GWRE
Guidewire Software, Inc.
Price Chart
Latest Quote
$169.15
| Previous Close | $183.96 |
| Open | $181.39 |
| Day High | $183.13 |
| Day Low | $169.05 |
| Volume | 1,628,304 |
Stock Information
| Shares Outstanding | 81.99M |
| Total Debt | $714.99M |
| Cash Equivalents | $777.16M |
| Revenue | $1.48B |
| Net Income | $139.28M |
| Sector | Technology |
| Industry | Software - Application |
| Market Cap | $13.87B |
| P/E Ratio | 112.77 |
| EPS (TTM) | $1.50 |
| Exchange | NYQ |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $13.81B |
| Sales | $1.48B |
| Income | $139.28M |
| Book/sh | $14.56 |
| Cash/sh | $9.48 |
| Employees | 4K |
Financial Ratios
| Quick Ratio | 1.67 |
| Current Ratio | 1.79 |
| Debt/Eq | 59.90 |
| EPS Growth TTM | -39.60% |
Returns & Margins
| ROA | 3.54% |
| ROE | 10.51% |
| Gross Margin | 64.21% |
| Operating Margin | 15.16% |
| Profit Margin | 9.44% |
Ownership
| Insider Ownership | 0.58% |
| Institutional Ownership | 105.60% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 31.64 |
| PEG | 1.20 |
| P/S | 9.40 |
| P/B | 11.62 |
Analyst Data
| Recommendation | buy |
| Target Price | $213.29 |
Technical Indicators
| SMA20 | $169.13 |
| SMA50 | $168.05 |
| SMA200 | $149.19 |
| RSI | 53.68 |
| ATR | 8.2064 |
| Shares Float | 74.35M |
| Short Float | 3.96% |
| Short Ratio | 1.78 |
| Volatility | 1.03 |
| Rel Volume | 1.35 |
Performance History
| Week | -7.86% |
| Month | +16.51% |
| Quarter | +1.13% |
| 6 Months | +21.98% |
| YTD | -9.85% |
| Year | -32.49% |
| 3 Years | +93.29% |
| 5 Years | +39.29% |
| 10 Years | +191.74% |
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-10-27 | $169.15 | 1,628,400 |
| 2026-10-26 | $183.96 | 1,045,800 |
| 2026-10-23 | $189.00 | 751,700 |
| 2026-10-22 | $189.64 | 1,312,300 |
| 2026-10-21 | $181.90 | 1,136,900 |
| 2026-10-20 | $183.58 | 1,586,200 |
| 2026-10-19 | $171.44 | 870,500 |
| 2026-10-16 | $168.86 | 950,500 |
| 2026-10-15 | $175.77 | 1,607,600 |
| 2026-10-14 | $164.92 | 897,700 |
| 2026-10-13 | $165.78 | 838,300 |
| 2026-10-12 | $164.74 | 886,500 |
| 2026-10-09 | $167.32 | 818,600 |
| 2026-10-08 | $164.78 | 818,300 |
| 2026-10-07 | $163.98 | 1,727,500 |
| 2026-10-06 | $164.52 | 1,223,500 |
| 2026-10-05 | $163.23 | 2,116,700 |
| 2026-10-02 | $152.15 | 1,227,600 |
| 2026-10-01 | $155.32 | 1,571,500 |
| 2026-09-30 | $142.58 | 1,101,000 |
| 2026-09-29 | $142.52 | 1,419,700 |
| 2026-09-28 | $145.18 | 1,132,800 |
About Guidewire Software, Inc.
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.
