GWRE Chart
About

Guidewire Software, Inc. provides a platform for property and casualty (P&C) insurers worldwide. It offers Guidewire InsuranceSuite, such as PolicyCenter, ClaimCenter, and BillingCenter 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 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. Further, the company provides Guidewire Digital Engagement Applications, which enable insurers to provide digital experiences; Guidewire Predict, a P&C-specific machine-learning platform; Guidewire HazardHub that allows insurers to understand, assess, price, and manage property risk; Guidewire Canvas, Guidewire Compare, Guidewire industry Intel, Guidewire Data Studio, 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.

Fundamentals
Scroll to Statements
Sector Technology Industry Software - Application Market Cap 13.27B
Enterprise Value 13.24B Income 189.36M Sales 1.34B
Book/sh 17.84 Cash/sh 10.86 Dividend Yield
Payout 0.00% Employees 3961 IPO
P/E 147.29 Forward P/E 36.87 PEG
P/S 9.89 P/B 8.75 P/C
EV/EBITDA 127.84 EV/Sales 9.87 Quick Ratio 2.74
Current Ratio 2.93 Debt/Eq 46.67 LT Debt/Eq
EPS (ttm) 1.06 EPS next Y 4.23 EPS Growth
Revenue Growth 24.00% Earnings 2026-06-02 ROA 2.17%
ROE 13.63% ROIC Gross Margin 63.76%
Oper. Margin 10.71% Profit Margin 14.11% Shs Outstand 85.02M
Shs Float 78.72M Short Float 4.88% Short Ratio 2.01
Short Interest 52W High 272.60 52W Low 120.37
Beta 1.09 Avg Volume 1.69M Volume 183.71K
Target Price $234.14 Recom Buy Prev Close $158.93
Price $156.13 Change -1.76%
Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$234.14
Mean price target
2. Current target
$156.13
Latest analyst target
3. DCF / Fair value
$43.63
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$156.13
Low
$160.00
High
$300.00
Mean
$234.14

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-03-10 main DA Davidson Buy → Buy $246
2026-03-06 main RBC Capital Outperform → Outperform $250
2026-03-06 main Stifel Buy → Buy $250
2026-03-06 main BTIG Buy → Buy $200
2026-02-24 main Oppenheimer Outperform → Outperform $250
2026-02-18 main BTIG Buy → Buy $175
2026-02-04 main Wells Fargo Overweight → Overweight $210
2026-01-08 main Wells Fargo Overweight → Overweight $250
2025-12-17 up DA Davidson Neutral → Buy $246
2025-12-12 main Citizens Market Outperform → Market Outperform $300
2025-12-10 reit Citizens Market Outperform → Market Outperform $281
2025-12-05 main Citigroup Neutral → Neutral $245
2025-12-04 main DA Davidson Neutral → Neutral $250
2025-12-01 main DA Davidson Neutral → Neutral $250
2025-11-26 main Citigroup Neutral → Neutral $242
2025-09-09 main Citigroup Neutral → Neutral $267
2025-09-08 main DA Davidson Neutral → Neutral $250
2025-09-05 reit Raymond James Outperform → Outperform $275
2025-09-05 main Goldman Sachs Buy → Buy $305
2025-09-05 main Wells Fargo Overweight → Overweight $275
Insider Transactions
Date Shares Value Url Text Insider Position Transaction Start Date Ownership
0 1200 199608.0 Sale at price 166.34 per share. ROSENBAUM MICHAEL GEORGE Chief Executive Officer 2026-03-09 00:00:00 D
