has grown at a 50.8% compound annual growth rate (CAGR), from $2.83M to $14.65M.
What does provision for credit losses mean?
The estimated amount of money the company expects it will not be able to collect from customers.
How do you interpret provision for credit losses?
An increase may signal deteriorating customer credit quality or a more conservative accounting approach to receivables.
How does provision for credit losses compare across companies?
Varies by industry; software companies with strong government contracts typically maintain low credit loss provisions.