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Guidewire Software, Inc.(GWRE)Earnings, Financials & Key Ratios
GWRE•NYSE
$140.02
$11.84B mkt cap·172.9× P/E·Price updated May 6, 2026
AboutGuidewire 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 that offers policy, billing, and claims management functionality to insurers; and Guidewire InsuranceSuite for Self-Managed. In addition, the company 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 to capitalize on customer information; and Guidewire Product Content Management that offers software tools and standards-based line-of-business templates to introduce and modify products. Further, it provides Guidewire Underwriting Management, a cloud-based integrated business application; Guidewire AppReader, a submission intake management solution; Guidewire ClaimCenter Package for the London market supports the claims workflow used by London Market insurers and brokers; Guidewire Digital Engagement Applications, which enable insurers to provide digital experiences to customers, agents, vendors, and field personnel through their device of choice; and Guidewire for Salesforce to provide customer information regarding policies and claims. Additionally, the company offers Guidewire Predictive Analytics, a set of cloud-native applications; Guidewire Risk Insights that allows insurers to assess new and evolving risks; Guidewire Business Intelligence that allows insurers to measure business performance; Guidewire DataHub, an operational data store; and Guidewire InfoCenter, a business intelligence warehouse, as well as implementation and integration, and professional services. The company was founded in 2001 and is headquartered in San Mateo, California.Show more
- Revenue$1.2B+22.6%
- EBITDA$65M+314.2%
- Net Income$70M+1243.8%
- EPS (Diluted)0.81+1191.6%
- Gross Margin62.54%+5.1%
- EBITDA Margin5.39%+274.7%
- Operating Margin3.42%+163.7%
- Net Margin5.81%+1032.7%
- ROE4.99%+1138.6%
- ROIC2.27%+171.6%
- Debt/Equity0.49+48.9%
- Interest Coverage3.11+139.8%
GWRE Key Insights
Guidewire Software, Inc. (GWRE) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong Piotroski F-Score: 7/9
- ✓FCF machine: 24.5% free cash flow margin
- ✓High quality earnings: Operating CF exceeds net income
- ✓Strong 5Y sales CAGR of 10.1%
✗Weaknesses
- ✗Weak momentum: RS Rating 17 (bottom 17%)
- ✗Trading more than 30% below 52-week high
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
GWRE Price & Volume
Guidewire Software, Inc. (GWRE) stock price & volume — 10-year historical chart
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GWRE Growth Metrics
Guidewire Software, Inc. (GWRE) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years12.19%
5 Years10.13%
3 Years13.95%
TTM23.72%
Profit CAGR
10 Years21.59%
5 Years-
3 Years-
TTM1223.33%
EPS CAGR
10 Years19.19%
5 Years-
3 Years-
TTM1147.62%
Return on Capital
10 Years-2.1%
5 Years-4.93%
3 Years-3.16%
