Symbols / GWRE Stock $128.15 -10.38% Guidewire Software, Inc.

Technology • Software - Application • United States • NYQ
GWRE (Stock) Chart
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About

Guidewire Software, Inc. provides a platform for property and casualty (P&C) insurers worldwide. It offers Guidewire InsuranceSuite, such as PolicyCenter, ClaimCenter, and BillingCenter applications. The company also provides Guidewire InsuranceNow, a cloud-based application that offers policy administration, claims management, and billing functionality, plus pre-integrated document production, analytics, and other capabilities. In addition, it offers 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; Guidewire Client Data Management that helps P&C insurers to capitalize on customer information; Guidewire Advanced Product Designer, a cloud-native application for insurance product design and management; Guidewire Product Content Management provides software tools and standards-based, line-of-business templates. Further, the company provides Guidewire Digital Engagement Applications, which enable insurers to provide digital experiences; Guidewire Predict, a P&C-specific machine-learning platform; Guidewire HazardHub that allows insurers to understand, assess, price, and manage property risk; Guidewire Canvas, Guidewire Compare, Guidewire industry Intel, Guidewire Data Studio, and Guidewire Explore, an cloud-native applications; Guidewire Cyence, a cyber-risk economic modeling product; Guidewire DataHub, an operational data store; and Guidewire InfoCenter, a business intelligence warehouse for P&C insurers . The company was incorporated in 2001 and is headquartered in San Mateo, California.

Stock Fundamentals
Scroll to Statements
Market Cap 10.90B Enterprise Value 11.89B Income 189.36M Sales 1.34B Book/sh 17.84 Cash/sh 10.86
Dividend Yield — Payout 0.00% Employees 3961 IPO — P/E 57.73 Forward P/E 30.26
PEG 0.88 P/S 8.12 P/B 7.18 P/C — EV/EBITDA 114.81 EV/Sales 8.86
Quick Ratio 2.74 Current Ratio 2.93 Debt/Eq 46.67 LT Debt/Eq — EPS (ttm) 2.22 EPS next Y 4.23
EPS Growth — Revenue Growth 24.00% Earnings 2026-06-02 ROA 2.17% ROE 13.63% ROIC —
Gross Margin 63.76% Oper. Margin 10.71% Profit Margin 14.11% Shs Outstand 84.66M Shs Float 78.71M Short Float 5.59%
Short Ratio 2.64 Short Interest — 52W High 272.60 52W Low 115.57 Beta 1.05 Avg Volume 1.68M
Volume 724.12K Target Price $227.86 Recom Buy Prev Close $142.99 Price $128.15 Change -10.38%
Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$227.86
Mean price target
2. Current target
$128.15
Latest analyst target
3. DCF / Fair value
$43.82
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$128.15
Low
$137.00
High
$300.00
Mean
$227.86

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-03-10 main DA Davidson Buy → Buy $246
2026-03-06 main RBC Capital Outperform → Outperform $250
