Guidewire Software/$GWRE
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
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
- 4,174
- Headquarters
- San Mateo, United States
- Website
- www.guidewire.com
GWRE Metrics
BasicAdvanced
$13B
99.75
$1.63
1.03
-
Price and volume
Market cap
$13B
Beta
1.03
52-week high
$239.40
52-week low
$102.30
Average daily volume
1.2M
Financial strength
Current ratio
1.786
Quick ratio
1.673
Long term debt to equity
0.589
Total debt to equity
0.589
Interest coverage (TTM)
11.25%
Profitability
EBITDA (TTM)
177.826
Gross margin (TTM)
64.21%
Net profit margin (TTM)
9.44%
Operating margin (TTM)
10.16%
Effective tax rate (TTM)
15.13%
Revenue per employee (TTM)
$350,000
Management effectiveness
Return on assets (TTM)
3.54%
Return on equity (TTM)
10.51%
Valuation
Price to earnings (TTM)
99.748
Price to revenue (TTM)
9.278
Price to book
11.29
Price to tangible book (TTM)
17.68
Price to free cash flow (TTM)
38.164
Free cash flow yield (TTM)
2.62%
Free cash flow per share (TTM)
4.26
Growth
Revenue change (TTM)
22.70%
Earnings per share change (TTM)
101.23%
3-year revenue growth (CAGR)
17.68%
10-year revenue growth (CAGR)
13.27%
3-year earnings per share growth (CAGR)
6.19%
10-year earnings per share growth (CAGR)
23.34%
What the Analysts think about GWRE
Analyst ratings (Buy, Hold, Sell) for Guidewire Software stock.
Analyst projections of the future price of Guidewire Software stock.
Bulls say / Bears say
Cloud conversion is translating into strong recurring growth and improving profits: FY2026 ARR rose 19%, subscription and support revenue grew 33%, and operating income increased sharply. Management expects another year of growth, with FY2027 subscription and support revenue forecast to rise 28% at the midpoint. (Guidewire Software)
Large insurers are still committing to migrations and expansions, supporting future contracted revenue. Guidewire reported 62 core cloud deals in FY2026, including a multiyear agreement for Nationwide to move its full InsuranceSuite estate to the cloud; fully ramped ARR grew 22%. (The Motley Fool)
New products could increase revenue from existing customers beyond core-system migrations. Finland’s largest insurer, Pohjola, selected PricingCenter to complement its existing PolicyCenter deployment, showing customer uptake of a further product in Guidewire’s suite. (Guidewire)
ARR growth is expected to ease: Guidewire’s FY2027 forecast implies about 18% growth at the midpoint, below FY2026’s 19%. Management also expects attrition to return towards normal after unusually low churn boosted growth last year. (Guidewire Software)
The cloud shift is weighing on legacy revenue as customers move from term licences to subscriptions. Licence revenue fell 7% in FY2026, and Guidewire expects it to decline by a further $46 million in FY2027, partly offset by subscription growth. (The Motley Fool)
Large cloud migrations remain difficult to deliver. ISG says many insurers have heavily customised legacy systems, technical debt and fragile integrations, while data conversion and undocumented dependencies can disrupt core operations—creating risks to project timing and execution. (Information Services Group)
Data summarised monthly by Lightyear AI. Last updated on 28 Oct 2026.
GWRE Financial Performance
Revenues and expenses
GWRE Earnings Performance
Company profitability
Upcoming events
No upcoming events
GWRE News
AllArticlesVideos
Funds containing GWRE
AllUSDEURGBP
Fund name | Fund size | $GWRE weighting |
|---|---|---|
VanEck Morningstar Wide Moat$MOAT | $396M | 1.43% |
VanEck Morningstar Wide Moat€GMVM | $376M | 1.41% |
VanEck Morningstar Wide Moat£MOGB | $376M | 1.41% |
iShares Digitalisation$DGTL | $761M | 0.53% |
iShares Digitalisation£DGIT | $813M | 0.53% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.