Last Year2.3%
GWRE Recent Earnings
Guidewire Software, Inc. (GWRE) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 10/12 qtrs (83%)●Beat Revenue 10/12 qtrs (83%)
Q2 2026Latest
Mar 5, 2026EPS
$1.17
Est $0.77
+51.4%
Revenue
$359M
Est $343M
+4.8%
Q4 2025
Dec 3, 2025EPS
$0.66
Est $0.61
+7.5%
Revenue
$333M
Est $317M
+5.1%
Q4 2025
Sep 4, 2025EPS
$0.84
Est $0.64
+32.3%
Revenue
$357M
Est $338M
+5.6%
Q3 2025
Jun 3, 2025EPS
$0.88
Est $0.46
+90.3%
Revenue
$294M
Est $286M
+2.5%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Mar 5, 2026 | $1.17vs $0.77+51.4% | $359Mvs $343M+4.8% |
| Q4 2025 | Dec 3, 2025 | $0.66vs $0.61+7.5% | $333Mvs $317M+5.1% |
| Q4 2025 | Sep 4, 2025 | $0.84vs $0.64+32.3% | $357Mvs $338M+5.6% |
| Q3 2025 | Jun 3, 2025 | $0.88vs $0.46+90.3% | $294Mvs $286M+2.5% |
Based on last 12 quarters of dataView full earnings history →
GWRE Peer Comparison
Guidewire Software, Inc. (GWRE) competitors in Financial services and insurance software — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 SPNS | 2.43B | 43.45 | 33.68 | 5.4% | 11.4% | 12.2% | 2.97% | 0.13 |
 NOW | 95.34B | 92.01 | 55.10 | 20.88% | 12.59% | 14.98% | 4.8% | 0.25 |
 VEEV | 27.83B | 171.15 | 31.46 | 16.34% | 28.44% | 13.41% | 5.09% | 0.01 |
 PCTY | 5.8B | 107.68 | 26.79 | 13.74% | 14.19% | 21.69% | 5.91% | 0.18 |
 NCNO | 2.13B | 17.96 | -54.42 | 13.45% | -3.71% | -2.07% | 2.51% | 0.22 |
 APPF | 6.22B | 172.76 | 44.53 | 19.72% | 15.27% | 30.9% | 3.84% | 0.13 |
 BSY | 10.02B | 33.15 | 39 | 10.99% | 18.5% | 23.36% | 5.19% | 1.08 |
 PGR | 115.9B | 197.74 | 13.73 | 21.36% | 12.58% | 30.23% | 12.8% | 0.27 |
Compare GWRE vs Peers
Guidewire Software, Inc. (GWRE) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
GWRE Income Statement
Guidewire Software, Inc. (GWRE) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Jul'17 | Jul'18 | Jul'19 | Jul'20 | Jul'21 | Jul'22 | Jul'23 | Jul'24 | Jul'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Sales/Revenue | 514.28M | 661.07M | 719.51M | 742.31M | 743.27M | 812.61M | 905.34M | 980.5M | 1.2B | 1.34B |
| Revenue Growth % | 21.17% | 28.54% | 8.84% | 3.17% | 0.13% | 9.33% | 11.41% | 8.3% | 22.64% | 23.72% |
| Cost of Goods Sold | 191.56M | 296.78M | 324.35M | 338.01M | 353.71M | 435.44M | 447.13M | 397.14M | 450.41M | 486.26M |
| COGS % of Revenue | 37.25% | 44.89% | 45.08% | 45.54% | 47.59% | 53.58% | 49.39% | 40.5% | 37.46% | - |
| Gross Profit | 317.97M▲ 0% | 356.07M▲ 12.0% | 395.16M▲ 11.0% | 404.29M▲ 2.3% | 389.56M▼ 3.6% | 377.18M▼ 3.2% | 458.21M▲ 21.5% | 583.36M▲ 27.3% | 752.05M▲ 28.9% | 855.55M▲ 0% |
| Gross Margin % | 61.83% | 53.86% | 54.92% | 54.46% | 52.41% | 46.42% | 50.61% | 59.5% | 62.54% | 63.76% |
| Gross Profit Growth % | 16.64% | 11.98% | 10.98% | 2.31% | -3.64% | -3.18% | 21.48% | 27.31% | 28.92% | - |
| Operating Expenses | 296.11M | 371.69M | 393.69M | 428.18M | 495.14M | 576.62M | 607.7M | 635.93M | 710.99M | 764.57M |
