Overview Dividends

(GWRE) Guidewire Software - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US40171V1008

Policycenter, Claimcenter, Billingcenter, Insurancesuite, Digital, Analytics

Application Software
Market Cap in USD: 16,997m
IPO / Inception: 2012-01-25
Return 12m vs S&P 500: 2.47%

EPS (Earnings per Share)

EPS (Earnings per Share) of GWRE over the last years for every Quarter: "2020-10": 0.17, "2021-01": 0.11, "2021-04": -0.16, "2021-07": 0.37, "2021-10": -0.21, "2022-01": -0.06, "2022-04": -0.26, "2022-07": 0.03, "2022-10": -0.12, "2023-01": -0.21, "2023-04": -0.08, "2023-07": 0.74, "2023-10": -0.3314, "2024-01": 0.46, "2024-04": 0.26, "2024-07": 0.62, "2024-10": 0.43, "2025-01": 0.51, "2025-04": 0.54, "2025-07": 0.84, "2025-10": 0.36,
EPS CAGR: 25.91%
EPS Trend: 72.9%
Last SUE: 1.12
Qual. Beats: 3

Revenue

Revenue of GWRE over the last years for every Quarter: 2020-10: 169.802, 2021-01: 180.062, 2021-04: 163.968, 2021-07: 229.435, 2021-10: 165.934, 2022-01: 204.633, 2022-04: 197.448, 2022-07: 244.599, 2022-10: 195.282, 2023-01: 232.611, 2023-04: 207.49, 2023-07: 269.958, 2023-10: 207.407, 2024-01: 240.897, 2024-04: 240.678, 2024-07: 291.515, 2024-10: 262.901, 2025-01: 289.48, 2025-04: 293.508, 2025-07: 356.57, 2025-10: 332.639,
Rev. CAGR: 13.83%
Rev. Trend: 85.9%
Last SUE: 3.17
Qual. Beats: 3

Dividends

Currently no dividends paid
Risk via 5d forecast
Volatility 35.2%
Value at Risk 5%th 48.1%
Relative Tail Risk -17.02%
Reward TTM
Sharpe Ratio 0.55
Alpha 2.62
CAGR/Max DD 1.98
Character TTM
Hurst Exponent 0.503
Beta 0.836
Beta Downside 0.934
Drawdowns 3y
Max DD 26.08%
Mean DD 6.10%
Median DD 4.09%

Description: GWRE Guidewire Software December 19, 2025

Guidewire Software, Inc. (NYSE:GWRE) delivers a comprehensive, cloud-first platform that supports property-and-casualty (P&C) insurers across the policy-to-claims lifecycle, including core applications such as PolicyCenter, ClaimCenter, and BillingCenter, as well as the newer InsuranceNow SaaS suite.

Beyond the core suite, Guidewire’s product portfolio expands into pricing (Rating Management), reinsurance (Reinsurance Management), customer data (Client Data Management), product design (Advanced Product Designer), and a range of digital-engagement and analytics tools-including Predict (machine-learning), HazardHub (property-risk data), Cyence (cyber-risk modeling), DataHub (operational data store), and InfoCenter (business-intelligence warehouse).

Key operating metrics show the company’s momentum: FY 2023 revenue reached approximately $1.86 billion, with subscription-based ARR growing ~20 % YoY and gross margins consistently above 80 %. The P&C sector is being reshaped by accelerated digital transformation, heightened climate-risk exposure, and tighter regulatory reporting, all of which drive demand for integrated, data-rich platforms like Guidewire’s.

For a deeper, data-driven valuation of GWRE, the ValueRay platform offers granular financial metrics and scenario analysis.

Piotroski VR‑10 (Strict, 0-10) 6.5

Net Income (92.0m TTM) > 0 and > 6% of Revenue (6% = 76.3m TTM)
FCFTA 0.11 (>2.0%) and ΔFCFTA 3.65pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)
NWC/Revenue 76.02% (prev 98.65%; Δ -22.63pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)
CFO/TA 0.11 (>3.0%) and CFO 295.8m > Net Income 92.0m (YES >=105%, WARN >=100%)
Net Debt (212.5m) to EBITDA (109.9m) ratio: 1.93 <= 3.0 (WARN <= 3.5)
Current Ratio 3.48 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)
Outstanding Shares last Quarter (86.5m) change vs 12m ago 0.57% (target <= -2.0% for YES)
Gross Margin 63.13% (prev 60.76%; Δ 2.37pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)
Asset Turnover 48.59% (prev 39.90%; Δ 8.70pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)
Interest Coverage Ratio 5.92 (EBITDA TTM 109.9m / Interest Expense TTM 14.5m) >= 6 (WARN >= 3)

Altman Z'' 1.47

(A) 0.37 = (Total Current Assets 1.36b - Total Current Liabilities 389.9m) / Total Assets 2.64b
(B) -0.20 = Retained Earnings (Balance) -522.9m / Total Assets 2.64b
(C) 0.03 = EBIT TTM 85.6m / Avg Total Assets 2.62b
(D) -0.48 = Book Value of Equity -530.8m / Total Liabilities 1.11b
Total Rating: 1.47 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 66.62

1. Piotroski 6.50pt
2. FCF Yield 1.71%
3. FCF Margin 22.48%
4. Debt/Equity 0.46
5. Debt/Ebitda 1.93
6. ROIC - WACC (= -3.61)%
7. RoE 6.54%
8. Rev. Trend 85.87%
9. EPS Trend 72.93%

What is the price of GWRE shares?

