Guidewire Software, Inc.

Services-Prepackaged Software

GWREStrong9 of 10 basics passed

$166.94

+1.31%

Market cap $13.7B

$166.94

+1.31%

Market cap $13.7B

Guidewire Software provides cloud-based software solutions for property and casualty insurers.

It is a $13.7B technology company. Revenue grew 22.7% over the last year, it keeps 9¢ of every dollar of sales as profit, and it holds more cash than debt. It trades at 98.5× earnings — around the middle of its own history.

Website: guidewire.com
Location: San Mateo, CA
Employees: 4 174
Sector: Technology

Share price · 3 years

$91.56 → $166.94+82.3%

price only — dividends excluded

Key facts · TTM

Revenue: total sales; $1.48B
Profit: keeps 9¢ of every $1 sold; $139M
Free cash flow: cash left after running the business; $378M
Net cash: more cash than debt; $62.2M
P/E: years of profit in the price; 98.5
EPS: earnings per share, TTM; $1.63
Shares: up 16% since 2016 — dilution; 85.4M
Volatility: beta vs the market — under 1 swings less; 1.04

Revenue, last 10 years

52-week range

Low $102.69$166.94High $254.23

Today's price is 42% of the way from the year's low to its high.

P/E vs its history2y

85.8×median 197.9×

Higher than 35% of past days — around the middle of its own history.

Valuation vs own history

P/E

85.8×

65%

P/S

9.7×

54%

EV/EBITDA

116.6×

26%

P/B

11.5×

24%

FCF yield

2.5%

83%

Share of the last ~5 years that was pricier than today (in line with its own history). Based on the daily valuation record.

Insider activity · 90 days

-$23.5Mnet selling

Purchases$0

Sales$23.5M

Insiders trading, last 14d0 buy · 1 sell

Standing in Technology

Size$13.7Btop 70%
Revenue growth+18%top 30%
Net margin9%top 63%
Return on equity10%top 66%
P/E98.5×top 86%

Ranked against 220 Technology companies with a full CV — for P/E, lower ranks higher.

Skills

Six independent scores, 0–100, built from reported numbers and valuation history. Click a row to see how it was scored.

Strong quality; Valuation, Growth, Profitability and Moat lag behind.

Valuation37

P/E vs own history35th pct · 20/25
FCF yield2.8% · 5/25
P/S9.3x · 12/25
EV/EBITDA78.9x · 0/25

Growth45

Revenue CAGR16.1% · 20/25
Net income CAGRn/a · 0/25
EPS CAGR ~5Yn/a · 0/25
Fwd implied growth146.6% · 25/25

Profitability49

ROIC13.2% · 12/25
ROE10.0% · 12/25
Net margin9.4% · 13/25
Operating margin10.2% · 12/25

Health68

Altman Z6.64 · 25/25
Current ratio1.79 · 18/25
Interest coverage-7.0x · 0/25
Net cash / debtNet cash · 25/25

Quality84

Piotroski F7/9 · 22/25
Beneish M-3.01 · 25/25
FCF conversion211% · 25/25
Margin stabilityσ 12.4% · 12/25

Moat43

ROIC >12% years0/11 yrs · 0/25
Median gross margin55.1% · 25/25
FCF-positive years10/11 yrs · 18/25
Worst-year net marginworst -22.2% · 0/25

How the scores work →

Experience

The company's career so far — founding, the IPO, landmark products and acquisitions, plus revenue milestones and insider buying.

FY2026Financial
Best year on record
$139M net income
FY2025Financial
Revenue crossed $1B
$1.20B for the year
FY2016Financial
First recorded profitable year
$15.0M net income

Achievements

Verifiable track record, straight from the reported numbers.

$10 000 invested in 2021 would be worth ~$13 833 today — price return only

$1.5B revenue in FY2026

Revenue up 22.7% year over year

Positive free cash flow 4 years in a row

4 174 employees

Strengths & watch-outs

What a bull and a bear would each point to. Both lists come from the reported numbers, not opinions.

Strengths

High gross margin (64.2%)
Revenue growing 22.7% year over year
Strong cash conversion — FCF is 25.6% of revenue
Net cash position after subtracting debt from cash
Piotroski F-Score 7/9 — fundamentally strong checklist

Watch-outs

Thin interest coverage (-7.0×)
Loss-making in 6 of the recent years

Qualifications

The basics a company should meet before you research it further. Each check uses the reported numbers.