2026-03-06 main Stifel Buy → Buy $250
2026-03-06 main BTIG Buy → Buy $200
2026-02-24 main Oppenheimer Outperform → Outperform $250
2026-02-18 main BTIG Buy → Buy $175
2026-02-04 main Wells Fargo Overweight → Overweight $210
2026-01-08 main Wells Fargo Overweight → Overweight $250
2025-12-17 up DA Davidson Neutral → Buy $246
2025-12-12 main Citizens Market Outperform → Market Outperform $300
2025-12-10 reit Citizens Market Outperform → Market Outperform $281
2025-12-05 main Citigroup Neutral → Neutral $245
2025-12-04 main DA Davidson Neutral → Neutral $250
2025-12-01 main DA Davidson Neutral → Neutral $250
2025-11-26 main Citigroup Neutral → Neutral $242
2025-09-09 main Citigroup Neutral → Neutral $267
2025-09-08 main DA Davidson Neutral → Neutral $250
2025-09-05 reit Raymond James Outperform → Outperform $275
2025-09-05 main Goldman Sachs Buy → Buy $305
2025-09-05 main Wells Fargo Overweight → Overweight $275
News
RSS: Latest GWRE news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-04-20 ROSENBAUM MICHAEL GEORGE Chief Executive Officer — 1,200 $139.75 $167,700
2026-04-13 ROSENBAUM MICHAEL GEORGE Chief Executive Officer — 1,200 $118.77 $142,524
2026-04-06 ROSENBAUM MICHAEL GEORGE Chief Executive Officer — 1,200 $151.14 $181,368
2026-03-30 ROSENBAUM MICHAEL GEORGE Chief Executive Officer — 1,200 $145.74 $174,888
2026-03-23 ROSENBAUM MICHAEL GEORGE Chief Executive Officer — 1,200 $155.56 $186,672
2026-03-17 COOPER JEFFREY ELLIOTT Chief Financial Officer — 1,935 $163.86 $317,065
2026-03-17 MULLEN JOHN P President — 6,576 $163.86 $1,077,530
2026-03-17 ROSENBAUM MICHAEL GEORGE Chief Executive Officer — 4,737 $163.86 $776,195
2026-03-17 KING JAMES WINSTON General Counsel — 1,001 $163.86 $164,022
2026-03-17 PETERSON DAVID FRANKLIN Officer — 273 $163.86 $44,733
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-07-31 2024-07-31 2023-07-31 2022-07-31
Total Revenue
1,202.46
+22.64%
980.50
+8.30%
905.34
+11.41%
812.61
Operating Revenue
1,202.46
+22.64%
980.50
+8.30%
905.34
+11.41%
812.61
Cost Of Revenue
450.41
+13.41%
397.14
-11.18%
447.13
+2.69%
435.44
Reconciled Cost Of Revenue
450.41
+13.41%
397.14
-11.18%
447.13
+2.69%
435.44
Gross Profit
752.05
+28.92%
583.36
+27.31%
458.21
+21.48%
377.18
Operating Expense
710.99
+11.80%
635.93
+4.65%
607.70
+5.39%
576.62
Research And Development
296.16
+9.94%
269.38
+7.86%
249.75
+8.95%
229.23
Selling General And Administration
414.82
+13.17%
366.55
+2.40%
357.95
+3.04%
347.39
Selling And Marketing Expense
230.35
+15.73%
199.03
+5.74%
188.22
+3.07%
182.62
General And Administrative Expense
184.48
+10.12%
167.52
-1.30%
169.73
+3.01%
164.77
Other Gand A
184.48
+10.12%
167.52
-1.30%
169.73
+3.01%
164.77
Total Expenses
1,161.39
+12.42%
1,033.07
-2.06%
1,054.83
+4.23%
1,012.06
Operating Income
41.07
+178.12%
-52.57
+64.83%
-149.49
+25.05%
-199.45
Total Operating Income As Reported
41.07
+178.12%
-52.57
+64.83%
