Guidewire Software Inc. (GWRE)
NYSE:GWRE
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GWRE Stock Chart & Stats
$140.36
$0.12(0.07%)
At close: 4:00 PM EST
$140.36
$0.12(0.07%)
Day’s Range― - ―
52-Week Range$115.57 - $272.60
Previous CloseN/A
Volume138.88K
Average Volume (3M)1.54M
Market Cap
$9.71B
Enterprise Value$13.28B
Total Cash (Recent Filing)$749.53M
Total Debt (Recent Filing)$704.24M
Price to Earnings (P/E)61.7
Beta0.76
Next Earnings
Sep 03, 2026EPS Estimate
0.93Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)1.89
Shares Outstanding83,256,360
10 Day Avg. Volume1,996,823
30 Day Avg. Volume1,541,384
Financial Highlights & Ratios
PEG Ratio-0.22
Price to Book (P/B)13.02
Price to Sales (P/S)15.77
P/FCF Ratio64.27
Enterprise Value/Market Cap1.37
Enterprise Value/Revenue9.34
Enterprise Value/Gross Profit14.60
Enterprise Value/Ebitda78.22
Forecast
1Y Price Target
$201.67Price Target Upside43.68% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering13
EPS Forecast (FY)3.51
Revenue Forecast (FY)$1.44B
Bulls Say, Bears Say
Bulls Say
Recurring ARR GrowthSustained ARR growth of ~19% indicates expanding recurring subscription revenue and deeper customer engagements. Durable ARR expansion supports predictable cash flows, long sales cycles typical in P&C core system modernization, and cross-sell of new modules like PricingCenter and ProNavigator.
Improving Profitability And MarginsMeaningful margin recovery (higher gross and positive EBIT/net margins) demonstrates the business converting revenue into earnings sustainably. Improved unit economics support reinvestment in product development and cloud operations, reducing reliance on one-off outcomes to deliver profitability over time.
Strong Cash Position And Cash GenerationA large cash balance and upgraded operating cash flow guidance provide durable financial flexibility for product investment, partner programs, or M&A. FCF near net income signals earnings quality and supports continued reinvestment, buybacks, and a buffer against execution variability.
Bears Say
Low Services MarginsServices remain a meaningful revenue stream but low ~14% gross margins, driven by subcontractor use, erode overall profitability and limit free-cash-flow upside. Unless Guidewire improves delivery leverage or shifts mix to higher-margin cloud/subscription, services pressure will persistently constrain margins.
Deal Concentration And Lumpy RevenueDependence on a handful of large transformational deals creates timing volatility in ARR and bookings, complicating forecasting and resource planning. This structural concentration raises execution risk across quarters and can delay revenue recognition, affecting durable predictability of cash flows.
Rising Leverage And Equity DeclineAn increasing debt-to-equity ratio and a shrinking equity base reduce balance-sheet cushion and financial flexibility. Coupled with TTM free cash flow declines noted elsewhere, higher leverage raises risk in downturns and constrains strategic optionality for sustained investments or larger acquisitions.
Guidewire News
GWRE FAQ
What was Guidewire Software Inc.’s price range in the past 12 months?
Guidewire Software Inc. lowest stock price was $115.57 and its highest was $272.60 in the past 12 months.
What is Guidewire Software Inc.’s market cap?
Guidewire Software Inc.’s market cap is $9.71B.
When is Guidewire Software Inc.’s upcoming earnings report date?
Guidewire Software Inc.’s upcoming earnings report date is Sep 03, 2026 which is in 84 days.
How were Guidewire Software Inc.’s earnings last quarter?
Guidewire Software Inc. released its earnings results on Jun 04, 2026. The company reported $0.82 earnings per share for the quarter, beating the consensus estimate of $0.743 by $0.077.
Is Guidewire Software Inc. overvalued?
According to Wall Street analysts Guidewire Software Inc.’s price is currently Undervalued.
Does Guidewire Software Inc. pay dividends?
