Guidewire Software, Inc.

Guidewire Software, Inc.

GWREยทNYSE

$155.01

-4.7%
TechnologySoftware - Application

Guidewire Software, Inc. provides software products for property and casualty insurers worldwide. The company offers Guidewire InsuranceSuite comprising Guidewire PolicyCenter, BillingCenter, and ClaimCenter applications. It also provides Guidewire InsuranceNow, a cloud-based platform that offers policy, billing, and claims management functionality to insurers; and Guidewire InsuranceSuite for Self-Managed. In addition, the company offers Guidewire Rating Management to manage the pricing of insurance products; Guidewire Reinsurance Management to use rules-based logic to execute reinsurance strategy through underwriting and claims processes; Guidewire Client Data Management to capitalize on customer information; and Guidewire Product Content Management that offers software tools and standards-based line-of-business templates to introduce and modify products. Further, it provides Guidewire Underwriting Management, a cloud-based integrated business application; Guidewire AppReader, a submission intake management solution; Guidewire ClaimCenter Package for the London market supports the claims workflow used by London Market insurers and brokers; Guidewire Digital Engagement Applications, which enable insurers to provide digital experiences to customers, agents, vendors, and field personnel through their device of choice; and Guidewire for Salesforce to provide customer information regarding policies and claims. Additionally, the company offers Guidewire Predictive Analytics, a set of cloud-native applications; Guidewire Risk Insights that allows insurers to assess new and evolving risks; Guidewire Business Intelligence that allows insurers to measure business performance; Guidewire DataHub, an operational data store; and Guidewire InfoCenter, a business intelligence warehouse, as well as implementation and integration, and professional services. The company was founded in 2001 and is headquartered in San Mateo, California.

At a Glance

Live Snapshot
Market Cap$13.18B
EPS0.8300
P/E Ratio186.76
Earnings Date06/04/2026
3Y+48.0%
5Y+62.0%
10Y+183.0%
3Y-139.0%
5Y-357.0%
10Y+366.0%
3Y-893.0%
5Y+166.0%
10Y+201.0%
Guidewire Software, Inc.

Guidewire Software, Inc. Profit Bridge

GWRE ยท NYSE
Revenue1.20B
Cost of Goods Sold (450.41M)
Gross Profit752.05M
Operating Expenses (710.99M)
Operating Income41.07M
Interest Expense (13.21M)
Other Income/Expense8.33M
Pretax Income49.40M
Income Tax (-20.41M)
Net Income69.80M
Net Income
69.80M

Profitability Analysis

Gross Margin

62.5%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

3.4%

Minimal operating profit suggests high operating costs or pricing challenges. Scalability is concerning.

Net Profit Margin

5.8%

Moderate profitability with room for improvement. Monitor interest expenses and tax efficiency.

Effective Tax Rate

-41.3%

Below-average tax rate suggests effective tax planning, favorable jurisdictions, or tax credits.

Profitability Insight

Margin squeeze alert: Healthy gross margins but weak operating margins suggest excessive operating expenses. Cost optimization could unlock significant value.