-149.49
+25.05%
-199.45
EBITDA
86.36
+3809.64%
2.21
+102.15%
-102.54
+41.98%
-176.73
Normalized EBITDA
86.36
+3809.64%
2.21
+102.15%
-102.54
+41.98%
-176.73
Reconciled Depreciation
23.76
+6.50%
22.31
-10.18%
24.84
-25.95%
33.54
EBIT
62.61
+411.47%
-20.10
+84.22%
-127.38
+39.42%
-210.27
Net Income
69.80
+1243.77%
-6.10
+94.54%
-111.86
+38.01%
-180.43
Pretax Income
49.40
+284.05%
-26.84
+79.99%
-134.09
+41.63%
-229.72
Net Non Operating Interest Income Expense
43.41
+18.17%
36.74
+107.89%
17.67
+234.20%
-13.17
Interest Expense Non Operating
13.21
+96.07%
6.74
+0.33%
6.72
-65.46%
19.45
Net Interest Income
43.41
+18.17%
36.74
+107.89%
17.67
+234.20%
-13.17
Interest Expense
13.21
+96.07%
6.74
+0.33%
6.72
-65.46%
19.45
Interest Income Non Operating
56.62
+30.24%
43.48
+78.27%
24.39
+288.55%
6.28
Interest Income
56.62
+30.24%
43.48
+78.27%
24.39
+288.55%
6.28
Other Income Expense
-35.09
-218.83%
-11.01
-383.31%
-2.28
+86.68%
-17.10
Other Non Operating Income Expenses
-35.09
-218.83%
-11.01
-383.31%
-2.28
+86.68%
-17.10
Tax Provision
-20.41
+1.57%
-20.73
+6.76%
-22.24
+54.88%
-49.28
Tax Rate For Calcs
0.00
+0.00%
0.00
+26.62%
0.00
-22.70%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
69.80
+1243.77%
-6.10
+94.54%
-111.86
+38.01%
-180.43
Net Income From Continuing Operation Net Minority Interest
69.80
+1243.77%
-6.10
+94.54%
-111.86
+38.01%
-180.43
Net Income From Continuing And Discontinued Operation
69.80
+1243.77%
-6.10
+94.54%
-111.86
+38.01%
-180.43
Net Income Continuous Operations
69.80
+1243.77%
-6.10
+94.54%
-111.86
+38.01%
-180.43
Normalized Income
69.80
+1243.77%
-6.10
+94.54%
-111.86
+38.01%
-180.43
Net Income Common Stockholders
69.80
+1243.77%
-6.10
+94.54%
-111.86
+38.01%
-180.43
Diluted EPS
0.81
+1257.14%
-0.07
+94.85%
-1.36
+37.04%
-2.16
Basic EPS
0.83
+1285.71%
-0.07
+94.85%
-1.36
+37.04%
-2.16
Basic Average Shares
83.85
+1.89%
82.29
+0.14%
82.18
-1.67%
83.57
Diluted Average Shares
85.91
+4.40%
82.29
+0.14%
82.18
-1.67%
83.57
Diluted NI Availto Com Stockholders
69.80
+1243.77%
-6.10
+94.54%
-111.86
+38.01%
-180.43
Line Item Trend 2025-07-31 2024-07-31 2023-07-31 2022-07-31
Total Assets
2,721.10
+22.23%
2,226.29
+9.78%
2,027.89
-10.54%
2,266.90
Current Assets
1,507.41
+16.35%
1,295.53
+17.82%
1,099.60
-12.22%
1,252.70
Cash Cash Equivalents And Short Term Investments
1,149.44
+14.54%
1,003.57
+25.65%
798.68
-18.18%
976.17
Cash And Cash Equivalents
697.90
+27.36%
547.99
+36.38%
401.81
-33.73%
606.30
Other Short Term Investments
451.54
-0.89%
455.58
+14.79%
396.87
+7.30%
369.87
Receivables
298.15
+23.11%
242.18
-5.58%
256.49
+12.77%
227.45
Accounts Receivable
140.64
+2.40%
137.34
-9.07%
151.03
+5.03%
143.80
Gross Accounts Receivable
141.81
+2.77%
137.99
-8.77%
151.25
+4.92%
144.16
Allowance For Doubtful Accounts Receivable
-1.17
-80.50%
-0.65
-196.33%
-0.22
+39.28%
-0.36
Other Receivables
157.51
+50.25%
104.84
-0.58%
105.45
