GWRE

Guidewire Software, Inc.

$181.90

-0.92% Oct 21 close

Information TechnologyS&P 400 Compare Technicals

1M 3M 6M 1Y 2Y

GWRESPY

+10.3%

+21.8%

+35.8%

+27.2%

YTD

-9.5%

-28.5%

Live chart

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What they do

Guidewire Software, Inc. provides a platform for property and casualty (P&C) insurers the United States, Canada, other Americas, Europe, the Middle East, Africa, and Asia-Pacific. It offers Guidewire InsuranceSuite, such as PolicyCenter, ClaimCenter, BillingCenter, PricingCenter, and UnderwritingCente applications. The company also provides Guidewire InsuranceNow, a cloud-based application that offers policy administration, claims management.

Technology · Software - Application

For information only · Important disclosures

Grades vs sector

Momentum

7th percentile in sector

12-1 return: -39.0%
Percentile within its GICS sector across the S&P 1500.

Growth

49th percentile in sector

C+

Revenue growth (YoY): +15.3%
Percentile within its GICS sector across the S&P 1500.

Value

10th percentile in sector

D-

Forward E/P: 3.2% · EBITDA/EV: 1.2%
Percentile within its GICS sector across the S&P 1500.

Profitability

41st percentile in sector

Profit margin: +9.4% · Return on equity: +10.5%
Percentile within its GICS sector across the S&P 1500.

Revisions

Not enough data yet

–

EPS estimate change, 30 days (current FY): –
30-day change in analysts' current-year EPS estimate; graded across covered stocks.

Our models

Not held by any of our 5 live models right now.

Quality Growth

Outside this model's universe or screens

Momentum Top 15

Outside this model's universe or screens

Momentum Blend

Not in the current book

New Highs Growth

Outside this model's universe or screens

Coteau Long Book

Not in the current book

News

More news

Guidewire Software Insider Sold Shares Worth $999,000, According to a Recent SEC Filing

MT Newswires · Oct 21

Samsara, Zeta Global, Agilysys, and Guidewire Software Shares Skyrocket, What You Need To Know

StockStory · Oct 20

Is CCC Intelligent Solutions Stock Stronger Than It Looks?

Trefis · Oct 20

Guidewire Software's Backlog Supports Durable Growth, Oppenheimer Says

MT Newswires · Oct 20

Is There A Risk Hiding In CCC Stock's Recent Quarters?

Trefis · Oct 16

Key stats

Market value$14.9B

P/E (last 12 months)111.6

P/E (next 12 months, estimated)34.0

52-week range$102.30 – $255.89

Revenue growth (latest quarter vs a year ago)+15.3%

Dividend yieldNo dividend

Analyst consensusBuy (14)

Average analyst price target$213.29 (+17%)

Valuation and fundamentals

Valuation & fundamentals

Bottom line

Leans expensive

Model read-out from the numbers below, not advice. Score -2 (DCF counts double).

▼DCF (base case)below the price by 16%

▼Forward P/E vs sector34.0x vs median 16.9x

▲Altman Z6.9 (safe)

▲Net debt / EBITDA-2.0x

▲Analyst target+17% (14 analysts)

Discounted cash flow

Bear

$90

-50%

growth 10% · disc. 10.4% · term. 2.0%

Base

$153

-16%

growth 16% · disc. 9.4% · term. 2.5%

Bull

$242

+33%

growth 21% · disc. 8.4% · term. 3.0%

A DCF starts from trailing free cash flow, so it can overstate value if the last 12 months were unusually strong (or weak). Use the bear case or edit the starting cash flow if so.

Reverse DCFfor context, not a signal

Today's price assumes free cash flow grows about 15% a year for 10 years.

Implied

+15%/yr

FCF, last 3 yrs

+126%/yr

FCF, last 5 yrs

+32%/yr

Revenue, last 3 yrs

+18%/yr

Revenue, last 5 yrs

+15%/yr

Same inputs as the DCF above: trailing free cash flow 0.4B, 9.4% discount rate, 2.5% growth after year 10, net cash and today's share count. Actual growth rates are compound annual rates from SEC annual filings through FY2026; "n/a" means too little history or a negative starting year.

Edit assumptions · recalculates instantly

Your value per share–

Free cash flow = operating cash flow − capital spending, trailing 12 months (FY to 2026-07-31). Growth default: average of 3-year revenue CAGR and latest revenue growth, capped at 30%. Years 6–10 fade linearly to terminal growth. Discount rate = 4.25% risk-free assumption + beta 1.03 × 5% equity premium, kept within 7–13%. Bear: lower growth, +1 pt discount, 2% terminal. Bull: higher growth, −1 pt, 3%.

