Comprehensive Stock Comparison
Compare Guidewire Software, Inc. (GWRE) vs Intuit Inc. (INTU) Stock
Analyze side-by-side fundamentals, valuation, growth, and profitability to decide which stock is the better buy.
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Quick Verdict
| Category | Winner | Why |
|---|---|---|
| Growth | GWRE | 22.6% revenue growth vs INTU's 15.6% |
| Value | INTU | Lower P/E (17.6x vs 49.3x) |
| Quality / Margins | INTU | 21.6% net margin vs GWRE's 7.2% |
| Stability / Safety | GWRE | Beta 0.88 vs INTU's 0.93 |
| Dividends | INTU | 1.0% yield; 14-year raise streak; GWRE pays no meaningful dividend |
| Momentum (1Y) | GWRE | -27.8% vs INTU's -32.6% |
| Efficiency (ROA) | INTU | 12.7% ROA vs GWRE's 3.5%, ROIC 16.5% vs 2.3% |
Who Each Stock Is For
Income & stability
Growth exposure
Long-term compounding (10Y)
Sleep-well-at-night portfolio
Defensive / Recession hedge
Business Model
What each company does and how it makes money
Guidewire Software is a provider of core software systems for property and casualty insurers worldwide. It generates revenue primarily through software licenses, cloud subscriptions, and implementation services — with its InsuranceSuite platform being the main offering. The company's moat comes from deep industry-specific expertise, high switching costs for insurers, and a comprehensive product ecosystem that creates vendor lock-in.
Intuit is a financial technology company that provides software and services for small businesses, self-employed individuals, and consumers to manage their finances and taxes. It generates revenue primarily through subscription software—QuickBooks for small businesses (~60% of revenue) and TurboTax for consumer tax preparation (~30%)—plus payment processing and credit services. Its competitive moat comes from deep integration across its ecosystem—linking accounting, payroll, payments, and tax filing—which creates high switching costs for its millions of small business and individual customers.
Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Financial Metrics Comparison
Side-by-side fundamentals across 2 stocks. BestLagging
Financial Scorecard
INTU leads in 3 of 6 categories (Financial Metrics, Valuation Metrics). GWRE leads in 2 (Total Returns, Risk & Volatility).
Financial Metrics (TTM)
INTU is the larger business by revenue, generating $20.1B annually — 15.8x GWRE's $1.3B. INTU is the more profitable business, keeping 21.6% of every revenue dollar as net income compared to GWRE's 7.2%. On growth, GWRE holds the edge at +26.5% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | GWREGuidewire Softwar… | INTUIntuit Inc. |
|---|---|---|
| RevenueTrailing 12 months | $1.3B | $20.1B |
| EBITDAEarnings before interest/tax | $89M | $5.9B |
| Net IncomeAfter-tax profit | $92M | $4.3B |
| Free Cash FlowCash after capex | $286M | $6.8B |
| Gross MarginGross profit ÷ Revenue | +63.1% | +81.2% |
| Operating MarginEBIT ÷ Revenue | +5.1% | +27.1% |
| Net MarginNet income ÷ Revenue | +7.2% | +21.6% |
| FCF MarginFCF ÷ Revenue | +22.5% | +34.0% |
| Rev. Growth (YoY)Latest quarter vs prior year | +26.5% | +17.4% |
| EPS Growth (YoY)Latest quarter vs prior year | +2.3% | +47.9% |
Valuation Metrics
At 29.9x trailing earnings, INTU trades at a 83% valuation discount to GWRE's 179.4x P/E. On an enterprise value basis, INTU's 20.6x EV/EBITDA is more attractive than GWRE's 189.7x.
| Metric | GWREGuidewire Softwar… | INTUIntuit Inc. |
|---|---|---|
| Market CapShares × price | $12.3B | $114.2B |
| Enterprise ValueMkt cap + debt − cash | $12.3B | $117.9B |
| Trailing P/EPrice ÷ TTM EPS | 179.41x | 29.92x |
| Forward P/EPrice ÷ next-FY EPS est. | 49.27x | 17.64x |
| PEG RatioP/E ÷ EPS growth rate | — | 2.05x |
| EV / EBITDAEnterprise value multiple | 189.75x | 20.57x |
| Price / SalesMarket cap ÷ Revenue | 10.22x | 6.06x |
| Price / BookPrice ÷ Book value/share | 8.57x | 5.87x |
| Price / FCFMarket cap ÷ FCF | 41.62x | 18.77x |
Profitability & Efficiency
INTU delivers a 22.8% return on equity — every $100 of shareholder capital generates $23 in annual profit, vs $6 for GWRE. INTU carries lower financial leverage with a 0.34x debt-to-equity ratio, signaling a more conservative balance sheet compared to GWRE's 0.49x. On the Piotroski fundamental quality scale (0–9), INTU scores 9/9 vs GWRE's 7/9, reflecting strong financial health.