1 1200 172644.0 Sale at price 143.87 per share. ROSENBAUM MICHAEL GEORGE Chief Executive Officer 2026-03-02 00:00:00 D
2 1200 150600.0 Sale at price 125.50 per share. ROSENBAUM MICHAEL GEORGE Chief Executive Officer 2026-02-23 00:00:00 D
3 1200 152400.0 Sale at price 127.00 per share. ROSENBAUM MICHAEL GEORGE Chief Executive Officer 2026-02-17 00:00:00 D
4 1200 153324.0 Sale at price 127.77 per share. ROSENBAUM MICHAEL GEORGE Chief Executive Officer 2026-02-09 00:00:00 D
5 1200 168012.0 Sale at price 140.01 per share. ROSENBAUM MICHAEL GEORGE Chief Executive Officer 2026-02-02 00:00:00 D
6 1200 192384.0 Sale at price 160.32 per share. ROSENBAUM MICHAEL GEORGE Chief Executive Officer 2026-01-26 00:00:00 D
7 1200 187512.0 Sale at price 156.26 per share. ROSENBAUM MICHAEL GEORGE Chief Executive Officer 2026-01-20 00:00:00 D
8 216 39068.0 Sale at price 180.87 per share. COOPER JEFFREY ELLIOTT Chief Financial Officer 2026-01-13 00:00:00 D
9 1200 217044.0 Sale at price 180.87 per share. ROSENBAUM MICHAEL GEORGE Chief Executive Officer 2026-01-13 00:00:00 D
Financials
Line Item2025-07-312024-07-312023-07-312022-07-31
TaxEffectOfUnusualItems0.000.000.000.00
TaxRateForCalcs0.210.210.170.21
NormalizedEBITDA86.36M2.21M-102.54M-176.73M
NetIncomeFromContinuingOperationNetMinorityInterest69.80M-6.10M-111.86M-180.43M
ReconciledDepreciation23.76M22.31M24.84M33.54M
ReconciledCostOfRevenue450.41M397.14M447.13M435.44M
EBITDA86.36M2.21M-102.54M-176.73M
EBIT62.61M-20.10M-127.38M-210.27M
NetInterestIncome43.41M36.74M17.67M-13.17M
InterestExpense13.21M6.74M6.72M19.45M
InterestIncome56.62M43.48M24.39M6.28M
NormalizedIncome69.80M-6.10M-111.86M-180.43M
NetIncomeFromContinuingAndDiscontinuedOperation69.80M-6.10M-111.86M-180.43M
TotalExpenses1.16B1.03B1.05B1.01B
TotalOperatingIncomeAsReported41.07M-52.57M-149.49M-199.45M
DilutedAverageShares85.91M82.29M82.18M83.57M
BasicAverageShares83.85M82.29M82.18M83.57M
DilutedEPS0.81-0.07-1.36-2.16
BasicEPS0.83-0.07-1.36-2.16
DilutedNIAvailtoComStockholders69.80M-6.10M-111.86M-180.43M
NetIncomeCommonStockholders69.80M-6.10M-111.86M-180.43M
NetIncome69.80M-6.10M-111.86M-180.43M
NetIncomeIncludingNoncontrollingInterests69.80M-6.10M-111.86M-180.43M
NetIncomeContinuousOperations69.80M-6.10M-111.86M-180.43M
TaxProvision-20.41M-20.73M-22.24M-49.28M
PretaxIncome49.40M-26.84M-134.09M-229.72M
OtherIncomeExpense-35.09M-11.01M-2.28M-17.10M
OtherNonOperatingIncomeExpenses-35.09M-11.01M-2.28M-17.10M
NetNonOperatingInterestIncomeExpense43.41M36.74M17.67M-13.17M
InterestExpenseNonOperating13.21M6.74M6.72M19.45M
InterestIncomeNonOperating56.62M43.48M24.39M6.28M
OperatingIncome41.07M-52.57M-149.49M-199.45M
OperatingExpense710.99M635.93M607.70M576.62M
ResearchAndDevelopment296.16M269.38M249.75M229.23M
SellingGeneralAndAdministration414.82M366.55M357.95M347.39M
SellingAndMarketingExpense230.35M199.03M188.22M182.62M
GeneralAndAdministrativeExpense184.48M167.52M169.73M164.77M
OtherGandA184.48M167.52M169.73M164.77M
GrossProfit752.05M583.36M458.21M377.18M
CostOfRevenue450.41M397.14M447.13M435.44M
TotalRevenue1.20B980.50M905.34M812.61M
OperatingRevenue1.20B980.50M905.34M812.61M
Line Item2025-07-312024-07-312023-07-312022-07-31