9 of 10 checks passed

Revenue growing — the company sells more than a year ago+22.7% YoY
Profitable — makes more than it spends$139M TTM
Profit growing — earnings are higher than last year+99.5% YoY
Generates cash — cash left after running and investing$378M TTM
Debt under control — could handle its obligationsmore cash than debt
Established company — not a micro-cap — lower blow-up risk$13.7B market cap
Not printing shares — share count not ballooning — you keep your slice+2.2% shares over ~5y
Proven track record — years of profitability behind it5/11 profitable years
Financially stable — balance sheet not near distressAltman Z 6.6 — safe
Pays a dividend — returns cash to shareholdersno data
Valuation not extreme — price not wildly above earningsP/E 98.5

Peer comparisonGuidewire Software, Inc. vs 6 largest technology peers — cap, P/E, growth and margin side by sideOpen ▾

Company	Market cap	P/E	Revenue growth	Net margin	Profile
GWRE this company	$13.7B	98.5	+22.7%	9.4%	Strong
NVDA Nvidia Corp	$5.5T	28.6	+83.4%	63.7%	Mixed
AAPL Apple Inc.	$4.9T	38.1	+14.2%	27.6%	Strong
GOOGL Alphabet Inc.	$4.3T	17.6	+20.1%	54.8%	Mixed
MSFT Microsoft Corp	$4.0T	29.7	+17.8%	40.3%	Strong
SPCX Space Exploration Technologies Corp.	$2.1T	—	+33.2%	-34.0%	Strained
META Meta Platforms, Inc.	$1.8T	26.9	+27.7%	29.8%	Mixed

Head-to-head: GWRE vs NVDA · GWRE vs AAPL · GWRE vs GOOGL

References

What covering analysts publish about the company — information only, not a recommendation.

Strong buy 8Buy 11Hold 3

Appendix · Financial records

The full statements behind this CV, FY2016–FY2026. For readers who want to check the numbers.

Profit & lossRevenue $1.48B · net income $139M (TTM)Open ▾

Profit & loss

Revenue and profit over the company's career — the income statement, visualised.

How FY2026 revenue flows to profit

RevenueNet income

Revenue (TTM)

$1.48B

YoY 22.7%

Net income (TTM)

$139M

Margin 9.4%

Gross margin

64.2%

Operating margin

10.2%

P/E ratio

98.5

Income statement — full detail

Figures in USD billions · EPS in USD

	2021	2022	2023	2024	2025	2026
Revenue	0.7	0.8	0.9	1.0	1.2	1.5
Gross profit	0.4	0.4	0.5	0.6	0.8	0.9
Operating income (EBIT)	-0.1	-0.2	-0.1	-0.1	0.0	0.1
Net income	-0.1	-0.2	-0.1	-0.0	0.1	0.1
EPS (diluted)	-0.80	-2.16	-1.36	-0.07	0.81	1.63

Cash flowFree cash flow $378M · operating cash flow $390M (TTM)Open ▾

Cash flow statement

Cash generated by the business and what is left after investment — year by year.

Operating cash flowFree cash flow

Free cash flow (TTM)

$378M

Margin 25.6%

Operating cash flow (TTM)

$390M

FCF margin

23.7%

Cash flow statement — full detail

Figures in USD billions

	2021	2022	2023	2024	2025	2026
Operating cash flow	0.1	-0.0	0.0	0.2	0.3	0.4
Capital expenditure	-0.0	-0.0	-0.0	-0.0	-0.0	-0.0
Free cash flow	0.1	-0.0	0.0	0.2	0.3	0.4
FCF margin	12.5%	-5.8%	3.6%	19.3%	24.5%	25.6%

Balance sheetAssets $2.58B · net cash $62.2M (FY2026)Open ▾

Balance sheet

How the balance sheet is built — what it owns versus how it is financed.

How $2.58B of assets is financed

54%

46%

Liabilities $1.38B — borrowed moneyEquity $1.19B — owners' stake

Cash vs debt

Total debt $715M − cash $777M = net cash $62.2M

Cash on hand covers all debt.

Altman Z-Score

6.64

Safe zone

Debt repayment

Not needed

Cash already covers all debt

Interest coverage

-7.0x

EBIT ÷ interest expense

ROE

10.0%

Profit per $1 of equity

Balance sheet — full detail

Figures in USD billions

	2021	2022	2023	2024	2025	2026
Cash & equivalents	1.1	1.0	0.8	1.0	1.1	0.8
Total assets	2.3	2.3	2.0	2.2	2.7	2.6
Total liabilities	0.8	0.8	0.8	0.9	1.3	1.4
Total debt	—	0.5	0.4	0.4	0.7	0.7
Equity	1.5	1.5	1.2	1.3	1.5	1.2
Net debt	—	-0.5	-0.4	-0.6	-0.4	-0.1

Want the live picture — intraday moves, valuation history and full analysis?

Deeper analysis of GWRE on PreMarketPrice

Figures are derived from company filings (quarterly values normalised from as-filed year-to-date data where applicable) and may be delayed, restated or incomplete. This page is information, not investment advice. Latest price $166.94 · market cap $13.7B.