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Guidewire Software, Inc.

NYSE:GWRE Stock Report

Market Cap: US$18.6b

Guidewire Software (GWRE) Stock Overview

Provides a platform for property and casualty (P&C) insurers worldwide. More details

GWRE fundamental analysis
Snowflake Score
Valuation0/6
Future Growth4/6
Past Performance2/6
Financial Health5/6
Dividends0/6

Rewards

Earnings are forecast to grow 41.69% per year

Became profitable this year

Risk Analysis

Significant insider selling over the past 3 months

Large one-off items impacting financial results


GWRE Community Fair Values

Create Narrative

See what 9 others think this stock is worth. Follow their fair value or set your own to get alerts.

GWRE logo
Guidewire Software
AN
AnalystHighTarget
AnalystHighTarget
Consensus Narrative from 15 Analysts

Cloud Migration And AI Integration Will Reshape Global Insurtech Markets

Key Takeaways Sustained cloud migration, global expansion, and advanced analytics offerings could drive accelerated, enduring growth and transform Guidewire's revenue mix toward premium, recurring streams. Margin scalability from cloud leverage, automation, and a deep partner ecosystem is likely to elevate margins and earnings above current industry expectations over the long term.
View narrative
US$290.00
FV
24.1% undervalued intrinsic discount
17.19%
Revenue growth p.a.
0users have liked this narrative
0users have commented on this narrative
1users have followed this narrative
5 days ago author updated this narrative
GWRE logo
Guidewire Software
AN
AnalystConsensusTarget
AnalystConsensusTarget
Consensus Narrative from 15 Analysts

Accelerating Cloud Adoption And AI Will Transform Future Of Insurance Industry

Key Takeaways The industry's shift to cloud-based systems supports future revenue growth, benefiting from increased migration to Guidewire's platform and global market expansion. Strategic moves into analytics and AI, along with improved margins and operating efficiency, forecast long-term earnings enhancement.
View narrative
US$218.55
FV
0.7% overvalued intrinsic discount
15.26%
Revenue growth p.a.
0users have liked this narrative
0users have commented on this narrative
6users have followed this narrative
about 12 hours ago author updated this narrative
GWRE logo
Guidewire Software
AN
AnalystLowTarget
AnalystLowTarget
Consensus Narrative from 15 Analysts

Rising Cyber And GDPR Pressures Will Squeeze Margins

Key Takeaways Rising security, compliance, and regulatory costs threaten Guidewire's margins and may offset gains from cloud adoption and subscription growth. Market commoditization, customer concentration, and industry consolidation increase revenue volatility and reduce pricing power, complicating margin expansion and long-term growth.
View narrative
US$155.00
FV
42.0% overvalued intrinsic discount
14.02%
Revenue growth p.a.
0users have liked this narrative
0users have commented on this narrative
0users have followed this narrative
about 12 hours ago author updated this narrative
View Guidewire Software Community

Guidewire Software, Inc. Competitors

Price History & Performance

Summary of share price highs, lows and changes for Guidewire Software
Historical stock prices
Current Share PriceUS$220.11
52 Week HighUS$263.20
52 Week LowUS$132.01
Beta1.17
1 Month Change-13.21%
3 Month Change15.04%
1 Year Change56.36%
3 Year Change191.04%
5 Year Change80.66%
Change since IPO1,185.69%

Recent News & Updates

Guidewire Software, Inc.'s (NYSE:GWRE) Share Price Could Signal Some Risk

Jul 02
Guidewire Software, Inc.'s (NYSE:GWRE) Share Price Could Signal Some Risk

We Think Guidewire Software's (NYSE:GWRE) Profit Is Only A Baseline For What They Can Achieve

Jun 16
We Think Guidewire Software's (NYSE:GWRE) Profit Is Only A Baseline For What They Can Achieve

Recent updates

Guidewire Software, Inc.'s (NYSE:GWRE) Share Price Could Signal Some Risk

Jul 02
Guidewire Software, Inc.'s (NYSE:GWRE) Share Price Could Signal Some Risk

We Think Guidewire Software's (NYSE:GWRE) Profit Is Only A Baseline For What They Can Achieve

Jun 16
We Think Guidewire Software's (NYSE:GWRE) Profit Is Only A Baseline For What They Can Achieve

Guidewire Software Is Soaring, But I'm Not Biting

Jun 04

Health Check: How Prudently Does Guidewire Software (NYSE:GWRE) Use Debt?

May 04
Health Check: How Prudently Does Guidewire Software (NYSE:GWRE) Use Debt?

Guidewire: Can Outperform In A Bear Market

Apr 27

Is Now An Opportune Moment To Examine Guidewire Software, Inc. (NYSE:GWRE)?

