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Guidewire Software, Inc. (GWRE) Total Return Calculator with Dividends Reinvested

Guidewire Software, Inc.

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The total return for Guidewire Software, Inc. (GWRE) stock is -37.90% over the past 12 months. So far it's down 30.13% this year. The 5-year total return is +33.59%, meaning $10,000 invested in GWRE stock 5 years ago would be worth $13,359 today. Total return includes price appreciation plus reinvesting any dividends paid out.

If you invested $10,000 in GWRE 1 year ago, it would be worth $6,150 today — you'd have lost $3,850.

With Dividends Reinvested$6,150-38.50%

Price Only (No DRIP)$6,150-38.50%

Period2025-05-07 → 2026-05-06

Price

Total Return (DRIP)

S&P 500

If You Invested $10,000 in GWRE

1Y$6,210-$3,790 (-37.9%)-37.9% CAGR

3Y$16,871+$6,871 (+68.7%)19.0% CAGR

5Y$13,359+$3,359 (+33.6%)6.0% CAGR

10Y$23,667+$13,667 (+136.7%)9.0% CAGR

15Y$76,572+$66,572 (+665.7%)14.5% CAGR

20Y$76,571+$66,571 (+665.7%)10.7% CAGR

30Y$76,572+$66,572 (+665.7%)7.0% CAGR

Guidewire Software, Inc. did not pay dividends during this period. Total return = price return.

Loading GWRE total return...

As of 2026-05-07

Returns at a Glance

Period	Total Return	CAGR	Price Only	Div. Contrib.	$10K →
YTD	-30.13%	—	-30.13%	—	$6,987
1Y	-37.90%	-37.90%	-37.90%	—	$6,210
3Y	+68.71%	19.05%	+68.71%	—	$16,871
5Y	+33.59%	5.96%	+33.59%	—	$13,359
10Y	+136.67%	9.00%	+136.67%	—	$23,667
15Y	+665.72%	14.53%	+665.72%	—	$76,572
20Y	+665.71%	10.71%	+665.71%	—	$76,571
30Y	+665.72%	7.02%	+665.72%	—	$76,572

Risk & Highlights

Best Year+73.60%2012

Worst Year-44.78%2022

Max Drawdown-54.96%2025-09-08 → 2026-04-10

Annual Returns

Year	Total Return	Price Return	Div.	S&P 500	vs S&P
2026YTD	-22.55%	-22.55%	—	+0.41%	-23.0pp
2025	+18.59%	+18.59%	—	+16.64%	+2.0pp
2024	+57.92%	+57.92%	—	+24.00%	+33.9pp
2023	+73.35%	+73.35%	—	+24.81%	+48.5pp
2022	-44.78%	-44.78%	—	-19.95%	-24.8pp

GWRE underperformed the S&P 500 by 69.22pp over the past year (-37.90% vs +31.32%).

Loading summary...

GWRE Peers' Total Return

Accurate peer set · 10 comparable names

Name	Mkt Cap	30D Rtn	YTD Total Rtn	1Y Total Rtn	Div Contrib	3Y Total Rtn	5Y Total Rtn	10Y Total Rtn
GWREGuidewire Software, Inc.	$11.1B	-11.3%	-30.1%	-37.9%	—	+68.7%	+33.6%	+136.7%
SPNSSapiens International Corporation N.V.	$2.4B	—	—	+51.5%	—	+100.9%	+57.4%	+301.1%
NOWServiceNow, Inc.	$92.3B	-13.1%	-39.6%	-90.8%	—	-79.7%	-81.7%	+32.4%
VEEVVeeva Systems Inc.	$27.2B	-4.2%	-23.8%	-28.1%	—	-5.8%	-35.2%	+519.6%
PCTYPaylocity Holding Corporation	$5.5B	-4.0%	-29.6%	-45.2%	—	-40.9%	-40.1%	+208.3%
NCNOnCino, Inc.	$2.1B	+0.5%	-29.2%	-21.3%	—	-22.5%	-69.1%	-81.0%
APPFAppFolio, Inc.	$6.0B	+4.8%	-27.4%	-21.6%	—	+21.3%	+27.8%	+1247.1%
BSYBentley Systems, Incorporated	$9.7B	-8.6%	-15.8%	-26.1%	+0.6pp	-22.0%	-31.6%	-1.1%
PGRThe Progressive Corporation	$115.3B	+0.2%	-0.8%	-25.7%	+4.9pp	+61.6%	+110.2%	+600.9%
TRVThe Travelers Companies, Inc.	$65.2B	+2.0%	+6.1%	+14.2%	+1.6pp	+72.1%	+100.3%	+204.9%
ALLThe Allstate Corporation	$56.1B	+4.6%	+7.4%	+9.9%	+2.0pp	+97.5%	+78.0%	+265.6%

Compare:GWRE vs SPNS GWRE vs NOW GWRE vs VEEV GWRE vs SPNS vs NOW

About GWRE Dividend Returns

Guidewire Software, Inc. (GWRE) does not currently pay dividends. Many growth-focused companies reinvest profits back into the business rather than distributing them as dividends.

How We Calculate Total Return

Our total return calculator simulates dividend reinvestment (DRIP) by assuming each dividend payment is used to purchase additional shares at the closing price on the ex-dividend date. This methodology provides an accurate representation of how a dividend reinvestment plan would perform.

Frequently Asked Questions

Q1What is the total return of GWRE over the past year?

Guidewire Software, Inc. (GWRE) delivered a return of -37.90% over the past year. Since GWRE does not currently pay dividends, the total return equals the price-only return.

Q2How much would $10,000 invested in GWRE be worth today?

A $10,000 investment in Guidewire Software, Inc. one year ago would be worth $6,210 today, representing a loss of $3,790.

Q3Does GWRE pay dividends?

Guidewire Software, Inc. (GWRE) does not currently pay dividends. Many growth-focused companies reinvest profits back into the business rather than distributing them as dividends. For GWRE, the total return equals the price-only return.

Q4Did GWRE beat the S&P 500?

No, Guidewire Software, Inc. (GWRE) underperformed the S&P 500 by 69.22 percentage points over the past year. GWRE delivered a total return of -37.90%, compared to the S&P 500's 31.32%. This means a passive S&P 500 index fund outperformed GWRE by 69.22pp during this period.

Q5What is GWRE's worst drawdown?

Guidewire Software, Inc. (GWRE) experienced a maximum drawdown of -54.96% over the past year, declining from its peak on 2025-09-08 to its trough on 2026-04-10. The stock has not yet fully recovered to its prior peak. Maximum drawdown measures the worst peak-to-trough decline and is an important risk metric for investors.

Q6What is GWRE's long-term total return over 10, 20, or 30 years?

Here are Guidewire Software, Inc. (GWRE)'s long-term returns with dividends reinvested. Over 10 years, the total return is 136.7% (9.0% CAGR) — $10,000 would have grown to $23,667. Over 20 years: 665.7% total return (10.7% CAGR) — $10,000 → $76,571. Over 30 years: 665.7% total return (7.0% CAGR) — $10,000 → $76,572. Long-term investors benefit from compounding: dividends buy additional shares, which generate their own dividends, creating an exponential growth effect.

Q7What was GWRE's best and worst year?

Guidewire Software, Inc.'s best calendar year was 2012 with a total return of 73.6%. Its worst year was 2022 with a total return of -44.8%. This range shows the volatility investors should expect — the difference between the best and worst year is 118.4 percentage points.