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Guidewire Software, Inc. GWRE R3KTECH

Technology · Software - Application · United States
https://www.guidewire.com
Company Profile ↓
$149.71
-28.37% 1Y
Mkt Cap$12.28B
P/E92.41
P/B9.91
52W High$261.88
52W Low$102.69
Book Value$14.56
EPS (TTM)$1.62

Company Overview

Guidewire Software, Inc. provides a platform for property and casualty (P&C) insurers the United States, Canada, other Americas, Europe, the Middle East, Africa, and Asia-Pacific. It offers Guidewire InsuranceSuite, such as PolicyCenter, ClaimCenter, BillingCenter, PricingCenter, and UnderwritingCente applications. The company also provides Guidewire InsuranceNow, a cloud-based application that offers policy administration, claims management, and billing functionality, plus pre-integrated document production, analytics, and other capabilities. In addition, it offers Guidewire Rating Management to manage the pricing of insurance services and products; Guidewire Reinsurance Management to use rules-based logic to execute reinsurance strategy through underwriting and claims processes; Guidewire Client Data Management that helps P&C insurers to capitalize on customer information; Guidewire Advanced Product Designer, a cloud-native application for insurance product design and management; Guidewire Product Content Management provides software tools and standards-based, line-of-business templates; and Guidewire ProNavigator, an AI-powered intelligent assistant. Further, the company provides Guidewire Digital Engagement Applications, which enable insurers to provide digital experiences; Guidewire HazardHub that allows insurers to understand, assess, price, and manage property risk; Guidewire Predict, a P&C-specific machine-learning platform; Guidewire Data Studio, Guidewire Canvas, Guidewire Compare, Guidewire industry Intel, and Guidewire Explore, an cloud-native applications; Guidewire Cyence, a cyber-risk economic modeling product; Guidewire DataHub, an operational data store; and Guidewire InfoCenter, a business intelligence warehouse for P&C insurers. The company was incorporated in 2001 and is headquartered in San Mateo, California.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 36.0% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 15.2% CAGR over the past five years.

Healthy Margins

Operating margin of 15.2% supports profitability.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Jul 2025 Revenue of $1.20B (+22.6% YoY).
  • Trailing 12 Months Year-on-year growth — revenue +15.3%, earnings -38.2%.
  • 5-Year Trend Long-term compounding — revenue CAGR 15.2%, profit CAGR 36.0%.

Growth & Price Performance

Compounded Sales Growth

5 Years:15.16%
1 Year:15.30%

Compounded Profit Growth

5 Years:35.99%
1 Year:-38.20%

Stock Price Performance

1 Year:-28.37%
6 Months:-8.32%
3 Months:+17.71%
1 Month:-12.21%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bearish
52-Week Range 30% of range
$102.69 $261.88
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMABelow
  • Golden Cross4d ago
  • RSI (14)36.78 · Neutral
Price Performance
1M-12.21%
3M+17.71%
6M-8.32%
1Y-28.37%
Valuation vs Sector

P/E of 92.41 is above the sector median of 29.22 — pricier than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Compounding revenue at 15.2% over 5 years.
  • Profit CAGR of 36.0% over 5 years.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

  • Trading at a high P/E of 92.4.
  • Trading 42.8% below its 52-week high.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
92.41
Industry PE
29.22
Forward P/E
28.01
PEG Ratio
0.96
Book Value
$14.56
Price to Book
9.91
P/S
8.02
EV/EBITDA
72.01
Dividend Yield
0.00%

Growth (CAGR)

Revenue 5Y
15.16%
Profit 5Y
35.99%
Revenue (YoY)
15.30%
Earnings (YoY)
-38.20%

Profitability & Returns

ROCE
1.89%
ROE
10.51%
ROA
3.54%
Profit Margin
9.44%
Op Margin
15.16%
Gross Margin
64.21%
EPS (Latest Qtr)
$0.19
EPS (TTM)
$1.62

Balance Sheet & Liquidity

Debt/Equity
0.60
Quick Ratio
1.67
Current Ratio
1.79
Debt
$714.99M
Total Assets
$2.54B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
0.76%
Chg in Prom Hold
0.44%
FII / Inst Holding
105.21%
Chg in FII Hold
1.45%

Financial Snapshot

Enterprise Value
$12.28B
Total Revenue (TTM)
$1.48B
EBITDA
$163.43M
Free Cash Flow
$343.03M
Operating Cash Flow
$389.72M
Shares Outstanding
81.99M
Gross Margin
64.21%
Payout Ratio
0.00%