đ° Latest News
Income Statement (Annual)
| Metric | 2026-07-31 | 2025-07-31 | 2024-07-31 | 2023-07-31 |
|---|---|---|---|---|
| Revenue | ||||
| Reconciled Cost Of Revenue | $527,995,000 | $450,406,000 | $397,136,000 | $447,130,000 |
| Cost Of Revenue | $527,995,000 | $450,406,000 | $397,136,000 | $447,130,000 |
| Total Revenue | $1,475,363,000 | $1,202,459,000 | $980,497,000 | $905,341,000 |
| Operating Revenue | $1,475,363,000 | $1,202,459,000 | $980,497,000 | $905,341,000 |
| Expenses | ||||
| Interest Expense | $13,324,000 | $13,211,000 | $6,738,000 | $6,716,000 |
| Total Expenses | $1,325,489,000 | $1,161,391,000 | $1,033,070,000 | $1,054,831,000 |
| Other Income Expense | $-20,997,000 | $-35,087,000 | $-11,005,000 | $-2,277,000 |
| Other Non Operating Income Expenses | $-20,997,000 | $-35,087,000 | $-11,005,000 | $-2,277,000 |
| Net Non Operating Interest Income Expense | $35,240,000 | $43,414,000 | $36,740,000 | $17,673,000 |
| Interest Expense Non Operating | $13,324,000 | $13,211,000 | $6,738,000 | $6,716,000 |
| Operating Expense | $797,494,000 | $710,985,000 | $635,934,000 | $607,701,000 |
| Selling And Marketing Expense | $258,937,000 | $230,346,000 | $199,033,000 | $188,224,000 |
| General And Administrative Expense | $198,460,000 | $184,479,000 | $167,520,000 | $169,731,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $139,283,000 | $69,804,000 | $-6,103,000 | $-111,855,000 |
| Net Interest Income | $35,240,000 | $43,414,000 | $36,740,000 | $17,673,000 |
| Interest Income | $48,564,000 | $56,625,000 | $43,478,000 | $24,389,000 |
| Normalized Income | $139,283,000 | $69,804,000 | $-6,103,000 | $-111,855,000 |
| Net Income From Continuing And Discontinued Operation | $139,283,000 | $69,804,000 | $-6,103,000 | $-111,855,000 |
| Total Operating Income As Reported | $149,874,000 | $41,068,000 | $-52,573,000 | $-149,490,000 |
| Net Income Common Stockholders | $139,283,000 | $69,804,000 | $-6,103,000 | $-111,855,000 |
| Net Income | $139,283,000 | $69,804,000 | $-6,103,000 | $-111,855,000 |
| Net Income Including Noncontrolling Interests | $139,283,000 | $69,804,000 | $-6,103,000 | $-111,855,000 |
| Net Income Continuous Operations | $139,283,000 | $69,804,000 | $-6,103,000 | $-111,855,000 |
| Pretax Income | $164,117,000 | $49,395,000 | $-26,838,000 | $-134,094,000 |
| Interest Income Non Operating | $48,564,000 | $56,625,000 | $43,478,000 | $24,389,000 |
| Operating Income | $149,874,000 | $41,068,000 | $-52,573,000 | $-149,490,000 |
| Gross Profit | $947,368,000 | $752,053,000 | $583,361,000 | $458,211,000 |
| Per Share | ||||
| Diluted EPS | $1.63 | $0.81 | $-0.07 | $-1.36 |
| Basic EPS | $1.65 | $0.83 | $-0.07 | $-1.36 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Normalized EBITDA (Bullshit earnings) | $205,393,000 | $86,364,000 | $2,209,000 | $-102,540,000 |
| Reconciled Depreciation | $27,952,000 | $23,758,000 | $22,309,000 | $24,838,000 |
| EBITDA (Bullshit earnings) | $205,393,000 | $86,364,000 | $2,209,000 | $-102,540,000 |
