Guidewire Software, Inc. provides software products for property and casualty insurers worldwide.
Reasonable growth potential with adequate balance sheet.
Share Price & News
How has Guidewire Software's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: GWRE has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: GWRE underperformed the US Software industry which returned 27.3% over the past year.
Return vs Market: GWRE exceeded the US Market which returned 10.2% over the past year.
Price Volatility Vs. Market
How volatile is Guidewire Software's share price compared to the market and industry in the last 5 years?
Simply Wall St News
2 weeks ago | Simply Wall StIs Guidewire Software (NYSE:GWRE) Weighed On By Its Debt Load?
1 month ago | Simply Wall StShould You Think About Buying Guidewire Software, Inc. (NYSE:GWRE) Now?
2 months ago | Simply Wall StThis Insider Has Just Sold Shares In Guidewire Software, Inc. (NYSE:GWRE)
Is Guidewire Software undervalued compared to its fair value and its price relative to the market?
Price to Book (PB) ratio
Share Price vs. Fair Value
Below Fair Value: GWRE ($111.33) is trading above our estimate of fair value ($27.01)
Significantly Below Fair Value: GWRE is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: GWRE is unprofitable, so we can't compare its PE Ratio to the Software industry average.
PE vs Market: GWRE is unprofitable, so we can't compare its PE Ratio to the US market.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate GWRE's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: GWRE is overvalued based on its PB Ratio (5.8x) compared to the US Software industry average (5.5x).
How is Guidewire Software forecast to perform in the next 1 to 3 years based on estimates from 12 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: GWRE is forecast to become profitable over the next 3 years, which is considered faster growth than the savings rate (1.7%).
Earnings vs Market: GWRE is forecast to become profitable over the next 3 years, which is considered above average market growth.
High Growth Earnings: GWRE's is expected to become profitable in the next 3 years.
Revenue vs Market: GWRE's revenue (14.8% per year) is forecast to grow faster than the US market (7.6% per year).
High Growth Revenue: GWRE's revenue (14.8% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: GWRE's Return on Equity is forecast to be low in 3 years time (8.2%).
How has Guidewire Software performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: GWRE is currently unprofitable.
Growing Profit Margin: GWRE is currently unprofitable.
Past Earnings Growth Analysis
Earnings Trend: GWRE is unprofitable, and losses have increased over the past 5 years at a rate of -10.2% per year.
Accelerating Growth: Unable to compare GWRE's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: GWRE is unprofitable, making it difficult to compare its past year earnings growth to the Software industry (19%).
Return on Equity
High ROE: GWRE has a negative Return on Equity (-0.035%), as it is currently unprofitable.
Return on Assets
Return on Capital Employed
How is Guidewire Software's financial position?
Financial Position Analysis
Short Term Liabilities: GWRE's short term assets ($1.2B) exceed its short term liabilities ($164.7M).
Long Term Liabilities: GWRE's short term assets ($1.2B) exceed its long term liabilities ($448.8M).
Debt to Equity History and Analysis
Debt Level: GWRE's debt to equity ratio (20.2%) is considered satisfactory.
Reducing Debt: Insufficient data to determine if GWRE's debt to equity ratio has reduced over the past 5 years.
Inventory Level: GWRE has a low level of unsold assets or inventory.
Debt Coverage by Assets: GWRE's debt is covered by short term assets (assets are 3.7x debt).
Cash Runway Analysis
For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.
Stable Cash Runway: GWRE has been profitable on average in the past, therefore cash runway is not a concern.
Forecast Cash Runway: GWRE has been profitable on average in the past, therefore cash runway is not a concern.
What is Guidewire Software's current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Current dividend yield vs market & industry
Notable Dividend: Unable to evaluate GWRE's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.