Multiples vs Information Technology

P/E (trailing)

sector median 35.9× · 91st pct

111.6×
pricier

Forward P/E

sector median 16.9× · 90th pct

34.0×
pricier

EV / EBITDA

sector median 20.8× · 92nd pct

81.9×
pricier

Price / sales

sector median 4.6× · 78th pct

10.1×
pricier

Price / book

sector median 5.1× · 79th pct

12.5×
pricier

FCF yield

sector median 3.5% · 39th pct

2.5%
pricier

Forward EPS $5.35 vs trailing $1.63 (+228% expected growth). Forward P/E uses analysts' next-12-month estimate.

Backlog (remaining performance obligations)

RPO

$4.3B

as of 2026-07-31

vs a year ago

+39%

YoY

× TTM revenue

2.91×

coverage

24-10

25-01

25-04

25-07

25-10

26-01

26-04

26-07

Contracted revenue not yet recognized, from SEC filings (XBRL tag RevenueRemainingPerformanceObligation).

Quality & financial health

Gross margin

64.2%

Operating margin

10.2%

FCF margin

25.6%

Net margin

–

Return on equity

–

Return on invested capital

15.2%

Net debt / EBITDA

-2.0×

Current ratio

1.8×

Interest cover

11.2×

Cash conversion (OCF/NI)

–

Altman Z-score 6.9 (safe zone; above 3.0 = safe, below 1.8 = distress). Not meaningful for banks and insurers.

Analysts

Mean target

$213

+17%

Analysts

Buy

Range

$170–$258

low – high

● price · ◆ mean target

Annual history

FY	Revenue	Net income	Free cash flow
2026	$1.5B	–	$377.7M
2025	$1.2B	–	$295.1M
2024	$980.5M	–	$189.4M
2023	$905.3M	–	$32.6M
2022	$812.6M	–	$-47.5M
2021	$743.3M	–	$92.6M

From the company's 10-K filings via SEC XBRL. 3-year revenue CAGR +17.7%.

Earnings

Next report: 2026-12-03 · during market · EPS est 0.72

EstimateActual (beat)Actual (miss)

Report	EPS est	Actual	Surprise
2026-09-03	0.94	0.99	+5.5%
2026-06-04	0.74	0.82	+10.4%
2026-03-05	0.77	1.17	+52.5%
2025-12-03	0.61	0.66	+7.5%
2025-09-04	0.63	0.84	+33.3%
2025-06-03	0.47	0.88	+88.1%
2025-03-06	0.51	0.51	-0.9%
2024-12-05	0.30	0.43	+44.9%

Quarterly revenue

Quarter	Revenue	YoY
2026-07-31	$411.1M	+15.3%
2026-04-30	$372.5M	–
2026-01-31	$359.1M	–
2025-10-31	$332.6M	–
2025-07-31	$356.6M	–

Rating changes

Reiterated

2026-10-02 · DA Davidson reiterated Buy on GWRE

Reiterated

2026-09-09 · DA Davidson reiterated Buy on GWRE

Reiterated

2026-09-04 · Citigroup reiterated Neutral on GWRE

Reiterated

2026-09-04 · Oppenheimer reiterated Outperform on GWRE

Reiterated

2026-09-04 · DA Davidson reiterated Buy on GWRE

Reiterated

2026-09-04 · Wells Fargo reiterated Overweight on GWRE

Third-party analyst actions, not Coteau's views. All rating changes

Insider trades

Mullen John P

President · 2026-10-20

Sell
$999.0K

Rosenbaum Michael George

Director, Chief Executive Officer · 2026-10-19

Sell
$201.5K

Rosenbaum Michael George

Director, Chief Executive Officer · 2026-10-12

Sell
$202.8K

King James Winston

Chief Admin Officer, Gen Couns · 2026-10-09

Sell
$1.5M

Rosenbaum Michael George

Director, Chief Executive Officer · 2026-10-05

Sell
$183.0K

Rosenbaum Michael George

Director, Chief Executive Officer · 2026-09-28

Sell
$171.2K

Rosenbaum Michael George

Director, Chief Executive Officer · 2026-09-21

Sell
$175.1K

Cooper Jeffrey Elliott