Apr 08
Is Now An Opportune Moment To Examine Guidewire Software, Inc. (NYSE:GWRE)?

Guidewire: The Shift To Profitability

Mar 17

Is Guidewire Software, Inc. (NYSE:GWRE) Worth US$218 Based On Its Intrinsic Value?

Feb 07
Is Guidewire Software, Inc. (NYSE:GWRE) Worth US$218 Based On Its Intrinsic Value?
author-image

Demand From Tier 1 Insurers And Generative AI Will Elevate Future Market Position

Strong cloud platform demand and AI integration are driving significant revenue growth and enhancing competitive positioning in the insurance sector.

Guidewire Software Low Valuation And Resilient Growth

Jan 14

Guidewire Software, Inc.'s (NYSE:GWRE) Business Is Trailing The Industry But Its Shares Aren't

Jan 09
Guidewire Software, Inc.'s (NYSE:GWRE) Business Is Trailing The Industry But Its Shares Aren't

Guidewire Software's (NYSE:GWRE) Earnings May Just Be The Starting Point

Dec 14
Guidewire Software's (NYSE:GWRE) Earnings May Just Be The Starting Point

Guidewire Software: Market Expectations Are Stretched Even After Great Q1

Dec 06

Calculating The Fair Value Of Guidewire Software, Inc. (NYSE:GWRE)

Oct 23
Calculating The Fair Value Of Guidewire Software, Inc. (NYSE:GWRE)

Optimistic Investors Push Guidewire Software, Inc. (NYSE:GWRE) Shares Up 25% But Growth Is Lacking

Oct 05
Optimistic Investors Push Guidewire Software, Inc. (NYSE:GWRE) Shares Up 25% But Growth Is Lacking

Guidewire Software: Solid Demand Momentum For Its Cloud Platform

Sep 19

Guidewire Software: Mr. Market Blinded By Enthusiasm

Sep 03

Is Guidewire Software (NYSE:GWRE) Using Debt Sensibly?

Jul 31
Is Guidewire Software (NYSE:GWRE) Using Debt Sensibly?

Guidewire Software: Operating Results Improve But Stock May Plateau (Downgrade)

Jun 12

Guidewire Participates In Improving Property And Casualty Industry Outlook (Rating Upgrade)

Feb 12

Guidewire Software: Time To Take Some Money Off The Table

Dec 01

Shareholder Returns

GWREUS SoftwareUS Market
7D-4.8%-0.1%-0.09%
1Y56.4%23.1%12.4%

Return vs Industry: GWRE exceeded the US Software industry which returned 20.3% over the past year.

Return vs Market: GWRE exceeded the US Market which returned 10% over the past year.

Price Volatility

Is GWRE's price volatile compared to industry and market?
GWRE volatility
GWRE Average Weekly Movement5.7%
Software Industry Average Movement7.7%
Market Average Movement6.4%
10% most volatile stocks in US Market17.0%
10% least volatile stocks in US Market3.2%

Stable Share Price: GWRE has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: GWRE's weekly volatility (6%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
20013,596Mike Rosenbaumwww.guidewire.com

Guidewire Software, Inc. provides a platform for property and casualty (P&C) insurers worldwide. The company offers Guidewire InsuranceSuite Cloud, such as PolicyCenter Cloud, BillingCenter Cloud, and ClaimCenter Cloud applications. It also provides Guidewire InsuranceNow, a cloud-based application that offers policy, billing, and claims management functionality plus pre-integrated document production, analytics, and other capabilities; and Guidewire InsuranceSuite for Self-Managed.

Guidewire Software, Inc. Fundamentals Summary

How do Guidewire Software's earnings and revenue compare to its market cap?
GWRE fundamental statistics
Market capUS$18.60b
Earnings (TTM)US$34.61m
Revenue (TTM)US$1.14b
535.4x
P/E Ratio
16.3x
P/S Ratio

Is GWRE overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
GWRE income statement (TTM)
RevenueUS$1.14b
Cost of RevenueUS$430.73m
Gross ProfitUS$706.68m
Other ExpensesUS$672.07m
EarningsUS$34.61m

Last Reported Earnings

Apr 30, 2025

Next Earnings Date

n/a

Earnings per share (EPS)0.41
Gross Margin62.13%
Net Profit Margin3.04%
Debt/Equity Ratio49.4%

How did GWRE perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/07/16 05:20
End of Day Share Price 2025/07/16 00:00
Earnings2025/04/30
Annual Earnings2024/07/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Guidewire Software, Inc. is covered by 28 analysts. 17 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Joseph VruwinkBaird
Ishan MajumdarBaptista Research
Michael FunkBofA Global Research