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Technology - Software - Application - NYSE - US
$ 175.36
0.637 %
$ 14.7 B
Market Cap
-922.95
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one GWRE stock under the worst case scenario is HIDDEN Compared to the current market price of 175 USD, Guidewire Software, Inc. is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one GWRE stock under the base case scenario is HIDDEN Compared to the current market price of 175 USD, Guidewire Software, Inc. is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one GWRE stock under the best case scenario is HIDDEN Compared to the current market price of 175 USD, Guidewire Software, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart GWRE

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$220.0$220.0$210.0$210.0$200.0$200.0$190.0$190.0$180.0$180.0$170.0$170.0$160.0$160.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
980 M REVENUE
8.30%
-52.6 M OPERATING INCOME
64.83%
-6.1 M NET INCOME
94.54%
196 M OPERATING CASH FLOW
409.83%
-52.4 M INVESTING CASH FLOW
-411.89%
1.06 M FINANCING CASH FLOW
100.40%
289 M REVENUE
10.11%
11.7 M OPERATING INCOME
348.37%
-37.3 M NET INCOME
-407.89%
86 M OPERATING CASH FLOW
238.02%
-52.9 M INVESTING CASH FLOW
31.81%
-156 M FINANCING CASH FLOW
-37.45%
Balance Sheet Guidewire Software, Inc.
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Current Assets 1.3 B
Cash & Short-Term Investments 1 B
Receivables 242 M
Other Current Assets 49.8 M
Non-Current Assets 931 M
Long-Term Investments 148 M
PP&E 99.2 M
Other Non-Current Assets 683 M
45.08 %10.88 %6.66 %4.45 %30.69 %Total Assets$2.2b
Current Liabilities 838 M
Accounts Payable 15.2 M
Short-Term Debt 408 M
Other Current Liabilities 414 M
Non-Current Liabilities 45.9 M
Long-Term Debt 34.7 M
Other Non-Current Liabilities 11.2 M
46.20 %46.88 %3.93 %Total Liabilities$883.6m
EFFICIENCY
Earnings Waterfall Guidewire Software, Inc.
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Revenue 980 M
Cost Of Revenue 397 M
Gross Profit 583 M
Operating Expenses 636 M
Operating Income -52.6 M
Other Expenses -46.5 M
Net Income -6.1 M
1b1b800m800m600m600m400m400m200m200m00(200m)(200m)980m(397m)583m(636m)(53m)46m(6m)RevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
59.50% GROSS MARGIN
59.50%
-5.36% OPERATING MARGIN
-5.36%
-0.62% NET MARGIN
-0.62%
-0.45% ROE
-0.45%
-0.27% ROA
-0.27%
-0.67% ROIC
-0.67%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Guidewire Software, Inc.
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200m200m150m150m100m100m50m50m00(50m)(50m)(100m)(100m)20162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income -6.1 M
Depreciation & Amortization 22.3 M
Capital Expenditures -18.5 M
Stock-Based Compensation 146 M
Change in Working Capital 60.1 M
Others 58.6 M
Free Cash Flow 177 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Guidewire Software, Inc.
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Wall Street analysts predict an average 1-year price target for GWRE of $170 , with forecasts ranging from a low of $130 to a high of $250 .
GWRE Lowest Price Target Wall Street Target
130 USD -25.87%
GWRE Average Price Target Wall Street Target
170 USD -3.18%
GWRE Highest Price Target Wall Street Target
250 USD 42.56%
Price
Max Price Target
Min Price Target
Average Price Target
260260240240220220200200180180160160140140120120100100May '24May '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
5. COMPETITION
slide 2 of 11
6. Ownership
Insider Ownership Guidewire Software, Inc.
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Sold
0-3 MONTHS
8.96 M USD 6
3-6 MONTHS
5.14 M USD 5
6-9 MONTHS
10.2 M USD 4
9-12 MONTHS
2.86 M USD 4
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
GWRE Unveils Mammoth to Transform Insurance Management: Stock to Gain? Guidewire's newest launch, Mammoth, is set to empower insurers with speed, agility and smart decision-making. zacks.com - 1 week ago
Guidewire Mammoth Release Builds on Momentum of Advancing Insurance Operations, Enhancing Agility, and Elevating Customer Experience SAN MATEO, Calif.--(BUSINESS WIRE)---- $GWRE #Agility--Guidewire unveils Mammoth, its latest release, to help insurers adapt to market changes and enhance underwriting with predictive analytics. businesswire.com - 2 weeks ago
HDI Global Insurance Company Selects Guidewire for Policy Administration and Underwriting CHICAGO & SAN MATEO, Calif.--(BUSINESS WIRE)---- $GWRE #GuidewireCloud--HDI Global Insurance Company selected Guidewire PolicyCenter as its new system for policy administration and underwriting. businesswire.com - 3 weeks ago
