Guidewire Software, Inc. (GWRE)
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, and billing functionality, plus pre-integrated document production, analytics, and other capabilities. In addition, it offers Guidewire Rating Management to manage the pricing of insurance services and products; Guidewire Reinsurance Management to use rules-based logic to execute reinsurance strategy through underwriting and claims processes; Guidewire Client Data Management that helps P&C insurers to capitalize on customer information; Guidewire Advanced Product Designer, a cloud-native application for insurance product design and management; Guidewire Product Content Management provides software tools and standards-based, line-of-business templates; and Guidewire ProNavigator, an AI-powered intelligent assistant. Further, the company provides Guidewire Digital Engagement Applications, which enable insurers to provide digital experiences; Guidewire HazardHub that allows insurers to understand, assess, price, and manage property risk; Guidewire Predict, a P&C-specific machine-learning platform; Guidewire Data Studio, Guidewire Canvas, Guidewire Compare, Guidewire industry Intel, and Guidewire Explore, an cloud-native applications; Guidewire Cyence, a cyber-risk economic modeling product; Guidewire DataHub, an operational data store; and Guidewire InfoCenter, a business intelligence warehouse for P&C insurers. The company was incorporated in 2001 and is headquartered in San Mateo, California.
- Ticker
- GWRE
- Exchange
- NYSE
- Sector
- Technology
- Industry
- Software - Application
- Market cap
- $13.23B
- 52-week range
- $102.30 - $229.85
Valuation
- Share price
- $161.41 (close of Nov 6, 2026)
- P/E (TTM)
- 97.82x
- Price to book
- 11.09x
- Price to free cash flow
- 35.04x
- Enterprise value
- $13.20B
- Book value per share
- $14.56
Price performance
| Period | Change |
|---|---|
| 1 day | -3.55% |
| 5 days | -0.73% |
| 1 month | -1.89% |
| 3 months | +0.86% |
| 6 months | +23.13% |
| Year to date | -19.70% |
| 1 year | -25.04% |
| 3 years | +78.75% |
| 5 years | +28.44% |
| 10 years | +184.02% |
| All time | +842.82% |
Short interest
- As of
- Oct 15, 2026
- Short % of float
- 5.17%
- Shares short
- 3.84M
- Days to cover
- 3.08
- Change since prior report
- +32.85%
- Source
- FINRA consolidated short interest
Members of Congress who disclosed GWRE trades
Lisa McClain · Robert Bresnahan
Super investors holding GWRE
Bryan Lawrence (Oakcliff Capital Partners, LP) · Ken Griffin (Citadel)
Profitability and growth
- Return on equity
- 11.67%
- Return on invested capital
- 6.55%
- Return on assets
- 5.40%
- Return on capital employed
- 7.84%
- Gross margin
- 64.21%
- Net margin
- 9.44%
- EBITDA margin
- 12.05%
- Revenue growth
- 22.70%
- Net income growth
- 99.53%
- Free cash flow growth
- 27.97%
Cash flow and balance sheet
- Free cash flow yield (TTM)
- 2.85%
- Current ratio
- 1.79x
- Net debt to EBITDA
- -0.19x
Latest reported year
- Period end
- Jul 31, 2026
- Fiscal year
- 2026
- Revenue
- $1.48B
- Cost of revenue
- $528.00M
- Gross profit
- $947.37M
- EBITDA
- $177.83M
- Net income
- $139.28M
- Earnings per share
- $1.65
- Research and development
- $340.10M
- Interest expense