OrdinarySharesNumber84.53M83.03M81.44M84.08M
ShareIssued84.53M83.03M81.44M84.08M
TotalDebt715.69M442.92M448.58M475.58M
TangibleBookValue1.05B961.51M812.78M1.06B
InvestedCapital2.13B1.74B1.60B1.81B
WorkingCapital962.61M457.90M726.34M915.18M
NetTangibleAssets1.05B961.51M812.78M1.06B
CapitalLeaseObligations41.12M44.02M51.41M117.36M
CommonStockEquity1.46B1.34B1.20B1.45B
TotalCapitalization2.13B1.34B1.60B1.81B
TotalEquityGrossMinorityInterest1.46B1.34B1.20B1.45B
StockholdersEquity1.46B1.34B1.20B1.45B
GainsLossesNotAffectingRetainedEarnings-8.92M-12.24M-13.86M-19.84M
OtherEquityAdjustments-8.92M-12.24M-13.86M-19.84M
RetainedEarnings-554.25M-624.05M-617.95M-283.98M
AdditionalPaidInCapital2.02B1.98B1.83B1.76B
CapitalStock8.00K8.00K8.00K8.00K
CommonStock8.00K8.00K8.00K8.00K
TotalLiabilitiesNetMinorityInterest1.26B883.56M828.42M815.24M
TotalNonCurrentLiabilitiesNetMinorityInterest719.07M45.93M455.16M477.72M
OtherNonCurrentLiabilities9.28M7.58M9.03M6.88M
NonCurrentDeferredLiabilities4.53M3.63M5.99M7.50M
NonCurrentDeferredRevenue4.53M3.63M5.99M7.50M
LongTermDebtAndCapitalLeaseObligation705.25M34.72M440.14M463.34M
LongTermCapitalLeaseObligation30.69M34.72M42.97M105.12M
LongTermDebt674.57M397.17M358.22M343.82M
CurrentLiabilities544.80M837.63M373.26M337.52M
OtherCurrentLiabilities8.00M8.93M8.84M5.96M
CurrentDeferredLiabilities340.25M281.86M206.92M170.78M
CurrentDeferredRevenue340.25M281.86M206.92M170.78M
CurrentDebtAndCapitalLeaseObligation10.44M408.20M8.43M12.24M
CurrentCapitalLeaseObligation10.44M9.29M8.43M12.24M
CurrentDebt398.90M
OtherCurrentBorrowings398.90M
PensionandOtherPostRetirementBenefitPlansCurrent140.61M109.08M103.98M90.96M
PayablesAndAccruedExpenses45.49M29.57M45.09M57.58M
CurrentAccruedExpenses8.66M7.87M6.30M10.57M
Payables36.83M21.70M38.78M47.01M
TotalTaxPayable8.03M6.49M4.16M6.57M
AccountsPayable28.80M15.21M34.63M40.44M
TotalAssets2.72B2.23B2.03B2.27B
TotalNonCurrentAssets1.21B930.76M928.28M1.01B
OtherNonCurrentAssets2.07M4.98M
NonCurrentPrepaidAssets5.91M3.21M3.11M3.08M
NonCurrentDeferredAssets347.54M294.73M261.88M222.11M
NonCurrentDeferredTaxesAssets297.23M253.09M226.88M191.46M
NonCurrentAccountsReceivable670.00K4.16M11.11M13.91M
InvestmentsAndAdvances353.80M148.29M156.55M205.53M
OtherInvestments20.04M22.40M27.77M18.02M
InvestmentinFinancialAssets333.75M125.89M128.78M187.51M
AvailableForSaleSecurities333.75M125.89M128.78M187.51M
GoodwillAndOtherIntangibleAssets406.02M381.22M386.69M393.55M
OtherIntangibleAssets12.04M9.01M14.47M21.36M
Goodwill393.98M372.21M372.21M372.19M
NetPPE99.75M99.16M106.87M171.03M
AccumulatedDepreciation-85.13M-65.73M-49.06M-56.35M
GrossPPE184.88M164.89M155.93M227.38M
Leases27.16M24.60M23.11M59.06M
OtherProperties39.31M43.75M52.37M90.29M
MachineryFurnitureEquipment118.40M96.55M80.45M78.03M
Properties0.000.000.000.00
CurrentAssets1.51B1.30B1.10B1.25B
CurrentDeferredAssets27.06M24.00M22.67M24.81M
PrepaidAssets32.76M25.79M21.76M24.27M
Receivables298.15M242.18M256.49M227.45M
OtherReceivables157.51M104.84M105.45M83.65M
AccountsReceivable140.64M137.34M151.03M143.80M
AllowanceForDoubtfulAccountsReceivable-1.17M-646.00K-218.00K-359.00K
