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GWRE stock logo

GWRE

Guidewire Software, Inc.

$144.29
-0.69
 (-0.48%)
Exchange:  NYSE
Market Cap:  12.013B
Shares Outstanding:  39.912M
Delayed data
Calculate GWRE Intrinsic Value
5-year outlook →
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  TechnologyView sector performance
Industry:  Software – ApplicationView industry performance
   
CEO:  Michael George Rosenbaum
Full Time Employees:  4174
Address: 
970 Park Pl
San Mateo
CA
94403
US
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

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GWRE full analysis

08/12/2025

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…

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Industry Peers

TICKERCOMPANYMKT CAPP/EFWD P/EROIC
GWGWRE logoGWREGuidewire Software, Inc.12.0B85.448.96.7%
MAMANH logoMANHManhattan Associates, Inc.12.3B57.339.290.9%
AUAUR logoAURAurora Innovation, Inc.12.4B——-46.9%
CHCHYM logoCHYMChime Financial, Inc. Class A Common S…11.6B—65.9-2.6%
FRFROG logoFROGJFrog Ltd.11.2B—94.7-6.6%
GRGRAB logoGRABGrab Holdings Limited11.1B20.925.42.7%

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

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2025/12/03 — Q1 quarter 2026

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202420252026
Revenue980,4971,202,4591,475,363
Gross Profit583,361752,053947,368
EBITDA2,20986,364213,895
Operating Income-52,57341,068150,322
Net Income-6,10369,804139,284

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(* All numbers are in thousands)

Balance Sheet

Year202420252026
Total Assets2,226,2942,721,0992,576,946
Total Liabilities883,5621,263,8691,383,258
Total Stockholders Equity1,342,7321,457,2301,193,687
Total Debt442,919705,255703,300
Cash and Cash Equivalents547,992697,902372,887

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(* All numbers are in thousands)

Cash Flow Statement

Year202420252026
Operating Cash Flow195,748300,867389,716
Capital Expenditure-18,527-5,741-12,056
Free Cash Flow177,221295,126377,660
Net Income-6,10369,804139,283
Net Change in Cash142,394149,9100

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2029Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Low)2,205,483.441Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (High)2,428,163.742Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Avg)2,294,815.744Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Low)741,761.865Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (High)917,263.284Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Avg)840,882.684Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Low)514,790.354Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (High)644,510.410Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Avg)588,054.480Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Low)816,791.998Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (High)899,260.760Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Avg)849,875.861Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Avg)6.840Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (High)7.710Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Low)6.160Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated Revenue)6Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated EPS)3Research AccessResearch AccessResearch AccessResearch Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
980.497M  ?P/S
 (TTM)
: 
7.95
?Net Income
 (TTM)
: 
-6103000  ?P/E
 (TTM)
: 
85.41
?Enterprise Value
 (TTM)
: 
12.063B  ?EV/FCF
 (TTM)
: 
41.56
?Dividend Yield
 (TTM)
: 
0%  ?Payout Ratio
 (TTM)
: 
0%
?ROE
 (TTM)
: 
10.03%  ?ROIC
 (TTM)
: 
6.67%
?Net Debt
 (TTM)
: 
-284384000  ?Debt/Equity
 (TTM)
: 
0.59
?P/B
 (TTM)
: 
9.78  ?Current Ratio
 (TTM)
: 
1.79

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Forward P/E Ratios

?

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

Forward P/E 1YResearch AccessResearch AccessResearch AccessResearch Access
48.91Research AccessResearch AccessResearch AccessResearch 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.

[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

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

Daily snapshot

-0.48
MARKETSnap

Trading Metrics:

Open: 143.99   Previous Close: 144.98
Day Low: 140.11   Day High: 145.61
Year Low: 102.3   Year High: 255.89
Price Avg 50: 163.36   Price Avg 200: 154.36
Volume: 2.158M   Average Volume: 1.623M

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See in Nexus

Relevant news

Down 43% Over the Last Year, CEO Trims Holdings, Sells 1,200 Shares of Software Stock
18-09-2026 09:20
Down 43% Over the Last Year, CEO Trims Holdings, Sells 1,200 Shares of Software Stock
Guidewire Software Inc (GWRE) Shares Surge 8.6% -- What GF Score of 76 Tells Investors
14-09-2026 19:46
Guidewire Software Inc (GWRE) Shares Surge 8.6% -- What GF Score of 76 Tells Investors
Don't Overlook Guidewire Software (GWRE) International Revenue Trends While Assessing the Stock
14-09-2026 10:17
Don't Overlook Guidewire Software (GWRE) International Revenue Trends While Assessing the Stock
Why Guidewire's Post-Earnings Plunge May Not Last
07-09-2026 13:20
Why Guidewire's Post-Earnings Plunge May Not Last
These Analysts Revise Their Forecasts On Guidewire Software After Q4 Results
04-09-2026 09:30
These Analysts Revise Their Forecasts On Guidewire Software After Q4 Results
Guidewire Software (GWRE) Faces Pressure Amid Mixed Q1 Outlook and Strong FY27 Guidance
04-09-2026 09:14
Guidewire Software (GWRE) Faces Pressure Amid Mixed Q1 Outlook and Strong FY27 Guidance

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