| Metric | GWREGuidewire Softwar… | INTUIntuit Inc. |
|---|---|---|
| ROE (TTM)Return on equity | +6.0% | +22.8% |
| ROA (TTM)Return on assets | +3.5% | +12.7% |
| ROICReturn on invested capital | +2.3% | +16.5% |
| ROCEReturn on capital employed | +2.3% | +19.2% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 9 |
| Debt / EquityFinancial leverage | 0.49x | 0.34x |
| Net DebtTotal debt minus cash | $17M | $3.8B |
| Cash & Equiv.Liquid assets | $699M | $2.9B |
| Total DebtShort + long-term debt | $716M | $6.6B |
| Interest CoverageEBIT ÷ Interest expense | 5.92x | 428.27x |
Total Returns (with DRIP)
A $10,000 investment in GWRE five years ago would be worth $12,565 today (with dividends reinvested), compared to $10,487 for INTU. Over the past 12 months, GWRE leads with a -27.8% total return vs INTU's -32.6%. The 3-year compound annual growth rate (CAGR) favors GWRE at 27.4% vs INTU's 1.1% — a key indicator of consistent wealth creation.
| Metric | GWREGuidewire Softwar… | INTUIntuit Inc. |
|---|---|---|
| YTD ReturnYear-to-date | -22.5% | -34.8% |
| 1-Year ReturnPast 12 months | -27.8% | -32.6% |
| 3-Year ReturnCumulative with dividends | +107.0% | +3.3% |
| 5-Year ReturnCumulative with dividends | +25.7% | +4.9% |
| 10-Year ReturnCumulative with dividends | +195.2% | +350.0% |
| CAGR (3Y)Annualised 3-year return | +27.4% | +1.1% |
Risk & Volatility
GWRE is the less volatile stock with a 0.88 beta — it tends to amplify market swings less than INTU's 0.93 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. GWRE currently trades 53.3% from its 52-week high vs INTU's 50.3% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | GWREGuidewire Softwar… | INTUIntuit Inc. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.88x | 0.93x |
| 52-Week HighHighest price in past year | $272.60 | $813.70 |
| 52-Week LowLowest price in past year | $120.75 | $349.00 |
| % of 52W HighCurrent price vs 52-week peak | +53.3% | +50.3% |
| RSI (14)Momentum oscillator 0–100 | 52.5 | 33.1 |
| Avg Volume (50D)Average daily shares traded | 1.3M | 2.7M |
Analyst Outlook
Wall Street rates GWRE as "Buy" and INTU as "Buy". Consensus price targets imply 78.0% upside for INTU (target: $728) vs 74.4% for GWRE (target: $254). INTU is the only dividend payer here at 1.03% yield — a key consideration for income-focused portfolios.
| Metric | GWREGuidewire Softwar… | INTUIntuit Inc. |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $253.50 | $728.11 |
| # AnalystsCovering analysts | 26 | 42 |
| Dividend YieldAnnual dividend ÷ price | — | +1.0% |
| Dividend StreakConsecutive years of raises | — | 14 |
| Dividend / ShareAnnual DPS | — | $4.20 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +2.4% |
Historical Charts
Charts are rendered on first load. Hover for details.
Chart 1Total Return — 5 Years (Rebased to 100)
| Stock | Mar 20 | Feb 26 | Change |
|---|---|---|---|
| Guidewire Software,… (GWRE) | 100 | 124.1 | +24.1% |
| Intuit Inc. (INTU) | 100 | 173.24 | +73.2% |
Guidewire Software,… (GWRE) returned +26% over 5 years vs Intuit Inc. (INTU)'s +5%. A $10,000 investment in GWRE 5 years ago would be worth $12,565 today (including dividends reinvested).