| EBIT | $177,441,000 | $62,606,000 | $-20,100,000 | $-127,378,000 |
| Diluted Average Shares | $85,405,177 | $85,911,653 | $82,291,483 | $82,176,629 |
| Basic Average Shares | $84,186,951 | $83,846,793 | $82,291,483 | $82,176,629 |
| Diluted NI Availto Com Stockholders | $139,283,000 | $69,804,000 | $-6,103,000 | $-111,855,000 |
| Tax Provision | $24,834,000 | $-20,409,000 | $-20,735,000 | $-22,239,000 |
| Research And Development | $340,097,000 | $296,160,000 | $269,381,000 | $249,746,000 |
| Selling General And Administration | $457,397,000 | $414,825,000 | $366,553,000 | $357,955,000 |
| Other Gand A | $198,460,000 | $184,479,000 | $167,520,000 | $169,731,000 |
Balance Sheet (Annual)
| Metric | 2026-07-31 | 2025-07-31 | 2024-07-31 | 2023-07-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $754,015,000 | $1,051,210,000 | $961,513,000 | $812,779,000 |
| Total Assets | $2,576,946,000 | $2,721,099,000 | $2,226,294,000 | $2,027,888,000 |
| Total Non Current Assets | $1,389,966,000 | $1,213,684,000 | $930,760,000 | $928,285,000 |
| Non Current Prepaid Assets | $3,686,000 | $5,907,000 | $3,213,000 | $3,111,000 |
| Non Current Deferred Assets | $347,152,000 | $347,544,000 | $294,726,000 | $261,876,000 |
| Non Current Deferred Taxes Assets | $286,585,000 | $297,234,000 | $253,085,000 | $226,875,000 |
| Investmentin Financial Assets | $462,223,000 | $333,754,000 | $125,885,000 | $128,782,000 |
| Goodwill And Other Intangible Assets | $439,672,000 | $406,020,000 | $381,219,000 | $386,687,000 |
| Other Intangible Assets | $16,405,000 | $12,042,000 | $9,005,000 | $14,473,000 |
| Current Assets | $1,186,977,000 | $1,507,415,000 | $1,295,534,000 | $1,099,603,000 |
| Other Current Assets | $2,000 | - | - | - |
| Current Deferred Assets | $31,840,000 | $27,057,000 | $23,998,000 | $22,671,000 |
| Prepaid Assets | $43,423,000 | $32,761,000 | $25,791,000 | $21,761,000 |
| Receivables | $358,650,000 | $298,154,000 | $242,177,000 | $256,486,000 |
| Other Receivables | $164,930,000 | $157,515,000 | $104,838,000 | $105,452,000 |
| Accounts Receivable | $193,720,000 | $140,639,000 | $137,339,000 | $151,034,000 |
| Allowance For Doubtful Accounts Receivable | $-2,379,000 | $-1,166,000 | $-646,000 | $-218,000 |
| Gross Accounts Receivable | $196,099,000 | $141,805,000 | $137,985,000 | $151,252,000 |
| Cash Cash Equivalents And Short Term Investments | $753,062,000 | $1,149,443,000 | $1,003,568,000 | $798,685,000 |
| Cash And Cash Equivalents | $372,887,000 | $697,902,000 | $547,992,000 | $401,813,000 |
| Non Current Accounts Receivable | - | $670,000 | $4,157,000 | $11,112,000 |
| Other Non Current Assets | - | - | - | $2,073,000 |
| Debt | ||||
| Net Debt | $305,207,000 | - | - | - |
| Total Debt | $714,987,000 | $715,693,000 | $442,919,000 | $448,576,000 |
| Long Term Debt And Capital Lease Obligation | $703,300,000 | $705,255,000 | $34,721,000 | $440,143,000 |
| Long Term Debt | $678,094,000 | $674,568,000 | - | $397,171,000 |
| Current Debt And Capital Lease Obligation | $11,687,000 | $10,438,000 | $408,198,000 | $8,433,000 |