Peer comparison

Peer companies in the same sector (Technology).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 GWRE Guidewire Software, Inc. R3KTECH 149.71 92.41 $12.28B 0.00% 1.89% 10.51% 15.16% 35.99%
2 NVDA NVIDIA Corporation NDXSPXR3KAITECH 225.73 28.50 $5.45T 0.46% 74.66% 117.21% 24.64% 32.12%
3 AAPL Apple Inc. NDXSPXR3KTECH 316.22 36.22 $4.61T 0.34% 68.72% 148.75% 1.81% 3.92%
4 MSFT Microsoft Corporation NDXSPXR3KAITECH 493.95 27.49 $3.67T 0.79% 26.33% 34.04% 9.93% 11.90%
5 TSM Taiwan Semiconductor Manufacturing Company Limited AITECH 439.00 32.71 $2.28T 0.95% 30.20% 39.97% 18.94% 19.57%
6 AVGO Broadcom Inc. NDXSPXR3KAITECH 368.56 46.95 $1.75T 0.71% 16.70% 44.25% 17.04% 54.08%
7 MU Micron Technology, Inc. NDXSPXR3KAITECH 1,000.26 22.59 $1.13T 0.05% 13.69% 66.64% 13.68% 26.02%
8 AMD Advanced Micro Devices, Inc. NDXSPXR3KAITECH 505.74 128.36 $825.61B 0.00% 5.47% 10.20% 11.81% 66.28%
9 ASML ASML Holding N.V. NDXAITECH 1,764.85 59.89 $677.88B 0.51% 42.97% 53.94% 15.55% 19.55%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Oct 2013Jan 2014Apr 2014Oct 2014Jan 2015Apr 2015Oct 2015Jan 2016Apr 2016Oct 2016Jan 2017Apr 2017Oct 2017Jan 2018Apr 2018Oct 2018Jan 2019Apr 2019Oct 2019Jan 2020Apr 2020Oct 2020Jan 2021Apr 2021Oct 2021Jan 2022Apr 2022Oct 2022Jan 2023Apr 2023Oct 2023Jan 2024Apr 2024Oct 2024Jan 2025Apr 2025Jul 2025Oct 2025Jan 2026Apr 2026
Revenue ------------108.17M163.79M142.15M180.25M168.53M162.87M157.01M173.46M168.16M169.80M180.06M163.97M165.93M204.63M197.45M195.28M232.61M207.49M207.41M240.90M240.68M262.90M289.48M293.51M356.57M332.64M359.10M372.54M
Cost of Revenue -----------------------------------110.81M124.76M123.12M127.57M135.90M
Gross Profit 28.67M47.31M45.76M43.96M55.37M47.54M47.11M67.23M59.85M52.11M74.81M71.97M45.28M96.02M66.47M98.65M88.85M82.59M76.15M89.86M82.41M78.83M88.16M71.90M68.39M102.19M83.92M72.15M123.46M98.92M112.29M142.41M142.23M158.39M179.15M182.70M231.81M209.52M231.52M236.65M
Operating Expenses -----------------------------------178.23M202.21M191.04M193.08M206.01M
Operating Income -12.63M4.48M147.00K-3.64M3.33M-6.70M-8.96M7.70M-5.78M-18.30M8.21M-4.34M-32.72M-665.00K-28.87M2.49M-6.33M-15.77M-24.60M-18.03M-25.60M-31.60M-27.07M-46.83M-65.38M-39.46M-62.40M-74.55M-23.22M-57.82M-33.78M-12.41M-16.70M-4.72M11.72M4.47M29.60M18.48M38.44M30.64M
EBITDA -----------------------------------58.30M50.50M34.18M84.93M30.31M
Interest Expense -----------------------------------3.67M3.30M3.31M3.33M3.32M
Pretax Income -----------------------------------48.67M40.98M24.50M74.55M19.76M
Tax Provision -----------------------------------2.68M-10.97M-6.81M14.44M3.29M
Net Income -----------------------------------45.99M51.95M31.31M60.11M16.47M
Diluted EPS -0.110.05-0.03-0.040.06-0.04-0.020.01-0.01-0.110.05-0.02-0.12-0.59-0.400.080.00-0.11-0.18-0.24-0.37-0.24-0.10-0.44-0.62-0.49-0.69-0.83-0.11-0.56-0.330.12-0.070.11-0.450.540.600.360.700.19
R&D Expense 17.53M17.52M19.76M20.31M22.28M24.57M25.67M25.41M29.27M30.75M30.02M34.09M35.71M43.66M46.79M45.50M46.47M47.10M46.50M49.95M51.89M52.62M53.19M54.16M55.12M55.80M58.44M58.17M61.70M63.05M62.47M65.46M66.13M68.88M70.27M72.92M-78.32M83.32M87.87M

Profit & Loss (Annual)

Figures in USD.