High Dividend: Unable to evaluate GWRE's dividend yield against the top 25% of dividend payers, as the company has not reported any payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if GWRE's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if GWRE's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of GWRE's dividend in 3 years as they are not forecast to pay a notable one for the US market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Mike Rosenbaum (48yo)
Mr. Michael George Rosenbaum, also known as Mike, has been the Chief Executive Officer and Director of Guidewire Software, Inc. since August 3, 2019. He served as the Executive Vice President of leading th ...
|Co-Founder & Chairman||0.5yrs||US$4.56m||0.0027% $245.5k|
|Chief Financial Officer||1.9yrs||US$2.43m||0.0054% $500.1k|
|Chief Operating Officer||2.8yrs||US$3.43m||0.0061% $562.6k|
|Chief Administrative Officer||1.7yrs||US$2.34m||0.0052% $479.0k|
|Chief Sales Officer||2.3yrs||US$4.05m||no data|
|CEO & Director||0.5yrs||no data||no data|
|Investor Relations||0yrs||no data||no data|
|Director of Communications||6.2yrs||no data||no data|
|Chief Marketing Officer||4.4yrs||no data||no data|
|Chief Cloud & Customer Officer||1.8yrs||US$992.28k||no data|
Experienced Management: GWRE's management team is considered experienced (2.3 years average tenure).
|Co-Founder & Chairman||0.5yrs||US$4.56m||0.0027% $245.5k|
|CEO & Director||0.5yrs||no data||no data|
|Independent Director||0.4yrs||no data||0.0030% $277.6k|
|Independent Director||0.4yrs||no data||0.0011% $99.3k|
|Lead Independent Director||0.5yrs||US$254.73k||0.0089% $819.1k|
|Independent Director||6.2yrs||US$258.23k||0.0038% $349.4k|
|Independent Director||0.4yrs||no data||no data|
Experienced Board: GWRE's board of directors are not considered experienced ( 0.5 years average tenure), which suggests a new board.
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: GWRE insiders have only sold shares in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 3.4%.
Guidewire Software, Inc.'s company bio, employee growth, exchange listings and data sources
- Name: Guidewire Software, Inc.
- Ticker: GWRE
- Exchange: NYSE
- Founded: 2001
- Industry: Application Software
- Sector: Software
- Market Cap: US$9.194b
- Shares outstanding: 82.58m
- Website: https://www.guidewire.com
Number of Employees
- Guidewire Software, Inc.
- 2850 South Delaware Street
- Suite 400
- San Mateo
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|GWRE||NYSE (New York Stock Exchange)||Yes||Common Stock||US||USD||Jan 2012|
|0GS||DB (Deutsche Boerse AG)||Yes||Common Stock||DE||EUR||Jan 2012|
|0J1G||LSE (London Stock Exchange)||Yes||Common Stock||GB||USD||Jan 2012|
Guidewire Software, Inc. provides software products for property and casualty insurers worldwide. The company offers Guidewire InsuranceSuite comprising Guidewire PolicyCenter, BillingCenter, and ClaimCenter applications. It also provides Guidewire InsuranceNow, a cloud-based platform, which offers policy, billing, and claims management functionality to insurers that prefer to subscribe to a cloud-based solution. In addition, the company offers Guidewire Underwriting Management, a cloud-based integrated business application; 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; and Guidewire Client Data Management to enable customer information management. Further, it provides Guidewire Product Content Management that offers software tools and standards-based line-of-business templates to introduce and modify products; Guidewire AppReader, a submission intake management solution; and Guidewire London Market Messaging that provides a message-processing and action framework. Additionally, the company offers data management and analytics products, such as Guidewire DataHub, an operational data store; Guidewire InfoCenter, a business intelligence warehouse; Guidewire Live Analytics, a cloud analytics platform; Guidewire Predictive Analytics, a cloud-based tool; and Guidewire Cyence Risk Analytics, a cloud-native economic cyber risk modeling solution, as well as Digital Engagement Applications, which enable insurers to provide digital experiences to customers, agents, vendors, and field personnel through their device of choice. It also provides implementation and integration, maintenance support, and professional services, as well as Guidewire Production Services. The company was founded in 2001 and is headquartered in San Mateo, California.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/02/27 02:37|
|End of Day Share Price||2020/02/26 00:00|
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 here.