| Current Debt | - | - | $398,903,000 | - |
| Other Current Borrowings | - | - | $398,903,000 | - |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $1,383,259,000 | $1,263,869,000 | $883,562,000 | $828,422,000 |
| Total Non Current Liabilities Net Minority Interest | $718,762,000 | $719,067,000 | $45,927,000 | $455,161,000 |
| Other Non Current Liabilities | $13,829,000 | $9,279,000 | $7,578,000 | $9,030,000 |
| Non Current Deferred Liabilities | $1,633,000 | $4,533,000 | $3,628,000 | $5,988,000 |
| Current Liabilities | $664,497,000 | $544,802,000 | $837,635,000 | $373,261,000 |
| Other Current Liabilities | $11,041,000 | $8,004,000 | $8,925,000 | $8,839,000 |
| Current Deferred Liabilities | $437,181,000 | $340,253,000 | $281,855,000 | $206,923,000 |
| Payables And Accrued Expenses | $58,257,000 | $45,494,000 | $29,573,000 | $45,086,000 |
| Payables | $49,221,000 | $36,829,000 | $21,701,000 | $38,785,000 |
| Total Tax Payable | $11,147,000 | $8,032,000 | $6,492,000 | $4,158,000 |
| Accounts Payable | $38,074,000 | $28,797,000 | $15,209,000 | $34,627,000 |
| Equity | ||||
| Common Stock Equity | $1,193,687,000 | $1,457,230,000 | $1,342,732,000 | $1,199,466,000 |
| Total Equity Gross Minority Interest | $1,193,687,000 | $1,457,230,000 | $1,342,732,000 | $1,199,466,000 |
| Stockholders Equity | $1,193,687,000 | $1,457,230,000 | $1,342,732,000 | $1,199,466,000 |
| Gains Losses Not Affecting Retained Earnings | $-12,233,000 | $-8,922,000 | $-12,244,000 | $-13,859,000 |
| Other Equity Adjustments | $-12,233,000 | $-8,922,000 | $-12,244,000 | $-13,859,000 |
| Retained Earnings | $-1,024,396,000 | $-554,249,000 | $-624,053,000 | $-617,950,000 |
| Other | ||||
| Ordinary Shares Number | $81,992,467 | $84,530,418 | $83,025,637 | $81,440,669 |
| Share Issued | $81,992,467 | $84,530,418 | $83,025,637 | $81,440,669 |
| Tangible Book Value | $754,015,000 | $1,051,210,000 | $961,513,000 | $812,779,000 |
| Invested Capital | $1,871,781,000 | $2,131,798,000 | $1,741,635,000 | $1,596,637,000 |
| Working Capital | $522,480,000 | $962,613,000 | $457,899,000 | $726,342,000 |
| Capital Lease Obligations | $36,893,000 | $41,125,000 | $44,016,000 | $51,405,000 |
| Total Capitalization | $1,871,781,000 | $2,131,798,000 | $1,342,732,000 | $1,596,637,000 |
| Additional Paid In Capital | $2,230,308,000 | $2,020,393,000 | $1,979,021,000 | $1,831,267,000 |
| Capital Stock | $8,000 | $8,000 | $8,000 | $8,000 |
| Common Stock | $8,000 | $8,000 | $8,000 | $8,000 |
| Non Current Deferred Revenue | $1,633,000 | $4,533,000 | $3,628,000 | $5,988,000 |
| Long Term Capital Lease Obligation | $25,206,000 | $30,687,000 | $34,721,000 | $42,972,000 |
| Current Deferred Revenue | $437,181,000 | $340,253,000 | $281,855,000 | $206,923,000 |
| Current Capital Lease Obligation | $11,687,000 | $10,438,000 | $9,295,000 | $8,433,000 |
| Pensionand Other Post Retirement Benefit Plans Current | $146,331,000 | $140,613,000 | $109,084,000 | $103,980,000 |