Metric Jul 2010Jul 2011Jul 2012Jul 2013Jul 2014Jul 2015Jul 2016Jul 2017Jul 2018Jul 2019Jul 2020Jul 2021Jul 2022Jul 2023Jul 2024Jul 2025
Revenue 144.69M172.47M232.06M300.65M350.25M380.54M424.45M509.53M652.85M719.51M742.31M743.27M812.61M905.34M980.50M1.20B
Gross Profit 89.22M104.13M142.06M175.00M201.30M233.35M272.61M317.97M356.07M395.16M404.29M389.56M377.18M458.21M583.36M752.05M
Operating Income 18.01M6.87M28.93M29.74M18.42M16.49M16.44M21.86M-15.62M1.47M-23.89M-105.58M-199.45M-149.49M-52.57M41.07M
Net Income 4.30M11.70M12.65M24.66M14.72M-----------
Diluted EPS 0.300.760.320.400.210.140.200.24-0.340.25-0.33-0.79-2.16-1.36-0.070.81
R&D Expense 28.27M34.77M49.06M62.99M76.18M93.44M112.50M130.32M171.66M188.54M200.57M201.47M229.23M249.75M269.38M296.16M

Balance Sheet (Annual)

Figures in USD.

Metric Jul 2009Jul 2010Jul 2011Jul 2012Jul 2013Jul 2014Jul 2015Jul 2016Jul 2017Jul 2018Jul 2019Jul 2020Jul 2021Jul 2022Jul 2023Jul 2024Jul 2025
Total Assets --126.54M284.25M305.67M757.23M799.95M916.18M1.08B1.98B2.17B2.36B2.32B2.27B2.03B2.23B2.72B
Total Equity -44.65M-25.14M17.06M181.00M221.83M650.69M689.39M783.93M888.53M1.41B1.57B1.66B1.54B1.45B1.20B1.34B1.46B
Cash & Equivalents 27.59M37.41M59.62M205.72M79.77M148.10M212.36M223.58M263.18M437.14M254.10M366.97M384.91M606.30M401.81M547.99M697.90M
Long Term Debt ---------305.13M317.32M330.21M343.82M358.22M397.17M398.90M-
Total Liabilities --108.39M100.28M83.84M106.54M110.56M132.24M185.62M567.82M592.76M708.08M776.95M815.24M828.42M883.56M1.26B
Current Liabilities --82.30M93.19M74.78M95.39M104.41M119.08M163.62M238.16M232.27M225.20M300.31M337.52M373.26M837.63M544.80M

Cash Flows (Annual)

Figures in USD.

Metric Jul 2010Jul 2011Jul 2012Jul 2013Jul 2014Jul 2015Jul 2016Jul 2017Jul 2018Jul 2019Jul 2020Jul 2021Jul 2022Jul 2023Jul 2024Jul 2025
Operating Cash Flow 9.53M27.69M17.09M32.55M75.49M63.68M99.90M138.76M140.46M116.13M113.07M111.59M-37.94M38.40M195.75M300.87M
Investing Cash Flow -1.04M-8.31M-3.30M-148.91M-380.42M23.07M-101.25M-113.34M-537.58M-301.43M-5.80M64.19M312.21M12.71M-52.36M-236.97M
Financing Cash Flow 785.00K931.00K133.01M-8.62M372.56M-17.35M13.45M13.03M573.00M3.95M4.96M-159.39M-37.34M-261.58M1.05M82.29M
Capital Expenditure -2.24M-2.78M-5.62M-9.23M-4.99M-6.30M-7.11M-5.89M-9.40M-44.92M-21.38M-19.01M-9.51M-5.82M-6.36M-5.74M
Free Cash Flow 7.30M24.91M11.47M23.32M70.50M57.38M92.79M132.87M131.06M71.20M91.69M92.58M-47.45M32.57M189.39M295.13M
Share Buybacks ---------00161.32M37.45M261.81M00

Ratios (Annual)

Figures in %.