| OpEx % of Revenue | 57.58% | 56.23% | 54.72% | 57.68% | 66.62% | 70.96% | 67.12% | 64.86% | 59.13% | - |
| Selling, General & Admin | 165.79M | 200.03M | 205.15M | 227.6M | 293.68M | 347.39M | 357.95M | 366.55M | 414.82M | 445.92M |
| SG&A % of Revenue | 32.24% | 30.26% | 28.51% | 30.66% | 39.51% | 42.75% | 39.54% | 37.38% | 34.5% | - |
| Research & Development | 130.32M | 171.66M | 188.54M | 200.57M | 201.47M | 229.23M | 249.75M | 269.38M | 296.16M | 318.65M |
| R&D % of Revenue | 25.34% | 25.97% | 26.2% | 27.02% | 27.11% | 28.21% | 27.59% | 27.47% | 24.63% | - |
| Other Operating Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Operating Income | 26.61M▲ 0% | -7.33M▼ 127.5% | 1.47M▲ 120.1% | -23.89M▼ 1723.8% | -105.58M▼ 342.0% | -199.45M▼ 88.9% | -149.49M▲ 25.0% | -52.57M▲ 64.8% | 41.07M▲ 178.1% | 90.98M▲ 0% |
| Operating Margin % | 5.17% | -1.11% | 0.2% | -3.22% | -14.21% | -24.54% | -16.51% | -5.36% | 3.42% | 6.78% |
| Operating Income Growth % | 61.9% | -127.54% | 120.07% | -1723.79% | -342.03% | -88.9% | 25.05% | 64.83% | 178.12% | - |
| EBITDA | 45.34M | 28.28M | 41.42M | 18.75M | -68.63M | -165.91M | -124.65M | -30.26M | 64.83M | 103.17M |
| EBITDA Margin % | 8.82% | 4.28% | 5.76% | 2.53% | -9.23% | -20.42% | -13.77% | -3.09% | 5.39% | 7.69% |
| EBITDA Growth % | 79.35% | -37.62% | 46.47% | -54.72% | -465.92% | -141.74% | 24.87% | 75.72% | 314.2% | 337.73% |
| D&A (Non-Cash Add-back) | 18.73M | 35.61M | 39.95M | 42.64M | 36.95M | 33.54M | 24.84M | 22.31M | 23.76M | 12.19M |
| EBIT | 28.54M | -1.83M | 29.79M | -6.39M | -85.57M | -210.27M | -127.38M | -20.1M | 62.61M | 124.43M |
| Net Interest Income | 5.85M | 6.84M | 12.85M | 6.76M | -11.32M | -13.17M | 17.67M | 36.74M | 43.41M | 31.67M |
| Interest Income | 5.85M | 13.28M | 30.18M | 24.7M | 7.39M | 6.28M | 24.39M | 43.48M | 56.63M | 54.43M |
| Interest Expense | 0 | 6.44M | 17.33M | 17.95M | 18.71M | 19.45M | 6.72M | 6.74M | 13.21M | 320K |
| Other Income/Expense | 6.67M | 7.35M | 10.98M | -445K | 1.3M | -30.27M | 15.4M | 25.73M | 8.33M | 97.72M |
| Pretax Income | 33.28M▲ 0% | 18K▼ 99.9% | 12.45M▲ 69077.8% | -24.33M▼ 295.4% | -104.28M▼ 328.6% | -229.72M▼ 120.3% | -134.09M▲ 41.6% | -26.84M▲ 80.0% | 49.4M▲ 284.0% | 188.71M▲ 0% |
| Pretax Margin % | 6.47% | 0% | 1.73% | -3.28% | -14.03% | -28.27% | -14.81% | -2.74% | 4.11% | 14.06% |
| Income Tax | 12.05M | 18.47M | -8.28M | 2.87M | -37.77M | -49.28M | -22.24M | -20.73M | -20.41M | -653K |
| Effective Tax Rate % | 36.22% | 102594.44% | -66.5% | -11.78% | 36.22% | 21.45% | 16.58% | 77.26% | -41.32% | -0.35% |
| Net Income | 21.22M▲ 0% | -19.66M▼ 192.7% | 20.73M▲ 205.4% | -27.2M▼ 231.2% | -66.51M▼ 144.5% | -180.43M▼ 171.3% | -111.86M▲ 38.0% | -6.1M▲ 94.5% | 69.8M▲ 1243.8% | 189.36M▲ 0% |
| Net Margin % | 4.13% | -2.97% | 2.88% | -3.66% | -8.95% | -22.2% | -12.35% | -0.62% | 5.81% | 14.11% |
| Net Income Growth % | 41.72% | -192.65% | 205.43% | -231.19% | -144.53% | -171.3% | 38.01% | 94.54% | 1243.77% | 1223.33% |
