Guidewire Software, Inc. logo

Guidewire Software, Inc.

GWRE

NYSETechnologySoftware - Application

Latest quote

$189.07

+$7.40 · +4.07%

Aug 21, 3:55 PM ET

GWRE company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

64

Undervalued

Momentum

39

Weakening

Sentiment

57

Mixed

Risk resilience

37

High Risk

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Company profile

Company website

Guidewire Software, Inc. is a global supplier of software solutions tailored for the property and casualty insurance industry. Its primary offering is Guidewire InsuranceSuite, a comprehensive platform that incorporates core applications like PolicyCenter, BillingCenter, and ClaimCenter. The company also furnishes Guidewire InsuranceNow, a cloud-native platform providing integrated policy, billing, and claims administration for insurers, alongside a self-managed version of the InsuranceSuite. Guidewire's product portfolio extends to specialized management tools, including Rating Management for accurate insurance product pricing, Reinsurance Management for executing rules-based reinsurance strategies throughout underwriting and claims processes, Client Data Management for effective utilization of customer information, and Product Content Management, which provides software tools and standardized templates to streamline the introduction and modification of insurance products. Further innovative solutions encompass Guidewire Underwriting Management, a cloud-based business application; AppReader, designed for efficient submission intake; a specialized Guidewire ClaimCenter Package that supports the unique claims workflows of the London Market; Digital Engagement Applications enabling insurers to deliver seamless digital experiences to customers, agents, and vendors across various devices; and Guidewire for Salesforce, which integrates crucial customer policy and claims data. Additionally, the company provides a robust data and analytics suite, featuring cloud-native Predictive Analytics applications, Risk Insights to help insurers evaluate emerging risks, Business Intelligence tools for performance measurement, DataHub as an operational data store, and InfoCenter for business intelligence warehousing. Guidewire also offers extensive implementation, integration, and professional services to support its clients. Established in 2001, Guidewire Software, Inc. maintains its corporate headquarters in San Mateo, California.

Industry
Software - Application
Sector
Technology
Headquarters
US
CEO
Michael George Rosenbaum
Listed since
Jan 25, 2012
Employees
4,049

Market position

Volume
999.74K
0.67× average
Average volume
1.49M
Average daily volume
Market cap
15.75B USD
Beta
0.93
Market reference 1

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
18.98B USD
P/E (TTM)
100.1×
P/B (TTM)
12.16×
P/S (TTM)
11.09×
EV / EBITDA
219.82×
Earnings yield
0.37%
Free cash flow yield
1.56%
Dividend yield
0.00%

Profitability & efficiency

Gross margin
64.01%
Operating margin
8.28%
Net margin
11.25%
Return on equity
4.79%
Return on assets
2.57%
Return on invested capital
1.88%

Financial health

Debt / equity
0.53×
Current ratio
2.77×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends71%36%2%-33%Gross margin, FY2021: 52.41%Gross margin, FY2022: 46.42%Gross margin, FY2023: 50.61%Gross margin, FY2024: 59.50%Gross margin, FY2025: 62.54%Operating margin, FY2021: -14.21%Operating margin, FY2022: -24.54%Operating margin, FY2023: -16.51%Operating margin, FY2024: -5.36%Operating margin, FY2025: 3.42%Net margin, FY2021: -8.95%Net margin, FY2022: -22.20%Net margin, FY2023: -12.36%Net margin, FY2024: -0.62%Net margin, FY2025: 5.81%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 52.41%. Gross margin FY2022 46.42%. Gross margin FY2023 50.61%. Gross margin FY2024 59.50%. Gross margin FY2025 62.54%. Operating margin FY2021 -14.21%. Operating margin FY2022 -24.54%. Operating margin FY2023 -16.51%. Operating margin FY2024 -5.36%. Operating margin FY2025 3.42%. Net margin FY2021 -8.95%. Net margin FY2022 -22.20%. Net margin FY2023 -12.36%. Net margin FY2024 -0.62%. Net margin FY2025 5.81%.

Income trends

Revenue

1.2B USD+22.64%

Operating income

41.07M USD+93.64M USD

Net income

69.8M USD+75.91M USD
Income trends across reported periods1.34B USD781.89M USD221.12M USD−339.64M USDRevenue, FY2021: 743.27M USDRevenue, FY2022: 812.61M USDRevenue, FY2023: 905.34M USDRevenue, FY2024: 980.5M USDRevenue, FY2025: 1.2B USDOperating income, FY2021: −105.58M USDOperating income, FY2022: −199.45M USDOperating income, FY2023: −149.49M USDOperating income, FY2024: −52.57M USDOperating income, FY2025: 41.07M USDNet income, FY2021: −66.51M USDNet income, FY2022: −180.43M USDNet income, FY2023: −111.86M USDNet income, FY2024: −6.1M USDNet income, FY2025: 69.8M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 743.27M USD. Revenue FY2022 812.61M USD. Revenue FY2023 905.34M USD. Revenue FY2024 980.5M USD. Revenue FY2025 1.2B USD. Operating income FY2021 −105.58M USD. Operating income FY2022 −199.45M USD. Operating income FY2023 −149.49M USD. Operating income FY2024 −52.57M USD. Operating income FY2025 41.07M USD. Net income FY2021 −66.51M USD. Net income FY2022 −180.43M USD. Net income FY2023 −111.86M USD. Net income FY2024 −6.1M USD. Net income FY2025 69.8M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue1.2B USD980.5M USD905.34M USD812.61M USD743.27M USD
Cost of goods sold450.41M USD397.14M USD447.13M USD435.44M USD353.71M USD
Gross profit752.05M USD583.36M USD458.21M USD377.18M USD389.56M USD
Research and development296.16M USD269.38M USD249.75M USD229.23M USD201.47M USD
Selling, general, and administrative414.83M USD366.55M USD357.96M USD347.39M USD293.68M USD
Operating expenses710.99M USD635.93M USD607.7M USD576.62M USD495.14M USD
Interest income56.63M USD43.48M USD24.39M USD6.28M USD7.4M USD
Interest expense13.21M USD6.74M USD6.72M USD19.45M USD18.71M USD
Depreciation and amortization23.76M USD22.31M USD24.84M USD33.54M USD36.96M USD
Operating income41.07M USD−52.57M USD−149.49M USD−199.45M USD−105.58M USD
Net income69.8M USD−6.1M USD−111.86M USD−180.43M USD−66.51M USD

Company facts updated Aug 24, 2026.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Rating distribution

26 ratings
Strong buy00%
Buy1973%
Hold623%
Sell14%
Strong sell00%

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