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GWRE
Guidewire Software, Inc.
$201.32
10.25
(5.36%)
| Exchange: | NYSE |
| Market Cap: | 16.761B |
| Shares Outstanding: | 39.912M |
Delayed data
About The Company
| Sector: | Technology | |||||
| Industry: | Software – Application | |||||
| CEO: | Michael George Rosenbaum | |||||
| Full Time Employees: | 4049 | |||||
| Address: |
| |||||
| Website: | https://www.guidewire.com |
Guidewire Software, Inc. is a global supplier of software solutions tailored for the property and casualty insurance industry. Its primary offering is Guidewire InsuranceSuite, a comprehensive platform that incorporates core applications like PolicyCenter, BillingCenter, and ClaimCenter. The company also furnishes Guidewire InsuranceNow, a cloud-native platform providing integrated policy, billing, and claims administration for insurers, alongside a self-managed version of the InsuranceSuite. Guidewire’s product portfolio extends to specialized management tools, including Rating Management for accurate insurance product pricing, Reinsurance Management for executing rules-based reinsurance strategies throughout underwriting and claims processes, Client Data Management for effective utilization of customer information, and Product Content Management, which provides software tools and standardized templates to streamline the introduction and modification of insurance products. Further innovative solutions encompass Guidewire Underwriting Management, a cloud-based business application; AppReader, designed for efficient submission intake; a specialized Guidewire ClaimCenter Package that supports the unique claims workflows of the London Market; Digital Engagement Applications enabling insurers to deliver seamless digital experiences to customers, agents, and vendors across various devices; and Guidewire for Salesforce, which integrates crucial customer policy and claims data. Additionally, the company provides a robust data and analytics suite, featuring cloud-native Predictive Analytics applications, Risk Insights to help insurers evaluate emerging risks, Business Intelligence tools for performance measurement, DataHub as an operational data store, and InfoCenter for business intelligence warehousing. Guidewire also offers extensive implementation, integration, and professional services to support its clients. Established in 2001, Guidewire Software, Inc. maintains its corporate headquarters in San Mateo, California.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 905,341 | 980,497 | 1,202,459 |
| Gross Profit | 458,211 | 583,361 | 752,053 |
| EBITDA | -102,540 | 2,209 | 86,364 |
| Operating Income | -149,490 | -52,573 | 41,068 |
| Net Income | -111,855 | -6,103 | 69,804 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 2,027,888 | 2,226,294 | 2,721,099 |
| Total Liabilities | 828,422 | 883,562 | 1,263,869 |
| Total Stockholders Equity | 1,199,466 | 1,342,732 | 1,457,230 |
| Total Debt | 448,576 | 442,919 | 705,255 |
| Cash and Cash Equivalents | 401,813 | 547,992 | 697,902 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 38,395 | 195,748 | 300,867 |
| Capital Expenditure | -17,427 | -18,527 | -5,741 |
| Free Cash Flow | 20,968 | 177,221 | 295,126 |
| Net Income | -111,855 | -6,103 | 69,804 |
| Net Change in Cash | -207,896 | 142,394 | 149,910 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2029 | Research Access | Research Access | Research Access | Research Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 2,167,146.236 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (High) | 2,347,635.143 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (Avg) | 2,252,623 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Low) | -151,222.782 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (High) | -139,596.599 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Avg) | -145,102.580 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Low) | 294,841.923 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (High) | 327,146.423 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Avg) | 310,994.173 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Low) | 839,476.955 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (High) | 909,392.070 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Avg) | 872,587.676 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Avg) | 3.610 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (High) | 3.810 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Low) | 3.430 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated Revenue) | 1 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated EPS) | 1 | Research Access | Research Access | Research Access | Research Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Strong Financial Performance: Guidewire Software, Inc. reported robust financial results in its Q2 Fiscal 2025 earnings call, surpassing revenue and earnings expectations. Key metrics such as revenue and operating income reflect consistent growth, supported by positive trends in net cash provided by operating activities as per the latest cash flow statements.
- Market Position in Insurance Software: As a leading provider in the insurance technology sector (per company profile and industry data), GWRE benefits from a specialized focus on software solutions for insurers, positioning it favorably against broader tech competitors.
- Healthy Liquidity and Balance Sheet: The balance sheet data indicates strong cash and cash equivalents alongside a manageable debt-to-equity ratio (TTM), providing financial flexibility for innovation and operational needs.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates GWRE intrinsic value between $31.32 – $31.69 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
[intrinsic_calculator]
Common questions about GWRE valuation
Is Guidewire Software, Inc. (GWRE) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Guidewire Software, Inc. (GWRE) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is GWRE a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether GWRE trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is GWRE’s P/E ratio?
You can see GWRE’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for GWRE?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is GWRE a good long-term investment?
Whether GWRE fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
GWRE
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Daily snapshot
5.36
Trading Metrics:
| Open: | 195 | Previous Close: | 191.07 | |
| Day Low: | 195 | Day High: | 201.69 | |
| Year Low: | 102.3 | Year High: | 272.6 | |
| Price Avg 50: | 148.76 | Price Avg 200: | 157.88 | |
| Volume: | 332994 | Average Volume: | 1.487M |
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Login — it's freeGWRE full analysis
Welcome to MARKETSNAP’s SWOT analysis for Guidewire Software, Inc., a key player in the software space tailored for the insurance industry. If you’re not familiar with Guidewire, let me give you the quick rundown: they’re a company that provides cloud-based software solutions specifically designed for property and casualty insurers. Think of them as the tech backbone helping insurance companies streamline operations, manage claims, and enhance customer experiences. Operating in the broader technology sector, Guidewire has carved out a niche in…