| Net Income (Continuing) | 18.07M | -26.74M | 20.73M | -27.2M | -66.51M | -180.43M | -111.86M | -6.1M | 69.8M | 97.94M |
| Discontinued Operations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EPS (Diluted) | 0.24▲ 0% | -0.25▼ 204.2% | 0.25▲ 200.0% | -0.33▼ 232.0% | -0.80▼ 142.4% | -2.16▼ 170.0% | -1.36▲ 37.0% | -0.07▲ 94.5% | 0.81▲ 1191.6% | 2.19▲ 0% |
| EPS Growth % | 20% | -204.17% | 200% | -232% | -142.42% | -170% | 37.04% | 94.54% | 1191.64% | 1147.62% |
| EPS (Basic) | 0.24 | -0.25 | 0.25 | -0.33 | -0.80 | -2.16 | -1.36 | -0.07 | 0.83 | - |
| Diluted Shares Outstanding | 75.33M | 77.71M | 82.68M | 82.86M | 83.58M | 83.57M | 82.18M | 82.29M | 85.91M | 86.34M |
| Basic Shares Outstanding | 74M | 77.71M | 82.68M | 82.86M | 83.58M | 83.57M | 82.18M | 82.29M | 83.85M | 84.82M |
| Dividend Payout Ratio | - | - | - | - | - | - | - | - | - | - |
GWRE Balance Sheet
Guidewire Software, Inc. (GWRE) balance sheet — assets, liabilities & shareholders' equity
| Line item | Jul'17 | Jul'18 | Jul'19 | Jul'20 | Jul'21 | Jul'22 | Jul'23 | Jul'24 | Jul'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Current Assets | 679.24M | 1.22B | 1.33B | 1.34B | 1.36B | 1.25B | 1.1B | 1.3B | 1.51B | 1.35B |
| Cash & Short-Term Investments | 573.2M | 1.07B | 1.12B | 1.13B | 1.12B | 976.17M | 798.68M | 1B | 1.15B | 919.17M |
| Cash Only | 263.18M | 437.14M | 254.1M | 366.97M | 384.91M | 606.3M | 401.81M | 547.99M | 699.1M | 407.95M |
| Short-Term Investments | 310.03M | 630.01M | 870.14M | 766.53M | 734.52M | 369.87M | 396.87M | 455.58M | 451.54M | 511.22M |
| Accounts Receivable | 79.43M | 131.53M | 184.77M | 174.77M | 192.92M | 227.45M | 256.49M | 242.18M | 271.6M | 337.67M |
| Days Sales Outstanding | 56.38 | 72.63 | 93.73 | 85.93 | 94.74 | 102.16 | 103.41 | 90.15 | 82.44 | 80.37 |
| Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Days Inventory Outstanding | - | - | - | - | - | - | - | - | - | - |
| Other Current Assets | 0 | 9.07M | 14.04M | 17.99M | 22.61M | 24.81M | 22.67M | 24M | 86.37M | 89.35M |
| Total Non-Current Assets | 399.66M | 756.09M | 831.99M | 1.02B | 966.56M | 1.01B | 928.28M | 930.76M | 1.21B | 1.35B |
| Property, Plant & Equipment | 14.38M | 18.59M | 65.81M | 169.03M | 177.51M | 171.03M | 106.87M | 99.16M | 99.75M | 102.75M |
| Fixed Asset Turnover | 35.77x | 35.55x | 10.93x | 4.39x | 4.19x | 4.75x | 8.47x | 9.89x | 12.06x | 13.33x |
| Goodwill | 141.85M | 340.88M | 340.88M | 340.88M | 340.88M | 372.19M | 372.21M | 372.21M | 393.98M | 422.11M |
| Intangible Assets | 71.31M | 95.65M | 66.54M | 39.71M | 19.74M | 21.36M | 14.47M | 9.01M | 12.04M | 19.83M |
| Long-Term Investments | 114.58M | 201.62M | 224.2M | 301.94M | 230.72M | 205.53M | 156.55M | 148.29M | 334.42M | 1.49B |
| Other Non-Current Assets | 20.1M | 11.85M | 44.26M | 68.52M | 59.28M | 52.62M | 51.3M | 49.01M | 76.26M | 290.36M |
