Guidewire Software
GWRE
163.98
-0.54
-0.33%
Guidewire Software
US · GWRE
#1282 by market cap
Listed 1970
163.98
-0.54
-0.33%
Live - 5344 symbols - heartbeat 146s ago
· 2026-10-08 04:32
Pre-market
162.40
-0.96%
After-hours
163.98
0.00%
Overnight
162.65
-0.81%
- Market cap
- 13.45B
- P/E (TTM)i
- 100.60
- P/Bi
- 11.26
- EPSi
- 1.63
- Div yieldi
- 0.00%
- 52W posi
- 40%
Reader sentiment
Are you bullish or bearish on GWRE?
Anonymous reader poll. Unscientific, not investment advice.
✦ Quant Financial Health how this is computed
Good
- Altman Z-Score is 6.28, above the 3.0 "safe zone" threshold.
- Most reliable for industrial/manufacturing companies; less meaningful for banks, insurers and other financials.
Revenue annual, last 8 years
Latest year +22.70% YoY
Margins
- Gross margin
- 64.21%
- Operating margin
- 10.16%
- Net margin
- 9.44%
Key ratios & quality
- Enterprise valuei
- 13.38B
- Altman Z-Scorei
- 6.28
Altman Z-Score below ~1.8 suggests financial distress risk, above ~3.0 suggests low risk; the model is most reliable for industrial/manufacturing companies and less meaningful for banks and other financial firms.
Income statement
| Line item | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 719.51M | 742.31M | 743.27M | 812.61M | 905.34M | 980.50M | 1.20B | 1.48B |
| Gross profit | 395.16M | 404.29M | 389.56M | 377.18M | 458.21M | 583.36M | 752.05M | 947.37M |
| Selling & admin expenses | 205.15M | 227.60M | 293.68M | 347.39M | 357.96M | 366.55M | 414.83M | 457.40M |
| Research & development | 188.54M | 200.58M | 201.47M | 229.23M | 249.75M | 269.38M | 296.16M | 340.10M |
| Operating profit | 1.47M | -23.89M | -105.58M | -199.45M | -149.49M | -52.57M | 41.07M | 149.87M |
| Pretax profit | 12.45M | -24.33M | -104.28M | -229.72M | -134.09M | -26.84M | 49.40M | 164.12M |
| Tax | -8.28M | 2.87M | -37.77M | -49.28M | -22.24M | -20.74M | -20.41M | 24.83M |
| Net profit | 20.73M | -27.20M | -66.51M | -180.43M | -111.86M | -6.10M | 69.80M | 139.28M |
| Basic EPS | 0 | 0 | -1 | -2 | -1 | 0 | 1 | 2 |
| Diluted EPS | 0.25 | -0.33 | -0.79 | -2.16 | -1.36 | -0.07 | 0.81 | 1.63 |
| Line item | 2025-04 | 2025-07 | 2025-10 | 2026-01 | 2026-04 | 2026-07 |
|---|---|---|---|---|---|---|
| Revenue | 293.51M | 356.57M | 332.64M | 359.10M | 372.54M | 411.09M |
| Gross profit | 182.70M | 231.81M | 209.52M | 231.52M | 236.65M | 269.68M |
| Selling & admin expenses | 105.32M | 118.12M | 112.73M | 109.76M | 118.14M | 116.77M |
| Research & development | 72.92M | 84.10M | 78.32M | 83.32M | 87.87M | 90.59M |
| Operating profit | 4.47M | 29.60M | 18.48M | 38.44M | 30.64M | 62.32M |
| Pretax profit | 48.67M | 40.99M | 24.50M | 74.55M | 19.76M | 45.30M |
| Tax | 2.68M | -10.97M | -6.81M | 14.44M | 3.29M | 13.91M |
| Net profit | 45.99M | 51.95M | 31.31M | 60.11M | 16.47M | 31.40M |
| Basic EPS | 1 | 1 | 0 | 1 | 0 | 0 |
| Diluted EPS | 0.54 | 0.60 | 0.36 | 0.70 | 0.19 | 0.38 |
Balance sheet