+26.06%
83.65
Prepaid Assets
32.76
+27.02%
25.79
+18.52%
21.76
-10.35%
24.27
Current Deferred Assets
27.06
+12.75%
24.00
+5.85%
22.67
-8.63%
24.81
Total Non Current Assets
1,213.68
+30.40%
930.76
+0.27%
928.28
-8.47%
1,014.19
Net PPE
99.75
+0.59%
99.16
-7.22%
106.87
-37.51%
171.03
Gross PPE
184.88
+12.12%
164.89
+5.75%
155.93
-31.42%
227.38
Accumulated Depreciation
-85.13
-29.51%
-65.73
-33.99%
-49.06
+12.94%
-56.35
Properties
0.00
0.00
0.00
0.00
Machinery Furniture Equipment
118.40
+22.64%
96.55
+20.01%
80.45
+3.09%
78.03
Other Properties
39.31
-10.15%
43.75
-16.46%
52.37
-41.99%
90.29
Leases
27.16
+10.44%
24.60
+6.43%
23.11
-60.87%
59.06
Goodwill And Other Intangible Assets
406.02
+6.51%
381.22
-1.41%
386.69
-1.74%
393.55
Goodwill
393.98
+5.85%
372.21
+0.00%
372.21
+0.01%
372.19
Other Intangible Assets
12.04
+33.73%
9.01
-37.78%
14.47
-32.25%
21.36
Investments And Advances
353.80
+138.59%
148.29
-5.28%
156.55
-23.83%
205.53
Other Investments
20.04
-10.52%
22.40
-19.34%
27.77
+54.09%
18.02
Non Current Accounts Receivable
0.67
-83.88%
4.16
-62.59%
11.11
-20.14%
13.91
Non Current Deferred Assets
347.54
+17.92%
294.73
+12.54%
261.88
+17.90%
222.11
Non Current Deferred Taxes Assets
297.23
+17.44%
253.09
+11.55%
226.88
+18.50%
191.46
Non Current Prepaid Assets
5.91
+83.85%
3.21
+3.28%
3.11
+0.84%
3.08
Other Non Current Assets
—
—
2.07
-58.34%
4.98
Total Liabilities Net Minority Interest
1,263.87
+43.04%
883.56
+6.66%
828.42
+1.62%
815.24
Current Liabilities
544.80
-34.96%
837.63
+124.41%
373.26
+10.59%
337.52
Payables And Accrued Expenses
45.49
+53.84%
29.57
-34.41%
45.09
-21.70%
57.58
Payables
36.83
+69.71%
21.70
-44.05%
38.78
-17.49%
47.01
Accounts Payable
28.80
+89.34%
15.21
-56.08%
34.63
-14.37%
40.44
Current Accrued Expenses
8.66
+10.07%
7.87
+24.93%
6.30
-40.42%
10.57
Pensionand Other Post Retirement Benefit Plans Current
140.61
+28.90%
109.08
+4.91%
103.98
+14.31%
90.96
Total Tax Payable
8.03
+23.72%
6.49
+56.13%
4.16
-36.67%
6.57
Current Debt And Capital Lease Obligation
10.44
-97.44%
408.20
+4740.48%
8.43
-31.09%
12.24
Current Debt
—
398.90
—
—
Other Current Borrowings
—
398.90
—
—
Current Capital Lease Obligation
10.44
+12.30%
9.29
+10.22%
8.43
-31.09%
12.24
Current Deferred Liabilities
340.25
+20.72%
281.86
+36.21%
206.92
+21.17%
170.78
Current Deferred Revenue
340.25
+20.72%
281.86
+36.21%
206.92
+21.17%
170.78
Other Current Liabilities
8.00
-10.32%
8.93
+0.97%
8.84
+48.28%
5.96
Total Non Current Liabilities Net Minority Interest
719.07
+1465.67%
45.93
-89.91%
455.16
-4.72%
477.72
Long Term Debt And Capital Lease Obligation
705.25
+1931.21%
34.72
-92.11%
440.14
-5.01%
463.34
Long Term Debt
674.57
—
397.17
+10.87%
358.22
Long Term Capital Lease Obligation
30.69
-11.62%
34.72
-19.20%
42.97
-59.12%
105.12
Non Current Deferred Liabilities
4.53
+24.94%
3.63
-39.41%
5.99
-20.16%
7.50
Non Current Deferred Revenue
4.53
+24.94%
3.63