| Current Accrued Expenses | $9,036,000 | $8,665,000 | $7,872,000 | $6,301,000 |
| Investments And Advances | $497,253,000 | $353,798,000 | $148,286,000 | $156,554,000 |
| Other Investments | $35,030,000 | $20,044,000 | $22,401,000 | $27,772,000 |
| Available For Sale Securities | $462,223,000 | $333,754,000 | $125,885,000 | $128,782,000 |
| Goodwill | $423,267,000 | $393,978,000 | $372,214,000 | $372,214,000 |
| Net PPE | $102,203,000 | $99,745,000 | $99,159,000 | $106,872,000 |
| Accumulated Depreciation | $-100,514,000 | $-85,131,000 | $-65,734,000 | $-49,059,000 |
| Gross PPE | $202,717,000 | $184,876,000 | $164,893,000 | $155,931,000 |
| Leases | $28,060,000 | $27,164,000 | $24,596,000 | $23,110,000 |
| Other Properties | $34,404,000 | $39,309,000 | $43,750,000 | $52,373,000 |
| Machinery Furniture Equipment | $140,253,000 | $118,403,000 | $96,547,000 | $80,448,000 |
| Properties | $0 | $0 | $0 | $0 |
| Other Short Term Investments | $380,175,000 | $451,541,000 | $455,576,000 | $396,872,000 |
Cash Flow Statement (Annual)
| Metric | 2026-07-31 | 2025-07-31 | 2024-07-31 | 2023-07-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $358,657,000 | $280,412,000 | $177,221,000 | $20,968,000 |
| Operating Activities | ||||
| Operating Cash Flow | $389,716,000 | $300,867,000 | $195,748,000 | $38,395,000 |
| Cash Flow From Continuing Operating Activities | $389,716,000 | $300,867,000 | $195,748,000 | $38,395,000 |
| Operating Gains Losses | $-632,000 | $49,894,000 | $-1,803,000 | - |
| Investing Activities | ||||
| Capital Expenditure | $-31,059,000 | $-20,455,000 | $-18,527,000 | $-17,427,000 |
| Investing Cash Flow | $-135,977,000 | $-236,965,000 | $-52,359,000 | $12,712,000 |
| Cash Flow From Continuing Investing Activities | $-135,978,000 | $-236,965,000 | $-52,359,000 | $12,712,000 |
| Net Other Investing Changes | $1,000 | - | - | - |
| Capital Expenditure Reported | $-19,003,000 | $-14,714,000 | $-12,165,000 | $-11,606,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-606,309,000 | $0 | $0 | $-261,807,000 |
| Issuance Of Capital Stock | $26,603,000 | $0 | $0 | - |
| Financing Cash Flow | $-578,977,000 | $82,293,000 | $1,055,000 | $-261,579,000 |
| Cash Flow From Continuing Financing Activities | $-578,977,000 | $82,293,000 | $1,055,000 | $-261,579,000 |
| Net Common Stock Issuance | $-579,706,000 | $0 | $0 | $-261,807,000 |
| Common Stock Issuance | $26,603,000 | $0 | $0 | - |
| Net Other Financing Charges | - | $-60,853,000 | - | - |
| Other | ||||
| Repayment Of Debt | $0 | $-532,596,000 | $0 | $0 |
| Issuance Of Debt | $0 | $671,840,000 | $0 | $0 |
| Interest Paid Supplemental Data | $9,298,000 | $11,796,000 | $5,000,000 | $5,000,000 |
| Income Tax Paid Supplemental Data | $13,171,000 | $7,557,000 | $8,919,000 | $5,167,000 |
| End Cash Position | $372,887,000 | $699,094,000 | $549,184,000 | $406,790,000 |
| Beginning Cash Position | $699,094,000 | $549,184,000 | $406,790,000 | $614,686,000 |
| Effect Of Exchange Rate Changes | $-969,000 | $3,715,000 | $-2,050,000 | $2,576,000 |
