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GWRE stock logo

GWRE

Guidewire Software, Inc.

$144.68
-6.66
 (-4.4%)
Exchange:   NYSE
Market Cap:   12.301B
Shares Outstanding:   39.912M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Technology
Industry:  Software – Application
   
CEO:  Michael George Rosenbaum
Full Time Employees:  3507
Address: 
2850 South Delaware Street
San Mateo
CA
94403
US
Website:  https://www.guidewire.com
Guidewire Software, Inc. provides software products for property and casualty insurers worldwide. The company offers Guidewire InsuranceSuite comprising Guidewire PolicyCenter, BillingCenter, and ClaimCenter applications. It also provides Guidewire InsuranceNow, a cloud-based platform that offers policy, billing, and claims management functionality to insurers; and Guidewire InsuranceSuite for Self-Managed. In addition, the company offers Guidewire Rating Management to manage the pricing of insurance products; Guidewire Reinsurance Management to use rules-based logic to execute reinsurance strategy through underwriting and claims processes; Guidewire Client Data Management to capitalize on customer information; and Guidewire Product Content Management that offers software tools and standards-based line-of-business templates to introduce and modify products. Further, it provides Guidewire Underwriting Management, a cloud-based integrated business application; Guidewire AppReader, a submission intake management solution; Guidewire ClaimCenter Package for the London market supports the claims workflow used by London Market insurers and brokers; Guidewire Digital Engagement Applications, which enable insurers to provide digital experiences to customers, agents, vendors, and field personnel through their device of choice; and Guidewire for Salesforce to provide customer information regarding policies and claims. Additionally, the company offers Guidewire Predictive Analytics, a set of cloud-native applications; Guidewire Risk Insights that allows insurers to assess new and evolving risks; Guidewire Business Intelligence that allows insurers to measure business performance; Guidewire DataHub, an operational data store; and Guidewire InfoCenter, a business intelligence warehouse, as well as implementation and integration, and professional services. The company was founded in 2001 and is headquartered in San Mateo, California.

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Revenue Segmentation

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EPS

Historical EPS and analyst estimates in one chart. Log in for the full interactive view and links to detailed estimates.

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View full analyst estimates

Earnings Call

Latest materials on file: Q1 2026 (2025/12/03)

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue905,341980,4971,202,459
Gross Profit458,211583,361752,053
EBITDA-102,5402,20986,364
Operating Income-149,490-52,57341,068
Net Income-111,855-6,10369,804

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets2,027,8882,226,2942,721,099
Total Liabilities828,422883,5621,263,869
Total Stockholders Equity1,199,4661,342,7321,457,230
Total Debt448,576442,919705,255
Cash and Cash Equivalents401,813547,992697,902

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow38,395195,748300,867
Capital Expenditure-17,427-18,527-5,741
Free Cash Flow20,968177,221295,126
Net Income-111,855-6,10369,804
Net Change in Cash-207,896142,394149,910

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2028Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)1,926,298.805Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)1,926,703.475Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)1,926,501.140Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)-124,108.493Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)-124,082.426Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)-124,095.459Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)357,913.105Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)621,635.250Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)489,774.178Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)746,181.051Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)746,337.806Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)746,259.428Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)5.390Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)7.240Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)4.170Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)13Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)4Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
980.497M  ?P/S
 (TTM)
: 
9.17
?Net Income
 (TTM)
: 
-6103000  ?P/E
 (TTM)
: 
64.81
?Enterprise Value
 (TTM)
: 
12.598B  ?EV/FCF
 (TTM)
: 
40.7
?Dividend Yield
 (TTM)
: 
0  ?Payout Ratio
 (TTM)
: 
0
?ROE
 (TTM)
: 
0.13  ?ROIC
 (TTM)
: 
0.04
?Net Debt
 (TTM)
: 
-284384000  ?Debt/Equity
 (TTM)
: 
0.47
?P/B
 (TTM)
: 
8.12  ?Current Ratio
 (TTM)
: 
2.93

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
49.04Full AccessFull AccessFull AccessFull Access

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SWOT 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.


Calculate GWRE Intrinsic Value

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

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

-4.4
MARKETSnap

Trading Metrics:

Open: 146.68   Previous Close: 151.34
Day Low: 143.21   Day High: 149.19
Year Low: 120.37   Year High: 272.6
Price Avg 50: 149.71   Price Avg 200: 206.9
Volume: 817120   Average Volume: 1.685M

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See in Nexus

Relevant news

MyChoice Named to Guidewire Insurtech Vanguards Program
23-03-2026 09:17
MyChoice Named to Guidewire Insurtech Vanguards Program
Guidewire Software, Inc. $GWRE Shares Sold by Aquatic Capital Management LLC
16-03-2026 03:29
Guidewire Software, Inc. $GWRE Shares Sold by Aquatic Capital Management LLC
Guidewire Software: Valuation And Growth Finally Match (Rating Upgrade)
09-03-2026 13:43
Guidewire Software: Valuation And Growth Finally Match (Rating Upgrade)
Guidewire Software (GWRE) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates
05-03-2026 19:01
Guidewire Software (GWRE) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates
American Century Companies Inc. Raises Stock Holdings in Guidewire Software, Inc. $GWRE
03-03-2026 03:08
American Century Companies Inc. Raises Stock Holdings in Guidewire Software, Inc. $GWRE
Guidewire to Announce Second Quarter Fiscal Year 2026 Financial Results on March 5, 2026
19-02-2026 16:15
Guidewire to Announce Second Quarter Fiscal Year 2026 Financial Results on March 5, 2026

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