Guidewire Software, Inc. Income Statement

GWRE โ€ข NYSE

Guidewire Software, Inc. Income StatementJul 2025Jul 2024Jul 2023Jul 2022Jul 2021Jul 2020Jul 2019Jul 2018Jul 2017Jul 2016Jul 2015Jul 2014Jul 2013Jul 2012Jul 2011Jul 2010Jul 2009Jul 2008
REVENUE
1.2B
980.5M
905.3M
812.6M
743.3M
742.3M
719.5M
661.1M
514.3M
424.4M
380.5M
350.2M
300.6M
232.1M
172.5M
144.7M
84.7M
70.7M
GROSS PROFIT
(450.4M)
(397.1M)
(447.1M)
(435.4M)
(353.7M)
(338M)
(324.4M)
(296.8M)
(191.6M)
(151.8M)
(147.2M)
(148.9M)
(125.7M)
(90M)
(68.3M)
(55.5M)
(41.7M)
(42.4M)
752.1M
583.4M
458.2M
377.2M
389.6M
404.3M
395.2M
356.1M
318M
272.6M
233.4M
201.3M
175M
142.1M
104.1M
89.2M
43.1M
28.2M
OPERATING INCOME
(711M)
(635.9M)
(607.7M)
(576.6M)
(495.1M)
(428.2M)
(393.7M)
(371.7M)
(296.1M)
(256.2M)
(216.9M)
(182.9M)
(145.3M)
(113.1M)
(97.3M)
(71.2M)
(53.6M)
(45.4M)
(414.8M)
(366.6M)
(358M)
(347.4M)
(293.7M)
(227.6M)
(205.2M)
(200M)
(165.8M)
(143.7M)
(123.4M)
(106.7M)
(82.3M)
(64.1M)
(52.5M)
(42.9M)
(31.2M)
(24.2M)
(296.2M)
(269.4M)
(249.7M)
(229.2M)
(201.5M)
(200.6M)
(188.5M)
(171.7M)
(130.3M)
(112.5M)
(93.4M)
(76.2M)
(63M)
(49.1M)
(34.8M)
(28.3M)
(22.4M)
(21.2M)
41.1M
-52.6M
-149.5M
-199.4M
-105.6M
-23.9M
1.5M
-7.3M
26.6M
16.4M
16.5M
18.4M
16.8M
23.6M
6.9M
18M
-10.5M
-17.2M
PRE-TAX INCOME
(13.2M)
(6.7M)
(6.7M)
(19.4M)
(18.7M)
(17.9M)
(17.3M)
(6.4M)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
43.4M
36.7M
17.7M
-13.2M
-11.3M
6.8M
12.8M
6.8M
5.9M
4.9M
2.2M
1.4M
498K
308K
156K
95K
27K
443K
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(10M)
(0.0)
(0.0)
(0.0)
8.3M
25.7M
15.4M
-30.3M
1.3M
-445K
11M
7.3M
6.7M
4.3M
247K
1.5M
384K
-418K
1.4M
-296K
-96K
443K
49.4M
-26.8M
-134.1M
-229.7M
-104.3M
-24.3M
12.5M
18K
33.3M
20.8M
16.7M
19.9M
17.2M
23.2M
8.3M
17.7M
-10.6M
-16.7M
NET INCOME
-20.4M
-20.7M
-22.2M
-49.3M
-37.8M
(2.9M)
-8.3M
(18.5M)
(12.1M)
(5.8M)
(6.9M)
(5.2M)
(1.8M)
(8M)
-27.3M
(2.2M)
(398K)
(148K)
69.8M
-6.1M
-111.9M
-180.4M
-66.5M
-27.2M
20.7M
-19.7M
21.2M
15M
9.9M
14.7M
15.4M
15.2M
35.6M
15.5M
-11M
-16.9M

SEC Filings

GWRE - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
10-Q

10-Q 2026 Q1

Q1

March 06, 2026
January 31, 2026
2026
8-K

8-K 2026

N/A

March 05, 2026
March 05, 2026
2026
8-K

8-K 2026

N/A

January 08, 2026
January 08, 2026
2026
8-K

8-K 2025

N/A

December 18, 2025
December 15, 2025
2025
10-Q

10-Q 2025 Q4

Q4

December 04, 2025
October 31, 2025
2025
8-K

8-K 2025

N/A

December 03, 2025
December 03, 2025
2025
DEF 14A

DEF 14A 2025

N/A

October 30, 2025
December 15, 2025
2025
10-K

10-K 2025 FY

FY

September 11, 2025
July 31, 2025
2025
8-K

8-K 2025

N/A

September 04, 2025
September 04, 2025
2025
8-K

8-K 2025

N/A

July 29, 2025
July 24, 2025
2025
Showing 1 to 10 of 209 filings