| Changes In Cash | $-325,238,000 | $146,195,000 | $144,444,000 | $-210,472,000 |
| Proceeds From Stock Option Exercised | $729,000 | $3,902,000 | $1,055,000 | $228,000 |
| Common Stock Payments | $-606,309,000 | $0 | $0 | $-261,807,000 |
| Net Issuance Payments Of Debt | $0 | $139,244,000 | $0 | $0 |
| Net Long Term Debt Issuance | $0 | $139,244,000 | $0 | $0 |
| Long Term Debt Payments | $0 | $-532,596,000 | $0 | $0 |
| Long Term Debt Issuance | $0 | $671,840,000 | $0 | $0 |
| Net Investment Purchase And Sale | $-66,966,000 | $-189,660,000 | $-33,832,000 | $30,139,000 |
| Sale Of Investment | $806,830,000 | $670,683,000 | $583,439,000 | $547,094,000 |
| Purchase Of Investment | $-873,796,000 | $-860,343,000 | $-617,271,000 | $-516,955,000 |
| Net Business Purchase And Sale | $-37,953,000 | $-26,850,000 | $0 | $0 |
| Purchase Of Business | $-37,953,000 | $-26,850,000 | $0 | $0 |
| Net PPE Purchase And Sale | $-12,056,000 | $-5,741,000 | $-6,362,000 | $-5,821,000 |
| Purchase Of PPE | $-12,056,000 | $-5,741,000 | $-6,362,000 | $-5,821,000 |
| Change In Working Capital | $-2,302,000 | $468,000 | $42,072,000 | $-14,062,000 |
| Change In Other Working Capital | $93,675,000 | $56,617,000 | $72,572,000 | $34,635,000 |
| Change In Other Current Liabilities | $625,000 | $-1,747,000 | $-2,819,000 | $7,292,000 |
| Change In Other Current Assets | $4,905,000 | $4,441,000 | $8,623,000 | $-19,000,000 |
| Change In Payables And Accrued Expense | $17,908,000 | $41,489,000 | $-12,480,000 | $6,360,000 |
| Change In Accrued Expense | $6,196,000 | $30,090,000 | $6,453,000 | $12,440,000 |
| Change In Payable | $11,712,000 | $11,399,000 | $-18,933,000 | $-6,080,000 |
| Change In Prepaid Assets | $-55,354,000 | $-58,054,000 | $-44,131,000 | $-22,613,000 |
| Change In Receivables | $-64,061,000 | $-42,278,000 | $20,307,000 | $-20,736,000 |
| Changes In Account Receivables | $-54,868,000 | $-3,348,000 | $12,631,000 | $-7,301,000 |
| Other Non Cash Items | $38,862,000 | $34,837,000 | $30,071,000 | $28,335,000 |
| Stock Based Compensation | $181,799,000 | $161,556,000 | $146,460,000 | $142,842,000 |
| Unrealized Gain Loss On Investment Securities | $-489,000 | $2,130,000 | $1,957,000 | $802,000 |
| Provisionand Write Offof Assets | $2,516,000 | $526,000 | $526,000 | $-131,000 |
| Amortization Of Securities | $-6,254,000 | $-10,326,000 | $-12,894,000 | $-4,858,000 |
| Deferred Tax | $8,981,000 | $-31,780,000 | $-26,847,000 | $-27,516,000 |
| Deferred Income Tax | $8,981,000 | $-31,780,000 | $-26,847,000 | $-27,516,000 |
| Depreciation Amortization Depletion | $27,952,000 | $23,758,000 | $22,309,000 | $24,838,000 |
| Depreciation And Amortization | $27,952,000 | $23,758,000 | $22,309,000 | $24,838,000 |
| Gain Loss On Investment Securities | $-632,000 | $-3,671,000 | $-1,803,000 | - |
| Net Income From Continuing Operations | $139,283,000 | $69,804,000 | $-6,103,000 | $-111,855,000 |
| Change In Account Payable | - | $11,399,000 | $-18,933,000 | $-6,080,000 |