| Total Assets | 1.08B▲ 0% | 1.98B▲ 83.4% | 2.17B▲ 9.5% | 2.36B▲ 9.1% | 2.32B▼ 1.8% | 2.27B▼ 2.4% | 2.03B▼ 10.5% | 2.23B▲ 9.8% | 2.72B▲ 22.2% | 2.69B▲ 0% |
| Asset Turnover | 0.48x | 0.33x | 0.33x | 0.31x | 0.32x | 0.36x | 0.45x | 0.44x | 0.44x | 0.51x |
| Asset Growth % | 17.76% | 83.39% | 9.52% | 9.13% | -1.82% | -2.37% | -10.54% | 9.78% | 22.23% | 51.69% |
| Total Current Liabilities | 163.62M | 225.19M | 232.27M | 225.2M | 300.31M | 337.52M | 373.26M | 837.63M | 544.8M | 458.98M |
| Accounts Payable | 13.42M | 30.64M | 34.26M | 22.63M | 27.83M | 40.44M | 34.63M | 15.21M | 28.8M | 28.95M |
| Days Payables Outstanding | 25.56 | 37.68 | 38.55 | 24.44 | 28.72 | 33.9 | 28.27 | 13.98 | 23.34 | 22.57 |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 398.9M | 10.44M | 0 |
| Deferred Revenue (Current) | 91.24M | 114.14M | 108.3M | 118.31M | 138.7M | 170.78M | 206.92M | 281.86M | 340.25M | 1.16B |
| Other Current Liabilities | 58.96M | 80.42M | 79.73M | 62.85M | 107.84M | 96.92M | 112.82M | 118.01M | 16.67M | 151.34M |
| Current Ratio | 4.15x | 5.43x | 5.75x | 5.96x | 4.51x | 3.71x | 2.95x | 1.55x | 2.77x | 2.77x |
| Quick Ratio | 4.15x | 5.43x | 5.75x | 5.96x | 4.51x | 3.71x | 2.95x | 1.55x | 2.77x | 2.77x |
| Cash Conversion Cycle | - | - | - | - | - | - | - | - | - | 57.81 |
| Total Non-Current Liabilities | 22M | 329.66M | 360.49M | 482.89M | 476.64M | 477.72M | 455.16M | 45.93M | 719.07M | 722.14M |
| Long-Term Debt | 0 | 305.13M | 317.32M | 330.21M | 343.82M | 358.22M | 397.17M | 0 | 674.57M | 705M |
| Capital Lease Obligations | 0 | 0 | 0 | 119.41M | 115.37M | 105.12M | 42.97M | 34.72M | 30.69M | 92.76M |
| Deferred Tax Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | 2.11M | 774K | 19.64M | 18.59M | 10.2M | 6.88M | 9.03M | 7.58M | 9.28M | 43.45M |
| Total Liabilities | 185.62M | 554.85M | 592.76M | 708.08M | 776.95M | 815.24M | 828.42M | 883.56M | 1.26B | 1.18B |
| Total Debt | 0 | 305.13M | 317.32M | 460.55M | 470.82M | 475.58M | 448.58M | 442.92M | 715.69M | 705M |
| Net Debt | -263.18M | -132.01M | 63.22M | 93.58M | 85.91M | -130.73M | 46.76M | -105.07M | 16.59M | 297.05M |
| Debt / Equity | - | 0.21x | 0.20x | 0.28x | 0.30x | 0.33x | 0.37x | 0.33x | 0.49x | 0.49x |
| Debt / EBITDA | - | 10.79x | 7.66x | 24.56x | - | - | - | - | 11.04x | 6.83x |
| Net Debt / EBITDA | -5.80x | -4.67x | 1.53x | 4.99x | - | - | - | - | 0.26x | 0.26x |
| Interest Coverage | - | -1.14x | 0.08x | -1.33x | -5.64x | -10.26x | -22.26x | -7.80x | 3.11x | 388.85x |
| Total Equity | 893.28M▲ 0% | 1.42B▲ 59.4% | 1.57B▲ 10.6% | 1.66B▲ 5.2% | 1.54B▼ 6.8% | 1.45B▼ 6.0% | 1.2B▼ 17.4% | 1.34B▲ 11.9% | 1.46B▲ 8.5% | 1.51B▲ 0% |
| Equity Growth % | 13.95% | 59.38% | 10.57% | 5.24% | -6.75% | -6.04% | -17.37% | 11.94% | 8.53% | 54.53% |
| Book Value per Share | 11.86 | 18.32 | 19.04 | 20.00 | 18.48 | 17.37 | 14.60 | 16.32 | 16.96 | 17.50 |
| Total Shareholders' Equity | 893.28M | 1.42B | 1.57B | 1.66B | 1.54B | 1.45B | 1.2B | 1.34B | 1.46B | 1.51B |