GrossAccountsReceivable141.81M137.99M151.25M144.16M
CashCashEquivalentsAndShortTermInvestments1.15B1.00B798.68M976.17M
OtherShortTermInvestments451.54M455.58M396.87M369.87M
CashAndCashEquivalents697.90M547.99M401.81M606.30M
Line Item2025-07-312024-07-312023-07-312022-07-31
FreeCashFlow280.41M177.22M20.97M-59.72M
RepurchaseOfCapitalStock0.000.00-261.81M-37.45M
RepaymentOfDebt-532.60M0.000.00
IssuanceOfDebt671.84M0.000.00
CapitalExpenditure-20.45M-18.53M-17.43M-21.78M
InterestPaidSupplementalData11.80M5.00M5.00M5.00M
IncomeTaxPaidSupplementalData7.56M8.92M5.17M4.32M
EndCashPosition699.09M549.18M406.79M614.69M
BeginningCashPosition549.18M406.79M614.69M384.91M
EffectOfExchangeRateChanges3.71M-2.05M2.58M-7.16M
ChangesInCash146.19M144.44M-210.47M236.94M
FinancingCashFlow82.29M1.05M-261.58M-37.34M
CashFlowFromContinuingFinancingActivities82.29M1.05M-261.58M-37.34M
NetOtherFinancingCharges-60.85M
ProceedsFromStockOptionExercised3.90M1.05M228.00K116.00K
NetCommonStockIssuance0.000.00-261.81M-37.45M
CommonStockPayments0.000.00-261.81M-37.45M
NetIssuancePaymentsOfDebt139.24M0.000.00
NetLongTermDebtIssuance139.24M0.000.00
LongTermDebtPayments-532.60M0.000.00
LongTermDebtIssuance671.84M0.000.00
InvestingCashFlow-236.97M-52.36M12.71M312.21M
CashFlowFromContinuingInvestingActivities-236.97M-52.36M12.71M312.21M
NetInvestmentPurchaseAndSale-189.66M-33.83M30.14M377.82M
SaleOfInvestment670.68M583.44M547.09M908.91M
PurchaseOfInvestment-860.34M-617.27M-516.96M-531.10M
NetBusinessPurchaseAndSale-26.85M0.000.00-43.83M
PurchaseOfBusiness-26.85M0.000.00-43.83M
NetPPEPurchaseAndSale-5.74M-6.36M-5.82M-9.51M
PurchaseOfPPE-5.74M-6.36M-5.82M-9.51M
CapitalExpenditureReported-14.71M-12.16M-11.61M-12.27M
OperatingCashFlow300.87M195.75M38.40M-37.94M
CashFlowFromContinuingOperatingActivities300.87M195.75M38.40M-37.94M
ChangeInWorkingCapital11.31M52.67M-14.06M-9.40M
ChangeInOtherWorkingCapital56.62M72.57M34.63M31.56M
ChangeInOtherCurrentLiabilities-1.75M-2.82M7.29M-4.94M
ChangeInOtherCurrentAssets4.44M8.62M-19.00M7.16M
ChangeInPayablesAndAccruedExpense41.49M-12.48M6.36M4.64M
ChangeInAccruedExpense30.09M6.45M12.44M-8.94M
ChangeInPayable11.40M-18.93M-6.08M13.58M
ChangeInAccountPayable11.40M-18.93M-6.08M13.58M
ChangeInPrepaidAssets-47.21M-33.53M-22.61M-23.39M
ChangeInReceivables-42.28M20.31M-20.74M-24.44M
ChangesInAccountReceivables-3.35M12.63M-7.30M-42.55M
OtherNonCashItems23.99M19.47M28.34M28.91M
StockBasedCompensation161.56M146.46M142.84M137.01M
UnrealizedGainLossOnInvestmentSecurities2.13M1.96M802.00K-1.54M
ProvisionandWriteOffofAssets526.00K526.00K-131.00K2.60M
AmortizationOfSecurities-10.33M-12.89M-4.86M5.50M
DeferredTax-31.78M-26.85M-27.52M-54.12M
DeferredIncomeTax-31.78M-26.85M-27.52M-54.12M
DepreciationAmortizationDepletion23.76M22.31M24.84M33.54M
DepreciationAndAmortization23.76M22.31M24.84M33.54M
OperatingGainsLosses49.89M-1.80M
GainLossOnInvestmentSecurities-3.67M-1.80M
NetIncomeFromContinuingOperations69.80M-6.10M-111.86M-180.43M
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

Public Trades for GWRE
Date User Broker Pattern Type Position Size Entry Price Trade P&L Status