-39.41%
5.99
-20.16%
7.50
Other Non Current Liabilities
9.28
+22.45%
7.58
-16.08%
9.03
+31.19%
6.88
Stockholders Equity
1,457.23
+8.53%
1,342.73
+11.94%
1,199.47
-17.37%
1,451.66
Common Stock Equity
1,457.23
+8.53%
1,342.73
+11.94%
1,199.47
-17.37%
1,451.66
Capital Stock
0.01
+0.00%
0.01
+0.00%
0.01
+0.00%
0.01
Common Stock
0.01
+0.00%
0.01
+0.00%
0.01
+0.00%
0.01
Share Issued
84.53
+1.81%
83.03
+1.95%
81.44
-3.14%
84.08
Ordinary Shares Number
84.53
+1.81%
83.03
+1.95%
81.44
-3.14%
84.08
Additional Paid In Capital
2,020.39
+2.09%
1,979.02
+8.07%
1,831.27
+4.32%
1,755.48
Retained Earnings
-554.25
+11.19%
-624.05
-0.99%
-617.95
-117.60%
-283.98
Gains Losses Not Affecting Retained Earnings
-8.92
+27.13%
-12.24
+11.65%
-13.86
+30.16%
-19.84
Other Equity Adjustments
-8.92
+27.13%
-12.24
+11.65%
-13.86
+30.16%
-19.84
Total Equity Gross Minority Interest
1,457.23
+8.53%
1,342.73
+11.94%
1,199.47
-17.37%
1,451.66
Total Capitalization
2,131.80
+58.77%
1,342.73
-15.90%
1,596.64
-11.78%
1,809.87
Working Capital
962.61
+110.22%
457.90
-36.96%
726.34
-20.63%
915.18
Invested Capital
2,131.80
+22.40%
1,741.63
+9.08%
1,596.64
-11.78%
1,809.87
Total Debt
715.69
+61.59%
442.92
-1.26%
448.58
-5.68%
475.58
Capital Lease Obligations
41.12
-6.57%
44.02
-14.37%
51.41
-56.20%
117.36
Net Tangible Assets
1,051.21
+9.33%
961.51
+18.30%
812.78
-23.19%
1,058.10
Tangible Book Value
1,051.21
+9.33%
961.51
+18.30%
812.78
-23.19%
1,058.10
Available For Sale Securities
333.75
+165.13%
125.89
-2.25%
128.78
-31.32%
187.51
Investmentin Financial Assets
333.75
+165.13%
125.89
-2.25%
128.78
-31.32%
187.51
Line Item Trend 2025-07-31 2024-07-31 2023-07-31 2022-07-31
Operating Cash Flow
300.87
+53.70%
195.75
+409.83%
38.40
+201.20%
-37.94
Cash Flow From Continuing Operating Activities
300.87
+53.70%
195.75
+409.83%
38.40
+201.20%
-37.94
Net Income From Continuing Operations
69.80
+1243.77%
-6.10
+94.54%
-111.86
+38.01%
-180.43
Depreciation Amortization Depletion
23.76
+6.50%
22.31
-10.18%
24.84
-25.95%
33.54
Depreciation And Amortization
23.76
+6.50%
22.31
-10.18%
24.84
-25.95%
33.54
Other Non Cash Items
23.99
+23.21%
19.47
-31.27%
28.34
-1.99%
28.91
Stock Based Compensation
161.56
+10.31%
146.46
+2.53%
142.84
+4.26%
137.01
Provisionand Write Offof Assets
0.53
+0.00%
0.53
+501.53%
-0.13
-105.04%
2.60
Deferred Tax
-31.78
-18.37%
-26.85
+2.43%
-27.52
+49.15%
-54.12
Deferred Income Tax
-31.78
-18.37%
-26.85
+2.43%
-27.52
+49.15%
-54.12
Operating Gains Losses
49.89
+2867.28%
-1.80
—
—
Gain Loss On Investment Securities
-3.67
-103.61%
-1.80
—
—
Unrealized Gain Loss On Investment Securities
2.13
+8.84%
1.96
+144.01%
0.80
+151.91%
-1.54
Change In Working Capital
11.31
-78.52%
52.67
+474.55%
-14.06
-49.52%
-9.40
Change In Receivables
-42.28
-308.19%
20.31
+197.93%
-20.74
+15.15%
-24.44
Changes In Account Receivables
-3.35
-126.51%
12.63
+273.00%
-7.30
+82.84%
-42.55
Change In Prepaid Assets