Metric Jul 2010Jul 2011Jul 2012Jul 2013Jul 2014Jul 2015Jul 2016Jul 2017Jul 2018Jul 2019Jul 2020Jul 2021Jul 2022Jul 2023Jul 2024Jul 2025
Gross Margin % 61.7%60.4%61.2%58.2%57.5%61.3%64.2%62.4%54.5%54.9%54.5%52.4%46.4%50.6%59.5%62.5%
Operating Margin % 12.4%4.0%12.5%9.9%5.3%4.3%3.9%4.3%-2.4%0.2%-3.2%-14.2%-24.5%-16.5%-5.4%3.4%
Net Margin % 3.0%6.8%5.4%8.2%4.2%-----------
ROE % -17.1%68.6%7.0%11.1%2.3%-----------
ROCE % -15.5%15.1%12.9%2.8%2.4%2.1%2.4%-0.9%0.1%-1.1%-5.2%-10.3%-9.0%-3.8%1.9%

Shareholding Pattern

Insiders
0.76%
Institutions
105.21%
Public Float
106.01%

Top Institutional Holders

#Holder% HeldSharesValue
1 BAMCO Inc. 10.80% 8.99M $1.30B
2 Blackrock Inc. 10.70% 8.91M $1.29B
3 Linonia Partnership LP 8.33% 6.93M $1.00B
4 Vanguard Portfolio Management LLC 5.41% 4.51M $650.36M
5 Vanguard Capital Management LLC 4.62% 3.85M $554.86M
6 Darsana Capital Partners, LP 4.57% 3.80M $548.88M
7 State Street Corporation 3.22% 2.68M $386.93M
8 JPMORGAN CHASE & CO 2.70% 2.25M $324.56M
9 Massachusetts Financial Services Co. 2.44% 2.03M $292.75M
10 Route One Investment Company, L.P. 2.22% 1.85M $266.84M

Analyst View

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Latest News

Recent headlines for GWRE

Google News Sat, 05 Sep 2026

Guidewire Software (GWRE) Stock Fair Value Edges Higher After Mixed Analyst Revisions - finance.yahoo.com

<a href="https://news.google.com/rss/articles/CBMioAFBVV95cUxNZnhzeC1DMVpiZjJ2NlVwZzlXRjg3ZmNoakhCZ2E1ZzRwcnFZZ19sLWd4eTBwWHJhamxvWXdtSDBmM1N2UnIyd3FQdXlHYjJYZzBaaWp3WTZULTRpV05jVndkblVTbWY2ajZUQ1IyRXFJeVJFZU5rQmNaaWRTRi1WQXY0OGxjOVFGMTlZQz…

Google News ue, 08 Sep 2026

Guidewire Software (GWRE) CEO stock sale runs on preset 10b5-1 plan - Stock Titan

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Google News ue, 08 Sep 2026

Guidewire Software falls 8% amid post-earnings selloff (GWRE:NYSE) - Seeking Alpha

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Google News ue, 08 Sep 2026

GWRE Looks 28.5% Undervalued on GF Value™ as Shares Slide Amid G - gurufocus.com

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Google News Fri, 04 Sep 2026

Guidewire Software (GWRE) Stock Reprices As ARR Growth Meets Valuation Doubts - simplywall.st

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Google News Mon, 07 Sep 2026

Why Guidewire’s Post-Earnings Plunge May Not Last - marketbeat.com

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GWRE — Frequently Asked Questions

What is the current share price of Guidewire Software, Inc. (GWRE)?

As of 2026-09-19 21:16 PDT, Guidewire Software, Inc. (GWRE) trades at $149.71 on NYSE. Its 52-week range is $102.69 to $261.88.

What is the market capitalisation of GWRE?

Guidewire Software, Inc. (GWRE) has a market capitalisation of $12.28B on NYSE.

What is the P/E ratio of GWRE?

GWRE trades at a trailing price-to-earnings (P/E) ratio of 92.41. The industry average P/E is 29.22. Its price-to-book (P/B) ratio is 9.91.

What is the return on equity (ROE) of GWRE?

GWRE has a return on equity (ROE) of 10.51%. Its return on capital employed (ROCE) is 1.89%.

Is GWRE a good stock to buy?

This page provides a data-driven analysis of Guidewire Software, Inc. (GWRE), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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