| Common Stock | 8K | 8K | 8K | 8K | 8K | 8K | 8K | 8K | 8K | 8K |
| Retained Earnings | 69.06M | 133.5M | 190.05M | 162.96M | -66.1M | -283.98M | -617.95M | -624.05M | -554.25M | -611.02M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accumulated OCI | -5.8M | -7.75M | -7.76M | -5.25M | -6.22M | -19.84M | -13.86M | -12.24M | -8.92M | -2.96M |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
GWRE Cash Flow Statement
Guidewire Software, Inc. (GWRE) cash flow — operating, investing & free cash flow history
| Line item | Jul'17 | Jul'18 | Jul'19 | Jul'20 | Jul'21 | Jul'22 | Jul'23 | Jul'24 | Jul'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 137.16M | 140.46M | 116.13M | 113.07M | 111.59M | -37.94M | 38.4M | 195.75M | 300.87M | 300.87M |
| Operating CF Margin % | 26.67% | 21.25% | 16.14% | 15.23% | 15.01% | -4.67% | 4.24% | 19.96% | 25.02% | - |
| Operating CF Growth % | 37.3% | 2.4% | -17.32% | -2.64% | -1.31% | -134% | 201.2% | 409.83% | 53.7% | 622.01% |
| Net Income | 21.22M | -19.66M | 20.73M | -27.2M | -66.51M | -180.43M | -111.86M | -6.1M | 69.8M | 189.36M |
| Depreciation & Amortization | 18.73M | 35.61M | 39.95M | 42.64M | 36.95M | 33.54M | 24.84M | 22.31M | 23.76M | 21.58M |
| Stock-Based Compensation | 71.79M | 89.61M | 91.52M | 101.82M | 115.01M | 137.01M | 142.84M | 146.46M | 161.56M | 172.62M |
| Deferred Taxes | -1.23M | 15.34M | -14M | -11.86M | -35.79M | -54.12M | -27.52M | -26.85M | -31.78M | -16.16M |
| Other Non-Cash Items | -6.01M | 4.16M | 10.81M | 32.67M | 32.72M | 35.46M | 24.15M | 7.26M | 66.22M | -137.76M |
| Working Capital Changes | 37.4M | 23.67M | -32.89M | -25.01M | 29.2M | -9.4M | -14.06M | 52.67M | 11.31M | 92.18M |
| Change in Receivables | -9.75M | -40.83M | -32.4M | -14.25M | -8.37M | -24.44M | -20.74M | 20.31M | -42.28M | -54.67M |
| Change in Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Change in Payables | 1.31M | 16.79M | -5.52M | -1.21M | 3.63M | 13.58M | -6.08M | -18.93M | 11.4M | 3.06M |
| Cash from Investing | -113.34M | -537.58M | -301.43M | -5.8M | 64.19M | 312.21M | 12.71M | -52.36M | -236.97M | -311M |
| Capital Expenditures | -6.67M | -12.01M | -48.86M | -25.66M | -28.85M | -21.78M | -17.43M | -6.36M | -5.74M | -12.27M |
| CapEx % of Revenue | 1.3% | 1.82% | 6.79% | 3.46% | 3.88% | 2.68% | 1.92% | 0.65% | 0.48% | - |
| Acquisitions | -187.59M | -130.06M | 3.94M | 4.28M | 9.85M | -43.83M | 10.84M | 0 | -26.85M | -60.1M |
| Investments | - | - | - | - | - | - | - | - | - | - |
| Other Investing | 80.13M | -398.13M | -3.94M | -4.28M | -9.85M | 0 | -10.84M | -13.5M | -12.81M | -19.1M |
| Cash from Financing | 14.63M | 573M | 3.95M | 4.96M | -159.39M | -37.34M | -261.58M | 1.05M | 82.29M | -311.92M |
| Debt Issued (Net) | 0 | 387.24M | 0 | 0 | 0 | 0 | 0 | 0 | 134.29M | -181.95M |
| Equity Issued (Net) | 1000K | 1000K | 1000K | 1000K | -1000K | -1000K | -1000K | 1000K | 1000K | 1.44M |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | 0 | 0 | 0 | 0 | -161.32M | -37.45M | -261.81M | 0 | 0 | 13.36M |
