Guidewire Software, Inc.
Rank #160HypergrowthGWRE · NYSE · Technology
Guidewire Software, Inc. (GWRE) — Rank #160 by gross profitability (GP/assets 0.37) · ROE 11.7% · Piotroski F-Score N/A.
As-of 2026-09-15 · CIK 0001528396 · all metrics point-in-time as of the filing date.
About
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.
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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.
- Industry
- Software - Application
- Sector
- Technology
- State
- DE
- Filer Category
- Large accelerated filer
- Fiscal Year End
- July 31
- Website
- guidewire.com
Price History
Company Snapshot
P/S is the primary valuation lens — earnings are reinvested, not available for P/E.
Market Cap
$12.56B
P/E (annual)
92.5
P/S (annual)
8.5
P/B
10.5
P/OCF (annual)
32.2
Shareholder Yield
-9.9%
Employees
4,174
Industry
Software - Application
Exchange
NYSE
Signal Flags
Quality Profile
Profitability
1/1 passSafety
1/1 passCash Flow
3/3 passGrowth
1/2 passTerry Smith quality gate
Passes 2/5 Terry Smith thresholdsWhat Growth Is Priced In
Implied revenue growth (10Y)
15.0%
The annual FCF growth rate today's price requires over a 10-year horizon (discount rate 10%, terminal growth 2.5%).
Dilution drag: 9.9% — per-share value needs a total required return of 24.9% once share-count change is priced in.
vs. own 6-year median revenue growth: 14.0%
within its own historyCost-of-equity sensitivity (implied growth at different discount rates)
r = 8%
10.2%
r = 10% (base)
15.0%
r = 12%
19.1%
Valuation History
Current multiple vs historical range at each filing date. Band spans 25th-75th percentile.
P / E
Price / diluted EPS
P / S
Price / revenue per share
P / B
Price / book value per share
P / GP
Price / gross profit per share
P / FCF
Price / free cash flow per share
Revenue growth and the path to profitability (margin trend) are the primary reads at this stage.
Profitability
Gross profitability (GP / assets)
0.37
Primary signal (Novy-Marx).
49th pctl of 38 SIC 7372 peers
Return on equity
11.7%
Gross margin
64.2%
35th pctl of 38 SIC 7372 peers
Revenue growth (YoY)
126.0%
Gross margin improving
Margin trend vs prior year.
Operating Leverage
| 2016 | 2017 | 2018 | 2019 | |
|---|---|---|---|---|
| Revenue vs COGS | ||||
| Revenue vs OpEx | ||||
| Op. Income vs Revenue |
Anti-fragile safety
Balance-sheet safety
Composite anti-fragile check.
Debt / equity
1.16
19th pctl of 33 SIC 7372 peers (best = lowest)
Current ratio
1.79×
46th pctl of 38 SIC 7372 peers
Quick ratio
1.42×
Net cash
—
Cash & equivalents minus total debt.
Cash-flow health
Free cash flow
$377.66M
Operating cash flow minus capex.
Positive free cash flow
FCF / net income
1.71
Cash-backing of earnings.
FCF/NI divergence
Unfavorable divergence (yellow flag).
Accruals healthy
Cash-backed earnings.
SBC / revenue
12.3%
Stock-based comp intensity.
Piotroski F-Score
F-Score
N/A
Only 8/9 components determinable.
Lifecycle Phase History
Lynch sell alert: Fast grower deceleration
Revenue growth decelerated to 10.2% after being classified hypergrowth as of 2018-07-31 -- Lynch's fast-grower rule: sell once growth slows below the pace that justified the label, not on price weakness.