Chart 2Revenue Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Guidewire Software,… (GWRE) | $424M | $1.2B | +183.3% |
| Intuit Inc. (INTU) | $4.7B | $18.8B | +301.2% |
Guidewire Software, Inc.'s revenue grew from $424M (2016) to $1.2B (2025) — a 12.3% CAGR. Intuit Inc.'s revenue grew from $4.7B (2016) to $18.8B (2025) — a 16.7% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Guidewire Software,… (GWRE) | 3.5% | 5.8% | +64.5% |
| Intuit Inc. (INTU) | 20.9% | 20.5% | -1.5% |
Guidewire Software, Inc.'s net margin went from 4% (2016) to 6% (2025). Intuit Inc.'s net margin went from 21% (2016) to 21% (2025).
Chart 4P/E Ratio History — 9 Years
| Stock | 2017 | 2025 | Change |
|---|---|---|---|
| Guidewire Software,… (GWRE) | 309.4 | 248.2 | -19.8% |
| Intuit Inc. (INTU) | 42.4 | 48.5 | +14.4% |
Guidewire Software, Inc. has traded in a 248x–439x P/E range over 3 years; current trailing P/E is ~179x. Intuit Inc. has traded in a 39x–85x P/E range over 9 years; current trailing P/E is ~30x.
Chart 5EPS Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| Guidewire Software,… (GWRE) | 0.2 | 0.81 | +305.0% |
| Intuit Inc. (INTU) | 3.04 | 13.67 | +349.7% |
Guidewire Software, Inc.'s EPS grew from $0.20 (2016) to $0.81 (2025) — a 17% CAGR. Intuit Inc.'s EPS grew from $3.04 (2016) to $13.67 (2025) — a 18% CAGR.
Chart 6Free Cash Flow — 5 Years
Guidewire Software, Inc. generated $295M FCF in 2025 (+257% vs 2021). Intuit Inc. generated $6B FCF in 2025 (+95% vs 2021).
GWRE vs INTU: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is GWRE or INTU a better buy right now?
Intuit Inc. (INTU) offers the better valuation at 29.9x trailing P/E (17.6x forward), making it the more compelling value choice. Analysts rate Guidewire Software, Inc. (GWRE) a "Buy" — based on 26 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — GWRE or INTU?
On trailing P/E, Intuit Inc. (INTU) is the cheapest at 29.9x versus Guidewire Software, Inc. at 179.4x. On forward P/E, Intuit Inc. is actually cheaper at 17.6x.
03Which is the better long-term investment — GWRE or INTU?
Over the past 5 years, Guidewire Software, Inc. (GWRE) delivered a total return of +25.7%, compared to +4.9% for Intuit Inc. (INTU). A $10,000 investment in GWRE five years ago would be worth approximately $13K today (assuming dividends reinvested). Over 10 years, the gap is even starker: INTU returned +350.0% versus GWRE's +195.2%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — GWRE or INTU?
By beta (market sensitivity over 5 years), Guidewire Software, Inc. (GWRE) is the lower-risk stock at 0.88β versus Intuit Inc.'s 0.93β — meaning INTU is approximately 5% more volatile than GWRE relative to the S&P 500. On balance sheet safety, Intuit Inc. (INTU) carries a lower debt/equity ratio of 34% versus 49% for Guidewire Software, Inc. — giving it more financial flexibility in a downturn.
05Which has better profit margins — GWRE or INTU?
Intuit Inc. (INTU) is the more profitable company, earning 20.5% net margin versus 5.8% for Guidewire Software, Inc. — meaning it keeps 20.5% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: INTU leads at 26.1% versus 3.4% for GWRE. At the gross margin level — before operating expenses — INTU leads at 80.8%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
06Is GWRE or INTU more undervalued right now?
On forward earnings alone, Intuit Inc. (INTU) trades at 17.6x forward P/E versus 49.3x for Guidewire Software, Inc. — 31.6x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for INTU: 78.0% to $728.11.
07Which pays a better dividend — GWRE or INTU?
In this comparison, INTU (1.0% yield) pays a dividend. GWRE does not pay a meaningful dividend and should not be held primarily for income.
08Is GWRE or INTU better for a retirement portfolio?
For long-horizon retirement investors, Intuit Inc. (INTU) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.93), 1.0% yield, +350.0% 10Y return). Both have compounded well over 10 years (INTU: +350.0%, GWRE: +195.2%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
09What are the main differences between GWRE and INTU?
Both stocks operate in the Technology sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both. INTU pays a dividend while GWRE does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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