Guidewire Software Inc. does not currently pay dividends.
What is Guidewire Software Inc.’s EPS estimate?
Guidewire Software Inc.’s EPS estimate is 0.93.
How many shares outstanding does Guidewire Software Inc. have?
Guidewire Software Inc. has 83,256,360 shares outstanding.
What happened to Guidewire Software Inc.’s price movement after its last earnings report?
Guidewire Software Inc. reported an EPS of $0.82 in its last earnings report, beating expectations of $0.743. Following the earnings report the stock price went down -9.995%.
Which hedge fund is a major shareholder of Guidewire Software Inc.?
Currently, no hedge funds are holding shares in GWRE
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Guidewire Stock Smart Score
Outperform
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7
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9
10
Analyst Consensus
Strong Buy
Average Price Target:
$201.67 (43.68% Upside)
$201.67 (43.68% Upside)
Blogger Sentiment
Bullish
GWRE Sentiment 70%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 1.7M Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $2.4M over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Positive
Last 7 Days ▲ 3.5%
Last 30 Days ▲ 15.3%
Last 30 Days ▲ 15.3%
News Sentiment
Bullish
Bullish news 79%
Bearish news 16%
Bearish news 16%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-53.68%
12-Months-Change
Fundamentals
Return on Equity
12.92%
Trailing 12-Months
Asset Growth
1.89%
Trailing 12-Months
Company Description
Guidewire Software Inc.
Guidewire Software, Inc. is a global supplier of software solutions tailored for the property and casualty insurance industry. Its primary offering is Guidewire InsuranceSuite, a comprehensive platform that incorporates core applications like PolicyCenter, BillingCenter, and ClaimCenter. The company also furnishes Guidewire InsuranceNow, a cloud-native platform providing integrated policy, billing, and claims administration for insurers, alongside a self-managed version of the InsuranceSuite. Guidewire's product portfolio extends to specialized management tools, including Rating Management for accurate insurance product pricing, Reinsurance Management for executing rules-based reinsurance strategies throughout underwriting and claims processes, Client Data Management for effective utilization of customer information, and Product Content Management, which provides software tools and standardized templates to streamline the introduction and modification of insurance products. Further innovative solutions encompass Guidewire Underwriting Management, a cloud-based business application; AppReader, designed for efficient submission intake; a specialized Guidewire ClaimCenter Package that supports the unique claims workflows of the London Market; Digital Engagement Applications enabling insurers to deliver seamless digital experiences to customers, agents, and vendors across various devices; and Guidewire for Salesforce, which integrates crucial customer policy and claims data. Additionally, the company provides a robust data and analytics suite, featuring cloud-native Predictive Analytics applications, Risk Insights to help insurers evaluate emerging risks, Business Intelligence tools for performance measurement, DataHub as an operational data store, and InfoCenter for business intelligence warehousing. Guidewire also offers extensive implementation, integration, and professional services to support its clients. Established in 2001, Guidewire Software, Inc. maintains its corporate headquarters in San Mateo, California.
GWRE Company Deck
GWRE Earnings Call
Q3 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presented multiple strong financial beats and upgrades (27% revenue growth, ARR +19% YoY, improved margins, increased revenue and cash flow guidance), meaningful product momentum (cloud wins, PricingCenter, ProNavigator), and tangible productivity gains from AI tooling (3,000-attendee developer summit; ~35% migration improvement). The primary negatives were quarter-to-quarter timing/close volatility driven by a small number of large deals, modest services margin pressure from subcontractor usage, and early-stage uncertainty around LLM token costs. On balance, the positives (financial beats, upgraded guidance, product/customer traction, and operational productivity gains) materially outweigh the limited operational and timing risks noted.View all GWRE earnings summariesGWRE Stock 12 Month Forecast
Average Price Target
$201.67
▲(43.68% Upside)
Technical Analysis
Ownership Overview
0.62% Insiders
30.61% Mutual Funds
42.10% Other Institutional Investors
3.62% Public Companies and
Individual Investors