GUIDEWIRE SOFTWARE (GWRE)
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Guidewire Software, Inc. develops core technology for the property and casualty insurance industry, serving insurers that need modern systems to underwrite policies, manage claims, bill customers, and interact with agents and policyholders. Its platform is built around InsuranceSuite, a set of applications that includes PolicyCenter for policy administration, ClaimCenter for claims handling, and BillingCenter for premium billing, payment plans, and commission workflows.
The company’s software addresses a market where many insurers still rely on complex legacy systems but face pressure to launch products faster, improve customer experience, and use data more effectively. Guidewire supports this shift through cloud-based deployments, digital portals, analytics, data services, and integrations that help carriers automate processes and connect with external partners. Its products are used by insurers across personal, commercial, and specialty lines.
Guidewire also offers InsuranceNow, a cloud product aimed at smaller and midmarket insurers, along with add-on applications for underwriting, rating, customer engagement, and business intelligence. The Guidewire Marketplace extends the ecosystem by providing prebuilt integrations and partner solutions.
As a listed software company, Guidewire is closely associated with the digital transformation of property and casualty insurance. Its business model is increasingly oriented toward subscription and cloud revenue, reflecting broader enterprise software trends. The company’s distinct position comes from its focus on one large, regulated industry and from the depth of functionality required to run mission-critical insurance operations at scale.
Last updated
- Market Cap
- 12.8B
- P/E
- 67.58
- P/FCF
- 41.34
- P/S
- 9.54
- Enterprise Value
- 13.07B
- Sector
- Industrials
- Industry
- Prepackaged Software
- Address
- 970 PARK PL, SUITE 200, SAN MATEO, CA, 94403
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- Market Cap
Market cap is the total value of a company's shares, calculated by multiplying the stock price by the number of shares outstanding.
- 12.8B
- Enterprise Value
Enterprise value is the total value of a company, including its market cap, debt, and cash.
- 13.07B
- P/E
P/E ratio compares a company's share price to its earnings per share.
- 67.58
- P/B
P/B ratio compares a company's share price to its book value per share.
- 8.47
- P/S
P/S ratio compares a company's share price to its revenue per share.
- 9.54
- EV / EBITDA
EV/EBITDA measures a company's value compared to its earnings before interest, taxes, depreciation, and amortization.
- 90.7
- EV / Sales
EV/Sales measures a company's value compared to its total revenue.
- 9.74
- EPS
- 2.24
- Dividend Yield
Dividend yield shows how much a company pays in dividends each year compared to its share price.
- 0%
- P/FCF
Price-to-free-cash-flow ratio compares a company's share price to the cash it generates after expenses and investments.
- 41.34
- P/CF
P/CF ratio compares a company's share price to the cash flow it generates from its operations.
- 39.77
- Free Cash Flow
Free cash flow is the cash a company has left after covering operating costs and capital expenses.
- 309.56M
- ROE
ROE measures how effectively a company uses shareholders' equity to generate profit.
- 12.54%
- ROA
ROA measures how effectively a company uses its assets to generate profit.
- 7.03%
- Debt / Equity
Debt-to-equity ratio compares a company's total debt to its shareholders' equity.
- 0.45
- Current Ratio
Current ratio measures a company's ability to pay short-term debts using its short-term assets.
- 2.93
- Quick Ratio
Quick ratio measures a company's ability to pay short-term debts using cash and other easily available assets.
- 2.93
- Cash
Cash ratio measures a company's ability to cover short-term debts using only cash and cash equivalents.
- 0.89
- Avg Volume
Average volume shows the average number of shares traded over the last 30 trading days, helping indicate liquidity.
- 1.42M
- Fundamentals Snapshot Price
Fundamentals snapshot price is the stock price used when calculating the company's financial ratios and metrics.
- 151.17
Income Statement
| Line Item | 2026 Q2 | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 |
|---|---|---|---|---|---|
| Revenue | 359.1M | 332.64M | 356.57M | 293.51M | 289.48M |
| Gross profit | 231.52M | 209.52M | 231.81M | 182.7M | 179.15M |
| Operating income | 38.44M | 18.48M | 29.6M | 4.47M | 11.72M |
| EBITDA | 53.98M | 33.64M | 55.87M | 562K | 24.9M |
| Net income | 60.11M | 31.31M | 51.95M | 45.99M | -37.28M |
| Basic EPS | 0.71 | 0.37 | 0.62 | 0.55 | -0.45 |
| Diluted EPS | 0.7 | 0.36 | 0.6 | 0.54 | -0.45 |
Balance Sheet
| Line Item | 2026 Q2 | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 |
|---|---|---|---|---|---|
| Total assets | 2.69B | 2.64B | 2.72B | 2.49B | 2.54B |
| Total liabilities | 1.18B | 1.11B | 1.26B | 1.13B | 1.27B |
| Total equity | 1.51B | 1.53B | 1.46B | 1.36B | 1.27B |
| Cash & equivalents | 407.95M | 492.04M | 697.9M | 510.32M | 697.49M |
| Current assets | 1.35B | 1.36B | 1.51B | 1.31B | 1.48B |
| Current liabilities | 458.98M | 389.86M | 544.8M | 405.91M | 558.68M |