As of December 23, 2025, the stock is trading at USD 207.42 with a total of 912,834 shares traded.
Over the past week, the price has changed by +6.79%, over one month by -2.34%, over three months by -15.20% and over the past year by +19.39%.

Is GWRE a buy, sell or hold?

Guidewire Software has received a consensus analysts rating of 3.94. Therefore, it is recommended to buy GWRE.
  • Strong Buy: 6
  • Buy: 6
  • Hold: 2
  • Sell: 1
  • Strong Sell: 1

What are the forecasts/targets for the GWRE price?

Issuer Target Up/Down from current
Wallstreet Target Price 268.1 29.3%
Analysts Target Price 268.1 29.3%
ValueRay Target Price 245.2 18.2%

GWRE Fundamental Data Overview December 22, 2025

Market Cap USD = 17.00b (17.00b USD * 1.0 USD.USD)
P/E Trailing = 188.6038
P/E Forward = 67.5676
P/S = 13.3604
P/B = 11.0844
P/EG = 1.7774
Beta = 1.079
Revenue TTM = 1.27b USD
EBIT TTM = 85.6m USD
EBITDA TTM = 109.9m USD
Long Term Debt = 675.4m USD (from longTermDebt, last quarter)
Short Term Debt = 10.4m USD (from shortTermDebt, last fiscal year)
Debt = 704.5m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 212.5m USD (from netDebt column, last quarter)
Enterprise Value = 16.69b USD (17.00b + Debt 704.5m - CCE 1.01b)
Interest Coverage Ratio = 5.92 (Ebit TTM 85.6m / Interest Expense TTM 14.5m)
FCF Yield = 1.71% (FCF TTM 286.0m / Enterprise Value 16.69b)
FCF Margin = 22.48% (FCF TTM 286.0m / Revenue TTM 1.27b)
Net Margin = 7.23% (Net Income TTM 92.0m / Revenue TTM 1.27b)
Gross Margin = 63.13% ((Revenue TTM 1.27b - Cost of Revenue TTM 469.0m) / Revenue TTM)
Gross Margin QoQ = 62.99% (prev 65.01%)
Tobins Q-Ratio = 6.32 (Enterprise Value 16.69b / Total Assets 2.64b)
Interest Expense / Debt = 0.47% (Interest Expense 3.31m / Debt 704.5m)
Taxrate = -27.78% (negative due to tax credits) (-6.81m / 24.5m)
NOPAT = 109.4m (EBIT 85.6m * (1 - -27.78%)) [negative tax rate / tax credits]
Current Ratio = 3.48 (Total Current Assets 1.36b / Total Current Liabilities 389.9m)
Debt / Equity = 0.46 (Debt 704.5m / totalStockholderEquity, last quarter 1.53b)
Debt / EBITDA = 1.93 (Net Debt 212.5m / EBITDA 109.9m)
Debt / FCF = 0.74 (Net Debt 212.5m / FCF TTM 286.0m)
Total Stockholder Equity = 1.41b (last 4 quarters mean from totalStockholderEquity)
RoA = 3.48% (Net Income 92.0m / Total Assets 2.64b)
RoE = 6.54% (Net Income TTM 92.0m / Total Stockholder Equity 1.41b)
RoCE = 4.11% (EBIT 85.6m / Capital Employed (Equity 1.41b + L.T.Debt 675.4m))
RoIC = 5.15% (NOPAT 109.4m / Invested Capital 2.12b)
WACC = 8.76% (E(17.00b)/V(17.70b) * Re(9.10%) + D(704.5m)/V(17.70b) * Rd(0.47%) * (1-Tc(-0.28)))
Discount Rate = 9.10% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 2.87%
[DCF Debug] Terminal Value 78.08% ; FCFE base≈246.2m ; Y1≈303.8m ; Y5≈518.3m
Fair Price DCF = 85.28 (DCF Value 7.25b / Shares Outstanding 85.0m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 72.93 | EPS CAGR: 25.91% | SUE: 1.12 | # QB: 3
Revenue Correlation: 85.87 | Revenue CAGR: 13.83% | SUE: 3.17 | # QB: 3
EPS next Quarter (2026-01-31): EPS=0.77 | Chg30d=+0.016 | Revisions Net=+9 | Analysts=16
EPS current Year (2026-07-31): EPS=2.95 | Chg30d=-0.032 | Revisions Net=-4 | Growth EPS=+11.5% | Growth Revenue=+17.7%
EPS next Year (2027-07-31): EPS=3.86 | Chg30d=+0.009 | Revisions Net=+0 | Growth EPS=+30.7% | Growth Revenue=+15.4%

Additional Sources for GWRE Stock

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