| Other Financing | 7.47M | -37.2M | 0 | 0 | 0 | 0 | 0 | 0 | -55.9M | -131.41M |
| Net Change in Cash | 39.59M▲ 0% | 173.96M▲ 339.4% | -183.04M▼ 205.2% | 112.87M▲ 161.7% | 17.94M▼ 84.1% | 229.78M▲ 1180.7% | -207.9M▼ 190.5% | 142.39M▲ 168.5% | 149.91M▲ 5.3% | -205.45M▲ 0% |
| Free Cash Flow | 130.49M▲ 0% | 128.45M▼ 1.6% | 67.27M▼ 47.6% | 87.41M▲ 29.9% | 82.73M▼ 5.3% | -59.72M▼ 172.2% | 20.97M▲ 135.1% | 177.22M▲ 745.2% | 295.13M▲ 66.5% | 309.56M▲ 0% |
| FCF Margin % | 25.37% | 19.43% | 9.35% | 11.77% | 11.13% | -7.35% | 2.32% | 18.07% | 24.54% | 23.07% |
| FCF Growth % | 40.63% | -1.57% | -47.63% | 29.94% | -5.35% | -172.18% | 135.11% | 745.2% | 66.53% | 48.88% |
| FCF per Share | 1.73 | 1.65 | 0.81 | 1.05 | 0.99 | -0.71 | 0.26 | 2.15 | 3.44 | 3.44 |
| FCF Conversion (FCF/Net Income) | 6.46x | -7.14x | 5.60x | -4.16x | -1.68x | 0.21x | -0.34x | -32.07x | 4.31x | 1.63x |
| Interest Paid | 0 | 0 | 5.04M | 5M | 5M | 5M | 5M | 5M | 11.8M | 8.89M |
| Taxes Paid | 3.7M | 4.74M | 4.56M | 4.89M | 4.16M | 4.32M | 5.17M | 8.92M | 7.56M | -2.02M |
GWRE Key Ratios
Guidewire Software, Inc. (GWRE) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 2.53% | -1.7% | 1.38% | -1.68% | -4.15% | -12.04% | -8.44% | -0.48% | 4.99% | 12.92% |
| Return on Invested Capital (ROIC) | 3.35% | -0.57% | 0.08% | -1.06% | -4.68% | -10.14% | -8.73% | -3.17% | 2.27% | 2.27% |
| Gross Margin | 61.83% | 53.86% | 54.92% | 54.46% | 52.41% | 46.42% | 50.61% | 59.5% | 62.54% | 63.76% |
| Net Margin | 4.13% | -2.97% | 2.88% | -3.66% | -8.95% | -22.2% | -12.35% | -0.62% | 5.81% | 14.11% |
| Debt / Equity | - | 0.21x | 0.20x | 0.28x | 0.30x | 0.33x | 0.37x | 0.33x | 0.49x | 0.49x |
| Interest Coverage | - | -1.14x | 0.08x | -1.33x | -5.64x | -10.26x | -22.26x | -7.80x | 3.11x | 388.85x |
| FCF Conversion | 6.46x | -7.14x | 5.60x | -4.16x | -1.68x | 0.21x | -0.34x | -32.07x | 4.31x | 1.63x |
| Revenue Growth | 21.17% | 28.54% | 8.84% | 3.17% | 0.13% | 9.33% | 11.41% | 8.3% | 22.64% | 23.72% |
GWRE SEC Filings & Documents
Guidewire Software, Inc. (GWRE) SEC filings — annual & quarterly reports (10-K, 10-Q)
GWRE Frequently Asked Questions
Guidewire Software, Inc. (GWRE) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Guidewire Software, Inc. (GWRE) reported $1.34B in revenue for fiscal year 2025. This represents a 1483% increase from $84.7M in 2009.
Guidewire Software, Inc. (GWRE) grew revenue by 22.6% over the past year. This is strong growth.
Yes, Guidewire Software, Inc. (GWRE) is profitable, generating $189.4M in net income for fiscal year 2025 (5.8% net margin).
Dividend & Returns
Guidewire Software, Inc. (GWRE) has a return on equity (ROE) of 5.0%. This is below average, suggesting room for improvement.
Guidewire Software, Inc. (GWRE) generated $309.6M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.
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