Guidewire Software/$GWRE
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About Guidewire Software
Guidewire Software provides cloud-based software solutions for property and casualty insurers. The flagship product, InsuranceSuite is a system of record and comprises ClaimCenter, a claims management system; PolicyCenter, a policy management system including policy definitions, quotas, issuance, maintenance, and renewal; and BillingCenter, for billing management, payment plans, and agent commissions. The company also offers InsuranceNow, a midmarket offering, as well as a variety of other add-on applications and services.
Ticker
$GWRE
Sector
Software & Cloud Services
Primary listing
NYSE
Employees
3,596
Headquarters
Website
GWRE Metrics
BasicAdvanced
$21B
312.27
$0.81
1.22
-
Price and volume
Market cap
$21B
Beta
1.22
52-week high
$272.60
52-week low
$165.08
Average daily volume
750K
Financial strength
Current ratio
2.767
Quick ratio
2.608
Long term debt to equity
48.397
Total debt to equity
49.113
Interest coverage (TTM)
3.11%
Profitability
EBITDA (TTM)
64.826
Gross margin (TTM)
62.54%
Net profit margin (TTM)
5.81%
Operating margin (TTM)
3.42%
Effective tax rate (TTM)
-41.32%
Revenue per employee (TTM)
$330,000
Management effectiveness
Return on assets (TTM)
1.04%
Return on equity (TTM)
4.99%
Valuation
Price to earnings (TTM)
312.272
Price to revenue (TTM)
17.637
Price to book
14.64
Price to tangible book (TTM)
20.3
Price to free cash flow (TTM)
75.632
Free cash flow yield (TTM)
1.32%
Free cash flow per share (TTM)
3.344
Growth
Revenue change (TTM)
22.64%
Earnings per share change (TTM)
-1,192.19%
3-year revenue growth (CAGR)
13.95%
10-year revenue growth (CAGR)
12.19%
3-year earnings per share growth (CAGR)
-27.88%
10-year earnings per share growth (CAGR)
19.19%
What the Analysts think about GWRE
Analyst ratings (Buy, Hold, Sell) for Guidewire Software stock.
Bulls say / Bears say
The company posted record Q3 FY25 results, with adjusted EPS of $0.88 (up 238% YoY) and $293.5 million in revenue (up 22% YoY), surpassing analyst forecasts and causing its stock to jump 18%.
Guidewire secured a record 17 cloud deals in fiscal Q3, raising annual recurring revenue to $960 million and underscoring the accelerating shift of insurers to its cloud platform.
The company aims to double its India workforce to 1,000 by 2028, boosting its global professional services resources and enhancing support for cloud implementations.
In Q2 FY25, Guidewire’s non-GAAP EPS was $0.51, just below the consensus estimate of $0.52, pointing to possible margin pressures from ongoing investments in cloud migration.
Guidewire retired $100 million in convertible notes in December 2024, incurring a $53.3 million debt retirement cost. This, along with other spending, led to a roughly $169 million decrease in cash reserves from Q2 to Q3 FY25.
License revenue rose only 2% YoY in Q3 FY25, significantly slower than the 32% growth in subscriptions, highlighting lagging adoption of on-premises and professional services offerings.
Data summarised monthly by Lightyear AI. Last updated on 30 Aug 2025.
GWRE Financial Performance
Revenues and expenses
GWRE Earnings Performance
Company profitability
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FAQs
What’s the current market cap for Guidewire Software stock?
Guidewire Software (GWRE) has a market cap of $21B as of September 14, 2025.
What is the P/E ratio for Guidewire Software stock?
The price to earnings (P/E) ratio for Guidewire Software (GWRE) stock is 312.27 as of September 14, 2025.
Does Guidewire Software stock pay dividends?
No, Guidewire Software (GWRE) stock does not pay dividends to its shareholders as of September 14, 2025.
When is the next Guidewire Software dividend payment date?
Guidewire Software (GWRE) stock does not pay dividends to its shareholders.
What is the beta indicator for Guidewire Software?
Guidewire Software (GWRE) has a beta rating of 1.22. This means that it is more volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 2 would indicate the stock moves twice as much as the market.