-47.21
-40.79%
-33.53
-48.30%
-22.61
+3.32%
-23.39
Change In Payables And Accrued Expense
41.49
+432.44%
-12.48
-296.23%
6.36
+37.13%
4.64
Change In Accrued Expense
30.09
+366.29%
6.45
-48.13%
12.44
+239.12%
-8.94
Change In Payable
11.40
+160.21%
-18.93
-211.40%
-6.08
-144.77%
13.58
Change In Account Payable
11.40
+160.21%
-18.93
-211.40%
-6.08
-144.77%
13.58
Change In Other Working Capital
56.62
-21.99%
72.57
+109.53%
34.63
+9.73%
31.56
Change In Other Current Assets
4.44
-48.50%
8.62
+145.38%
-19.00
-365.36%
7.16
Change In Other Current Liabilities
-1.75
+38.03%
-2.82
-138.66%
7.29
+247.67%
-4.94
Investing Cash Flow
-236.97
-352.58%
-52.36
-511.89%
12.71
-95.93%
312.21
Cash Flow From Continuing Investing Activities
-236.97
-352.58%
-52.36
-511.89%
12.71
-95.93%
312.21
Net PPE Purchase And Sale
-5.74
+9.76%
-6.36
-9.29%
-5.82
+38.79%
-9.51
Purchase Of PPE
-5.74
+9.76%
-6.36
-9.29%
-5.82
+38.79%
-9.51
Capital Expenditure
-20.45
-10.41%
-18.53
-6.31%
-17.43
+19.97%
-21.78
Capital Expenditure Reported
-14.71
-20.95%
-12.16
-4.82%
-11.61
+5.38%
-12.27
Net Investment Purchase And Sale
-189.66
-460.59%
-33.83
-212.25%
30.14
-92.02%
377.82
Purchase Of Investment
-860.34
-39.38%
-617.27
-19.41%
-516.96
+2.66%
-531.10
Sale Of Investment
670.68
+14.95%
583.44
+6.64%
547.09
-39.81%
908.91
Net Business Purchase And Sale
-26.85
0.00
0.00
+100.00%
-43.83
Purchase Of Business
-26.85
0.00
0.00
+100.00%
-43.83
Financing Cash Flow
82.29
+7700.28%
1.05
+100.40%
-261.58
-600.63%
-37.34
Cash Flow From Continuing Financing Activities
82.29
+7700.28%
1.05
+100.40%
-261.58
-600.63%
-37.34
Net Issuance Payments Of Debt
139.24
0.00
0.00
—
Issuance Of Debt
671.84
0.00
0.00
—
Repayment Of Debt
-532.60
0.00
0.00
—
Long Term Debt Issuance
671.84
0.00
0.00
—
Long Term Debt Payments
-532.60
0.00
0.00
—
Net Long Term Debt Issuance
139.24
0.00
0.00
—
Net Common Stock Issuance
0.00
0.00
+100.00%
-261.81
-599.07%
-37.45
Common Stock Payments
0.00
0.00
+100.00%
-261.81
-599.07%
-37.45
Repurchase Of Capital Stock
0.00
0.00
+100.00%
-261.81
-599.07%
-37.45
Proceeds From Stock Option Exercised
3.90
+269.86%
1.05
+362.72%
0.23
+96.55%
0.12
Net Other Financing Charges
-60.85
—
—
—
Changes In Cash
146.19
+1.21%
144.44
+168.63%
-210.47
-188.83%
236.94
Effect Of Exchange Rate Changes
3.71
+281.22%
-2.05
-179.58%
2.58
+135.97%
-7.16
Beginning Cash Position
549.18
+35.00%
406.79
-33.82%
614.69
+59.70%
384.91
End Cash Position
699.09
+27.30%
549.18
+35.00%
406.79
-33.82%
614.69
Free Cash Flow
280.41
+58.23%
177.22
+745.20%
20.97
+135.11%
-59.72
Interest Paid Supplemental Data
11.80
+135.92%
5.00
+0.00%
5.00
+0.00%
5.00
Income Tax Paid Supplemental Data
7.56
-15.27%
8.92
+72.61%
5.17
+19.52%
4.32
Amortization Of Securities
-10.33
+19.92%
-12.89
-165.42%
-4.86
-188.36%
5.50
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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