| Line item | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|
| Total current assets | 1.33B | 1.34B | 1.36B | 1.25B | 1.10B | 1.30B | 1.51B | 1.19B |
| Cash & ST investments | 1.12B | 1.13B | 1.12B | 976.17M | 798.69M | 1.00B | 1.15B | 753.06M |
| Inventory | -- | -- | -- | -- | -- | -- | -- | -- |
| Total assets | 2.17B | 2.36B | 2.32B | 2.27B | 2.03B | 2.23B | 2.72B | 2.58B |
| Total current liabilities | 232.27M | 225.20M | 300.31M | 337.52M | 373.26M | 837.64M | 544.80M | 664.50M |
| Short-term debt | -- | 10.94M | 11.62M | 12.24M | 8.43M | 408.20M | 10.44M | 11.69M |
| Long-term debt | 317.32M | 330.21M | 343.83M | 358.22M | 397.17M | -- | 674.57M | 678.09M |
| Total liabilities | 592,762,000.00 | 708,084,000.00 | 776,951,000.00 | 815,240,000.00 | 828,422,000.00 | 883,562,000.00 | 1,263,869,000.00 | 1,383,259,000.00 |
| Total equity | 1.57B | 1.66B | 1.54B | 1.45B | 1.20B | 1.34B | 1.46B | 1.19B |
| Retained earnings | 190.05M | 162.96M | -66.10M | -283.98M | -617.95M | -624.05M | -554.25M | -1.02B |
| Line item | 2025-04 | 2025-07 | 2025-10 | 2026-01 | 2026-04 | 2026-07 |
|---|---|---|---|---|---|---|
| Total current assets | 1.31B | 1.51B | 1.36B | 1.35B | 1.22B | 1.19B |
| Cash & ST investments | 920.44M | 1.15B | 1.01B | 919.17M | 749.53M | 753.06M |
| Inventory | -- | -- | -- | -- | -- | -- |
| Total assets | 2.49B | 2.72B | 2.64B | 2.69B | 2.54B | 2.58B |
| Total current liabilities | 405.91M | 544.80M | 389.86M | 458.98M | 497.18M | 664.50M |
| Short-term debt | -- | 10.44M | -- | -- | -- | 11.69M |
| Long-term debt | 673.70M | 674.57M | 675.44M | 676.32M | 677.21M | 678.09M |
| Total liabilities | 1,125,496,000.00 | 1,263,869,000.00 | 1,105,913,000.00 | 1,181,127,000.00 | 1,217,987,000.00 | 1,383,259,000.00 |
| Total equity | 1.36B | 1.46B | 1.53B | 1.51B | 1.32B | 1.19B |
| Retained earnings | -606.20M | -554.25M | -522.94M | -611.02M | -845.53M | -1.02B |
Cash flow
| Line item | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|
| Operating cash flow | 116.13M | 113.07M | 111.59M | -37.94M | 38.40M | 195.75M | 300.87M | 389.72M |
| Depreciation & amortization | 39.95M | 42.64M | 36.96M | 33.54M | 24.84M | 22.31M | 23.76M | 27.95M |
| Free cash flow | 67.27M | 87.41M | 82.73M | -59.72M | 20.97M | 177.22M | 280.41M | 358.66M |
| Dividends paid | -- | -- | -- | -- | -- | -- | -- | -- |
| Stock buybacks / issuance | 0 | 0 | -161.32M | -37.45M | -261.81M | 0 | 0 | -579.71M |
| Ending cash balance | 254.10M | 366.97M | 384.91M | 614.69M | 406.79M | 549.18M | 699.09M | 372.89M |
| Line item | 2025-04 | 2025-07 | 2025-10 | 2026-01 | 2026-04 | 2026-07 |
|---|---|---|---|---|---|---|
| Operating cash flow | 32.35M | 244.83M | -67.40M | 112.05M | 61.18M | 283.89M |
| Depreciation & amortization | 5.97M | 6.22M | 6.36M | 7.04M | 7.23M | 7.32M |
| Free cash flow | 27.83M | 237.68M | -77.36M | 105.66M | 53.66M | 276.70M |
| Dividends paid | -- | -- | -- | -- | -- | -- |