Cash Flow
| Line Item | 2026 Q2 | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 |
|---|---|---|---|---|---|
| Operating cash flow | 112.05M | -67.4M | 244.83M | 32.35M | 85.99M |
| Investing cash flow | -65.8M | -138.77M | -58.39M | -48.06M | -52.92M |
| Financing cash flow | -134.71M | 413K | 728K | -178.35M | -155.59M |
| Change in cash | -85.28M | -205.86M | 187.58M | -187.17M | -126.07M |
| Kind | Filing | Date | Link |
|---|---|---|---|
| edgar index | 8-K — Guidewire Software, Inc. | View Filing | |
| edgar index | 4 — Guidewire Software, Inc. | View Filing | |
| edgar index | 144 — Guidewire Software, Inc. | View Filing | |
| form 4 | Form 4 — Rosenbaum Michael George | View Filing | |
| edgar index | 4 — Guidewire Software, Inc. | View Filing | |
| edgar index | 144 — Guidewire Software, Inc. | View Filing | |
| form 4 | Form 4 — Rosenbaum Michael George | View Filing | |
| edgar index | 4 — Guidewire Software, Inc. | View Filing | |
| edgar index | 144 — Guidewire Software, Inc. | View Filing | |
| form 4 | Form 4 — Rosenbaum Michael George | View Filing | |
| edgar index | SCHEDULE 13G/A — Guidewire Software, Inc. | View Filing | |
| edgar index | SCHEDULE 13G/A — Guidewire Software, Inc. | View Filing | |
| edgar index | SCHEDULE 13G/A — Guidewire Software, Inc. | View Filing | |
| edgar index | 4 — Guidewire Software, Inc. | View Filing | |
| edgar index | 144 — Guidewire Software, Inc. | View Filing | |
| form 4 | Form 4 — Rosenbaum Michael George | View Filing | |
| edgar index | 4 — Guidewire Software, Inc. | View Filing | |
| edgar index | 144 — Guidewire Software, Inc. | View Filing | |
| form 4 | Form 4 — Rosenbaum Michael George | View Filing | |
| edgar index | SCHEDULE 13G — Guidewire Software, Inc. | View Filing | |
| edgar index | 4 — Guidewire Software, Inc. | View Filing | |
| edgar index | 144 — Guidewire Software, Inc. | View Filing | |
| form 4 | Form 4 — Rosenbaum Michael George | View Filing | |
| edgar index | 4 — Guidewire Software, Inc. | View Filing | |
| edgar index | 144 — Guidewire Software, Inc. | View Filing | |
| form 4 | Form 4 — Rosenbaum Michael George | View Filing | |
| edgar index | 4 — Guidewire Software, Inc. | View Filing | |
| edgar index | 144 — Guidewire Software, Inc. | View Filing | |
| form 4 | Form 4 — Rosenbaum Michael George | View Filing | |
| edgar index | 4 — Guidewire Software, Inc. | View Filing | |
| edgar index | 144 — Guidewire Software, Inc. | View Filing | |
| form 4 | Form 4 — Rosenbaum Michael George | View Filing | |
| edgar index | 144 — Guidewire Software, Inc. | View Filing | |
| edgar index | SCHEDULE 13G/A — Guidewire Software, Inc. | View Filing | |
| edgar index | 4 — Guidewire Software, Inc. | View Filing | |
| edgar index | 144 — Guidewire Software, Inc. | View Filing | |
| form 4 | Form 4 — Rosenbaum Michael George | View Filing | |
| edgar index | 4 — Guidewire Software, Inc. | View Filing | |
| edgar index | 4 — Guidewire Software, Inc. | View Filing | |
| edgar index | 4 — Guidewire Software, Inc. | View Filing | |
| edgar index | 4 — Guidewire Software, Inc. | View Filing | |
| edgar index | 4 — Guidewire Software, Inc. | View Filing | |
| edgar index | 144 — Guidewire Software, Inc. | View Filing | |
| edgar index | 144 — Guidewire Software, Inc. | View Filing | |
| edgar index | 4 — Guidewire Software, Inc. | View Filing | |
| edgar index | 144 — Guidewire Software, Inc. | View Filing | |
| edgar index | 144 — Guidewire Software, Inc. | View Filing | |
| edgar index | 144 — Guidewire Software, Inc. | View Filing | |
| form 4 | Form 4 — Peterson David Franklin | View Filing | |
| form 4 | Form 4 — King James Winston | View Filing | |
| form 4 | Form 4 — Rosenbaum Michael George | View Filing | |
| form 4 | Form 4 — Cooper Jeffrey Elliott | View Filing | |
| form 4 | Form 4 — Mullen John P | View Filing | |
| edgar index | 144 — Guidewire Software, Inc. | View Filing | |
| form 4 | Form 4 — Rosenbaum Michael George | View Filing | |
| edgar index | 4 — Guidewire Software, Inc. | View Filing | |
| edgar index | 144 — Guidewire Software, Inc. | View Filing | |
| form 4 | Form 4 — Cooper Jeffrey Elliott | View Filing | |
| edgar index | 4 — Guidewire Software, Inc. | View Filing | |
| edgar index | 144 — Guidewire Software, Inc. | View Filing | |
| form 4 | Form 4 — Rosenbaum Michael George | View Filing | |
| edgar index | 10-Q — Guidewire Software, Inc. | View Filing | |
| edgar index | 8-K — Guidewire Software, Inc. | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| edgar index | 4 — Guidewire Software, Inc. | View Filing | |
| edgar index | 144 — Guidewire Software, Inc. | View Filing | |
| form 4 | Form 4 — Rosenbaum Michael George | View Filing | |
| edgar index | 4 — Guidewire Software, Inc. | View Filing | |
| edgar index | 144 — Guidewire Software, Inc. | View Filing | |
| form 4 | Form 4 — Rosenbaum Michael George | View Filing | |
| edgar index | SCHEDULE 13G/A — Guidewire Software, Inc. | View Filing | |
| edgar index | 4 — Guidewire Software, Inc. | View Filing | |
| edgar index | 144 — Guidewire Software, Inc. | View Filing | |
| edgar index | SCHEDULE 13G/A — Guidewire Software, Inc. | View Filing | |
| form 4 | Form 4 — Rosenbaum Michael George | View Filing |