GUIDEWIRE SOFTWARE, INC. (GWRE) Stock Analysis
Market Closed
Sector: Technology · Industry: Services-Prepackaged Software
AnalystsStrong Buy22 analystsWhat's happening with GWRE
Price History
5-Year Weekly Candlestick Chart
Profile
Strong earnings quality and financial health; growth and valuation lag behind.
How is each axis scored?
- Valuation47/100 · Weak
- P/E vs own history (31th pct)20/25
- FCF yield (2.7%)5/25
- P/S (8.8x)12/25
- EV/EBIT (n/a)10/25
- Growth45/100 · Weak
- Revenue CAGR (12.8%)20/25
- Net income CAGR (n/a)0/25
- EPS CAGR 5Y (n/a)0/25
- Fwd implied growth (125.3%)25/25
- Profitability64/100 · Moderate
- ROIC (16.3%)20/25
- ROE (12.1%)12/25
- Net margin (11.2%)20/25
- Operating margin (8.2%)12/25
- Financial Health75/100 · Strong
- Altman Z (6.88)25/25
- Current ratio (2.44)25/25
- Interest coverage (-7.0x)0/25
- Net cash / debt (Net cash)25/25
- Quality84/100 · Strong
- Piotroski F (7/9)22/25
- Beneish M (-2.70)25/25
- FCF conversion (211%)25/25
- Margin stability (σ 12.2%)12/25
About GUIDEWIRE SOFTWARE, INC.
Guidewire Software provides cloud-based software solutions for property and casualty insurers. Show more
The flagship product, InsuranceSuite, is a system of record and comprises ClaimCenter, a claims management system; PolicyCenter, a policy management system including policy definitions, quotas, issuance, maintenance, and renewal; and BillingCenter, for billing management, payment plans, and agent commissions. The company also offers InsuranceNow, a midmarket offering, as well as a variety of other add-on applications and services.
Headquarters: SAN MATEO, CA · Employees: 4,174 · Website ↗
Insider Transactions
Recent SEC Form 4 filings
- SellOpen market sale · filed 2026-08-27-2500 sh2026-08-27
- SellOpen market sale · filed 2026-08-26-1800 sh2026-08-25
- SellOpen market sale · filed 2026-08-24-1200 sh2026-08-24
- SellOpen market sale · filed 2026-08-26-16200 sh2026-08-19
- BuyGrant / award · filed 2026-08-12+578 sh2026-08-12
+3 more recent filings
Key Metrics
Financial snapshot — pillar inputs plus per-share and market context
Valuation
47D+P/E (TTM)82.2xD
Grade D: ExpensivePrice / TTM EPS (own statements) — vs own 5Y history: 53.8x–650.0x · 31st pct
P/FCF28.3xB
Grade B: FairPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield2.7%C
Grade C: LowTTM FCF / Market Cap — vs own 5Y history: -1.0%–3.8% · 94th pct
P/S (TTM)8.83xC
Grade C: ExpensivePrice / TTM Revenue (own statements) — vs own 5Y history: 5.2x–19.8x · 38th pct
EV/EBITDA71.1xD
Grade D: ExpensiveEnterprise value / EBITDA (Finnhub) — capital-structure neutral
EV/Sales8.6xC
Grade C: ExpensiveEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E36.5xD
Grade D: ExpensivePrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio9.52xD
Grade D: Very expensivePrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio0.89A
Grade A: CheapFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield—
TTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio—
Dividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
64BROIC16.3%A
Grade A: MoatNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE12.1%C
Grade C: AverageReturn on Equity. Neg. equity = heavy buybacks
ROA5.3%C
Grade C: AverageReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin11.2%A
Grade A: HighNet Income / Revenue
Operating Margin8.2%D
Grade D: LowTTM EBIT / TTM Revenue
Gross Margin64.0%A
Grade A: PremiumGross Profit / Revenue
FCF Margin23.7%A
Grade A: HighFCF / Revenue
True FCF Margin11.3%C
Grade C: AverageTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Financial Health
75B+Altman Z-Score6.88A
Grade A: SafeBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio2.44xA
Grade A: HighCurrent Assets/Liabilities
Quick Ratio1.72xA
Grade A: High(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage-7.0xD
Grade D: RiskyEBIT/Interest. >10 Strong
Debt RepaymentNet CashA
Grade A: FastYears to repay net debt via FCF
Net Debt/EBIT—
Leverage. <2x Low, >4x High
Debt/Equity0.57xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt—
Cash covers how much of total debt. >1 = could repay all debt from cash
Growth
45D+Revenue CAGR12.8%C
Grade C: OkCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR—
Compound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)—
Compound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth125.3%A
Grade A: HighImplied 1Y EPS growth from forward P/E vs our TTM EPS. Sparse — only where forward estimates exist
Dilution (5Y)+2.7%C
Grade C: DilutiveShare count change over 5Y
SBC / Net Income110.9%D
Grade D: HighStock-based comp/Net income. >30% = dilution risk
SBC / Revenue12.5%D
Grade D: HighTTM stock-based comp / TTM Revenue
Quality
6/9 Loss Years84APiotroski F-Score7/9A
Grade A: StrongFinancial strength 0–9. >7 Strong
Beneish M-Score-2.70A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion211.0%A
Grade A: StrongFCF / Net Income
Margin Stability12.2%C
Grade C: AverageEBIT margin std deviation. Lower = stable
Capex / Revenue0.9%A
Grade A: Asset-lightTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover0.57xC
Grade C: AverageRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
More metrics — Per Share, Balance Sheet, MarketHide additional metrics
Per Share
EPS (TTM)$1.86
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$9.18
Cash & short-term investments per share (Finnhub)
Book Value / Share$14.56
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt—
Total debt obligations (short + long term)
Cash & Equiv.$749.53M
Cash and short-term investments
Net Debt—
Total Debt minus Cash. Negative = Net Cash position
Total Equity$1.32B
Shareholders' equity (book value)
Asset / Liability2.08xA
Grade A: SolidTotal Assets / Total Liabilities
Market
Market Cap$12.54B
Current Market Capitalization
Beta1.00B
Grade B: MarketPrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
Takeaway
GWRE exhibits robust financial health and solid profitability, while its current valuation trades near its historical median.