- $13.32M
- Shares outstanding
- 84.19M
Income statement by year
| Period end | Revenue | Gross profit | Net income | EPS |
|---|---|---|---|---|
| 2026-07-31 | $1.48B | $947.37M | $139.28M | $1.65 |
| 2025-07-31 | $1.20B | $752.05M | $69.80M | $0.83 |
| 2024-07-31 | $980.50M | $583.36M | -$6.10M | -$0.07 |
| 2023-07-31 | $905.34M | $458.21M | -$111.86M | -$1.36 |
| 2022-07-31 | $812.61M | $377.18M | -$180.43M | -$2.16 |
| 2021-07-31 | $743.27M | $389.56M | -$66.51M | -$0.79 |
| 2020-07-31 | $742.31M | $404.29M | -$27.20M | -$0.33 |
| 2019-07-31 | $719.51M | $395.16M | $20.73M | $0.25 |
| 2018-07-31 | $652.85M | $356.07M | -$26.74M | -$0.34 |
| 2017-07-31 | $509.53M | $317.97M | $18.07M | $0.24 |
Margins and returns by year
| Period end | Gross margin | Net margin | Return on equity | Return on capital |
|---|---|---|---|---|
| 2026-07-31 | 64.21% | 9.44% | 11.67% | 6.55% |
| 2025-07-31 | 62.54% | 5.81% | 4.79% | 1.89% |
| 2024-07-31 | 59.50% | -0.62% | -0.45% | -1.78% |
| 2023-07-31 | 50.61% | -12.36% | -9.33% | -7.72% |
| 2022-07-31 | 46.42% | -22.20% | -12.43% | -7.79% |
| 2021-07-31 | 52.41% | -8.95% | -4.30% | -3.36% |
| 2020-07-31 | 54.46% | -3.66% | -1.64% | -1.13% |
| 2019-07-31 | 54.92% | 2.88% | 1.32% | 0.08% |
| 2018-07-31 | 54.54% | -4.10% | -1.89% | -0.91% |
| 2017-07-31 | 62.40% | 3.55% | 2.03% | 1.28% |
Cash and debt by year
| Period end | Cash | Debt |
|---|---|---|
| 2026-07-31 | $753.06M | $678.09M |
| 2025-07-31 | $1.15B | $674.57M |
| 2024-07-31 | $1.00B | $398.90M |
| 2023-07-31 | $798.68M | $397.17M |
| 2022-07-31 | $976.17M | $358.22M |
| 2021-07-31 | $1.12B | $343.82M |
| 2020-07-31 | $1.13B | $330.21M |
| 2019-07-31 | $1.12B | $317.32M |
| 2018-07-31 | $1.07B | $305.13M |
| 2017-07-31 | $573.20M | - |
Free cash flow by year
| Period end | Free cash flow | Stock-based compensation |
|---|---|---|
| 2026-07-31 | $377.66M | $181.80M |
| 2025-07-31 | $295.13M | $161.56M |
| 2024-07-31 | $189.39M | $146.46M |
| 2023-07-31 | $32.57M | $142.84M |
| 2022-07-31 | -$47.45M | $137.01M |
| 2021-07-31 | $92.58M | $115.01M |
| 2020-07-31 | $91.69M | $101.82M |
| 2019-07-31 | $71.20M | $91.52M |
| 2018-07-31 | $131.06M | $89.61M |
| 2017-07-31 | $132.87M | $71.79M |
Investor relations
Next earnings report
- Next confirmed report
- Dec 2, 2026
- Consensus EPS estimate
- $0.36
Past earnings dates
| Reported | Fiscal period | EPS estimate |
|---|---|---|
| 2026-09-03 | Jul 2026 | $0.49 |
| 2026-06-04 | Apr 2026 | $0.35 |
| 2026-03-05 | Jan 2026 | $0.33 |
| 2025-12-03 | Oct 2025 | $0.23 |
| 2025-09-04 | Jul 2025 | $0.22 |
| 2025-06-03 | Apr 2025 | $0.09 |
| 2025-03-06 | Jan 2025 | $0.15 |
| 2024-12-05 | Oct 2024 | -$0.04 |
Filings and sources
- Company website
- guidewire.com
- SEC filings
- 10-K, 10-Q and 8-K on EDGAR
- Earnings calendar
- All upcoming reports
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Understanding these figures
Price-to-earnings ratio · Short interest · Discounted cash flow · Free cash flow · Earnings per share · Return on equity · Gross margin vs net margin · Reading a balance sheet · Debt and leverage · Dividend yield · Insider transactions and Form 4 · How to read a stock chart
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