Guidewire Rises 17% YTD: Where Will the Stock Head From Here? GWRE's performance gains from strengthening momentum in the cloud platform. However, higher costs amid weak macroeconomic conditions are a concern. zacks.com - 3 weeks ago
Guidewire Outlines Vision That Offers Competitive Advantages for Global Insurers at the Guidewire Insurance Forum in Paris PARIS--(BUSINESS WIRE)---- $GWRE #AI--Guidewire held its annual European Insurance Forum on 25 March in Paris, where it outlined its vision, offering competitive advantages for attendees. businesswire.com - 3 weeks ago
If Implements Guidewire InsuranceSuite to Transform Core Systems COPENHAGEN, Denmark--(BUSINESS WIRE)--Guidewire (NYSE: GWRE) today announced that If Skadeförsäkring (If), the leading property and casualty insurer in the Nordic region, has successfully made a first business release in Guidewire InsuranceSuite on Guidewire Cloud Platform (GWCP). The newly created platform will enhance the If partner-related automotive business, by providing a future-proof system allowing the business to adapt to changing market demands. As If progresses with the implementatio. businesswire.com - 1 month ago
Market Overreacts, But Guidewire's Growth Story Remains Strong If any stock should be bucking the general trend in early March and moving higher, it is Guidewire NYSE: GWRE. The company's Q2 results are tepid relative to the consensus ahead of the release, but the bar was set high: the company is growing, earnings quality improved, and guidance was raised. marketbeat.com - 1 month ago
Is Guidewire Software (GWRE) Stock Outpacing Its Computer and Technology Peers This Year? Here is how Guidewire Software (GWRE) and GitLab Inc. (GTLB) have performed compared to their sector so far this year. zacks.com - 1 month ago
Guidewire's Q2 Earnings Miss Estimates, Revenues Increase Y/Y GWRE's fiscal second-quarter performance benefits from higher subscription and support revenues. zacks.com - 1 month ago
Guidewire Software, Inc. (GWRE) Q2 2025 Earnings Call Transcript Guidewire Software, Inc. (NYSE:GWRE ) Q2 2025 Results Conference Call March 6, 2025 5:00 PM ET Company Participants Alex Hughes - Vice President of Investor Relations Mike Rosenbaum - Chief Executive Officer Jeff Cooper - Chief Financial Officer Conference Call Participants Dylan Becker - William Blair Ken Wong - Oppenheimer Alexei Gogolev - JPMorgan Rishi Jaluria - RBC Capital Markets Alex Sklar - Raymond James Adam Hotchkiss - Goldman Sachs Parker Lane - Stifel Aaron Kimson - JMP Securities Joe Vruwink - Baird Richard Poland - Wells Fargo Michael Funk - Bank of America Operator Greetings, and welcome to the Guidewire Second Quarter of Fiscal 2025 Financial Results Conference Call. As a reminder, this call is being recorded and will be posted on our Investor Relations page later today. seekingalpha.com - 1 month ago
Compared to Estimates, Guidewire Software (GWRE) Q2 Earnings: A Look at Key Metrics Although the revenue and EPS for Guidewire Software (GWRE) give a sense of how its business performed in the quarter ended January 2025, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers. zacks.com - 1 month ago
Guidewire Software (GWRE) Misses Q2 Earnings Estimates Guidewire Software (GWRE) came out with quarterly earnings of $0.51 per share, missing the Zacks Consensus Estimate of $0.52 per share. This compares to earnings of $0.46 per share a year ago. zacks.com - 1 month ago
8. Profile Summary

Guidewire Software, Inc. GWRE

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COUNTRY US
INDUSTRY Software - Application
MARKET CAP $ 14.7 B
Dividend Yield 0.00%
Description 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.
Contact 2850 South Delaware Street, San Mateo, CA, 94403 https://www.guidewire.com
IPO Date Jan. 25, 2012
Employees 3507
Officers Ms. Sinead Condon Chief People Officer Mr. Michael George Rosenbaum Chief Executive Officer & Director Mr. Garo Toomajanian Investor Relations Mr. Steven Sherry Senior Vice President of Strategic Accounts Mr. Jeffrey Elliott Cooper Chief Financial Officer Mr. James Winston King J.D. Chief Administrative Officer, General Counsel & Secretary Mr. Chet Mandair Chief Information Officer Mr. Brian Desmond Chief Marketing Officer Mr. Diego Devalle Chief Product Development Officer Mr. John Mullen President