Company is effectively debt-free after netting cash. · Current P/E of 82.2x sits at the 31st percentile of its historical range.
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Apr 2026 · Ratio snapshot Sep 24, 2026
Key Insights: GUIDEWIRE SOFTWARE, INC. (GWRE)
Composite verdict for GUIDEWIRE SOFTWARE, INC.: GWRE exhibits robust financial health and solid profitability, while its current valuation trades near its historical median.. GUIDEWIRE SOFTWARE, INC. meets 7 of 9 Piotroski F-Score criteria, placing its fundamental strength in the top tier of US-listed stocks. Altman Z-Score of 6.88 sits comfortably in the safe zone (≥ 2.99), indicating low bankruptcy risk. Beneish M-Score of -2.70 suggests a low likelihood of earnings manipulation.
- GUIDEWIRE SOFTWARE, INC. converts about 24% of revenue into free cash flow — strong cash generation.
- Company is effectively debt-free after netting cash.
- Interest coverage of -7.0× leaves little room for earnings shocks.
- GUIDEWIRE SOFTWARE, INC. posted a net loss in 6 of 9 available completed fiscal years (2017–2025).
See how GWRE ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all GWRE moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Sep 21 | Regular | 149.26 | +3.44% | 2.30 |
| Sep 21 | After-hours | 149.38 | +3.53% | 2.35 |
Frequently Asked Questions about GWRE
Is GWRE stock a buy right now?
PreMarketPrice's quantitative model rates GUIDEWIRE SOFTWARE, INC.'s financial health at 75/100 — GWRE exhibits robust financial health and solid profitability, while its current valuation trades near its historical median.. This is a data-driven snapshot of fundamentals, not investment advice.
Is GWRE stock overvalued?
GUIDEWIRE SOFTWARE, INC. trades at a trailing P/E of 82.2 and our valuation score rates it 47/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does GUIDEWIRE SOFTWARE, INC. report earnings?
No confirmed earnings date is currently scheduled for GWRE. The Earnings section lists recent reports and updates as dates are announced.
What sector does GUIDEWIRE SOFTWARE, INC. operate in?
GUIDEWIRE SOFTWARE, INC. operates in the Technology sector, within the Services-Prepackaged Software industry. The Related Stocks section lists sector peers for comparison.
What does GUIDEWIRE SOFTWARE, INC. do?
Guidewire Software provides cloud-based software solutions for property and casualty insurers.
About GUIDEWIRE SOFTWARE, INC. (GWRE) Stock
GUIDEWIRE SOFTWARE, INC. (GWRE) is a US-listed stock operating in the Technology sector, specifically the Services-Prepackaged Software industry. Real-time pricing data for GUIDEWIRE SOFTWARE, INC. is available on this page with a market capitalization of $12.5 billion. The financial health score for GWRE is 75/100, which indicates excellent financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for GWRE stock.
GWRE Stock Analysis & Key Metrics
On PreMarketPrice, you can track GUIDEWIRE SOFTWARE, INC. (GWRE) across multiple dimensions:
- Pre-market price & movement: Real-time GWRE stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for GWRE with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for GUIDEWIRE SOFTWARE, INC. across multiple reporting periods.
- Financial health score: A composite score of 75/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for GWRE.
- Sector peers: Compare GWRE against 10 other technology stocks on key financial metrics.
Is GWRE a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate GUIDEWIRE SOFTWARE, INC. (GWRE) as an investment. The financial health score of 75/100 suggests excellent financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.GUIDEWIRE SOFTWARE, INC. (GWRE) trades on NYSE/NASDAQ. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.