| Stock buybacks / issuance | 0 | 0 | -- | -- | -244.26M | -200.62M |
| Ending cash balance | 511.51M | 699.09M | 493.23M | 407.95M | 294.63M | 372.89M |
Returns & efficiency
| Line item | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|
| ROE %i | 1.38 | -1.68 | -4.15 | -12.04 | -8.44 | -0.48 | 4.99 | 10.51 |
| ROA %i | 1.00 | -1.20 | -2.84 | -7.86 | -5.21 | -0.29 | 2.82 | 5.26 |
| ROIC %i | 0.63 | -1.60 | -2.87 | -8.62 | -7.08 | -1.95 | 1.89 | 5.36 |
| 5-year avg ROE %i | 0.95 | 0.32 | -0.92 | -3.76 | -4.99 | -5.36 | -4.03 | -1.09 |
| EBIT margin %i | 4.14 | -0.86 | -11.51 | -25.88 | -14.07 | -2.05 | 5.21 | 12.03 |
| FCF / sales %i | 9.35 | 11.77 | 11.13 | -- | 2.32 | 18.07 | 23.32 | 24.31 |
| Current ratioi | 5.75 | 5.96 | 4.51 | 3.71 | 2.95 | 1.55 | 2.77 | 1.79 |
| Quick ratioi | 5.64 | 5.81 | 4.37 | 3.57 | 2.83 | 1.49 | 2.66 | 1.67 |
| Debt / assetsi | 14.64 | 19.47 | 20.28 | 20.98 | 22.12 | 19.89 | 26.30 | 27.75 |
| LT debt / equityi | 20.16 | 27.14 | 29.72 | 31.92 | 36.69 | 2.59 | 48.40 | 58.92 |
| Interest coveragei | 1.72 | -0.36 | -4.57 | -10.81 | -18.97 | -2.98 | 4.74 | 13.32 |
| Revenue CAGR (3Y) %i | 19.24 | 13.36 | 4.42 | 4.14 | 6.84 | 9.67 | 13.95 | 17.68 |
| Net income CAGR (3Y) %i | 11.45 | -- | -- | -- | -- | -- | -- | -- |
| FCF CAGR (3Y) %i | -10.17 | -12.86 | -13.64 | -- | -37.86 | 28.91 | -- | 157.66 |
| Line item | 2025-04 | 2025-07 | 2025-10 | 2026-01 | 2026-04 | 2026-07 |
|---|---|---|---|---|---|---|
| ROE %i | 2.61 | 4.99 | 6.57 | 13.63 | 11.93 | 10.51 |
| ROA %i | 1.53 | 2.82 | 3.51 | 7.24 | 6.36 | 5.26 |
| ROIC %i | 0.14 | 1.89 | 2.84 | 7.87 | 6.68 | 5.36 |
| 5-year avg ROE %i | -- | -- | -- | -- | -- | -- |
| EBIT margin %i | 3.42 | 5.21 | 6.73 | 15.08 | 12.18 | 12.03 |
| FCF / sales %i | 20.40 | 23.32 | 21.26 | 21.90 | 22.50 | 24.31 |
| Current ratioi | 3.23 | 2.77 | 3.48 | 2.93 | 2.44 | 1.79 |
| Quick ratioi | 3.04 | 2.66 | 3.26 | 2.74 | 2.24 | 1.67 |
| Debt / assetsi | 28.40 | 26.30 | 26.69 | 26.19 | 27.78 | 27.75 |
| LT debt / equityi | 51.87 | 48.40 | 45.94 | 46.67 | 53.47 | 58.92 |
| Interest coveragei | 3.35 | 4.74 | 5.92 | 14.86 | 13.05 | 13.32 |
| Revenue CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| Net income CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| FCF CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
✦ Quant Revenue Concentration how this is computed
Lead segment, long tail
- Subscription is the largest reported line at 62.07% of revenue, across 4 reported segments.
- Services follows at 18.29%, so the top line still matters most but isn’t the whole story.
Revenue breakdown most recent period
Business
Subscription62.07%
Services18.29%
License15.90%
Support3.73%
Region
United States (U.S.)63.57%
Europe, the Middle East, and Africa (EMEA)15.38%
Canada11.86%
Asia-Pacific (APAC)7.78%
Other Americas1.41%
Quote time 2026-10-08 04:32:53 · For reference only, not investment advice and not tailored to your situation.