Guidewire Software Balance Sheet Health
Financial Health criteria checks 5/6
Guidewire Software has a total shareholder equity of $1.4B and total debt of $673.7M, which brings its debt-to-equity ratio to 49.4%. Its total assets and total liabilities are $2.5B and $1.1B respectively. Guidewire Software's EBIT is $21.6M making its interest coverage ratio -0.5. It has cash and short-term investments of $920.4M.
Key information
49.44%
Debt to equity ratio
US$673.70m
Debt
| Interest coverage ratio | -0.5x |
| Cash | US$920.44m |
| Equity | US$1.36b |
| Total liabilities | US$1.13b |
| Total assets | US$2.49b |
Recent financial health updates
Health Check: How Prudently Does Guidewire Software (NYSE:GWRE) Use Debt?
May 04
Is Guidewire Software (NYSE:GWRE) Using Debt Sensibly?
Jul 31Recent updates
Does This Valuation Of Guidewire Software, Inc. (NYSE:GWRE) Imply Investors Are Overpaying?
Jul 25Guidewire Software, Inc.'s (NYSE:GWRE) Share Price Could Signal Some Risk
Jul 02We Think Guidewire Software's (NYSE:GWRE) Profit Is Only A Baseline For What They Can Achieve
Jun 16Guidewire Software Is Soaring, But I'm Not Biting
Jun 04Health Check: How Prudently Does Guidewire Software (NYSE:GWRE) Use Debt?
May 04Guidewire: Can Outperform In A Bear Market
Apr 27Is Now An Opportune Moment To Examine Guidewire Software, Inc. (NYSE:GWRE)?
Apr 08Guidewire: The Shift To Profitability
Mar 17Is Guidewire Software, Inc. (NYSE:GWRE) Worth US$218 Based On Its Intrinsic Value?
Feb 07
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 14Guidewire Software, Inc.'s (NYSE:GWRE) Business Is Trailing The Industry But Its Shares Aren't
Jan 09Guidewire Software's (NYSE:GWRE) Earnings May Just Be The Starting Point
Dec 14Guidewire Software: Market Expectations Are Stretched Even After Great Q1
Dec 06Calculating The Fair Value Of Guidewire Software, Inc. (NYSE:GWRE)
Oct 23Optimistic Investors Push Guidewire Software, Inc. (NYSE:GWRE) Shares Up 25% But Growth Is Lacking
Oct 05Guidewire Software: Solid Demand Momentum For Its Cloud Platform
Sep 19Guidewire Software: Mr. Market Blinded By Enthusiasm
Sep 03Is Guidewire Software (NYSE:GWRE) Using Debt Sensibly?
Jul 31Guidewire Software: Operating Results Improve But Stock May Plateau (Downgrade)
Jun 12Guidewire Participates In Improving Property And Casualty Industry Outlook (Rating Upgrade)
Feb 12Guidewire Software: Time To Take Some Money Off The Table
Dec 01Financial Position Analysis
Short Term Liabilities: GWRE's short term assets ($1.3B) exceed its short term liabilities ($405.9M).
Long Term Liabilities: GWRE's short term assets ($1.3B) exceed its long term liabilities ($719.6M).
Debt to Equity History and Analysis
Debt Level: GWRE has more cash than its total debt.
Reducing Debt: GWRE's debt to equity ratio has increased from 20.6% to 49.4% over the past 5 years.
Debt Coverage: GWRE's debt is well covered by operating cash flow (37.1%).
Interest Coverage: GWRE earns more interest than it pays, so coverage of interest payments is not a concern.
Balance Sheet
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/07/27 15:19 |
| End of Day Share Price | 2025/07/25 00:00 |
| Earnings | 2025/04/30 |
| Annual Earnings | 2024/07/31 |
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.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* 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.
| Analyst | Institution |
|---|---|
| Joseph Vruwink | Baird |
| Ishan Majumdar | Baptista Research |
| Michael Funk | BofA Global Research |