A Business at a Glance
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Table of Contents Overview and Purpose Guidewire is the platform that property and casualty (“P&C”) insurers rely on to engage with customers, innovate, and operate more efficiently. Founded in 2001, we serve insurers of all sizes, ranging from global carriers to regional and local providers, helping them navigate a rapidly changing insurance market. Our platform combines core systems of record with digital, analytics, and artificial intelligence (“AI”) capabilities. Our foundational core products, InsuranceSuite and InsuranceNow, are delivered primarily as a cloud-based subscription service leveraging our proprietary cloud platform which we refer to as Guidewire Cloud Platform (“GWCP”). Historically, InsuranceSuite has also been available for self-managed installations. These products serve as transactional systems of record, fully supporting insurance operations, including product definition, policy administration, claims management and billing.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 1.3B | 1.2B | 980M | 905M | 813M | 743M |
| Net Income | 189M | 70M | -6.1M | -112M | -180M | -67M |
| EPS | $2.21 | $0.81 | $-0.07 | $-1.36 | $-2.16 | $-0.79 |
| Free Cash Flow | 310M | 295M | 189M | 33M | -47M | 93M |
| ROIC | 7.2% | 3.8% | -0.4% | -6.6% | -9.8% | -3.4% |
| Gross Margin | 63.8% | 62.5% | 59.5% | 50.6% | 46.4% | 52.4% |
| Debt/Equity | 0.45 | 0.46 | 0.30 | 0.33 | 0.25 | 0.22 |
| Dividends/Share | $0.00 | - | - | - | - | - |
| Operating Income | 91M | 41M | -53M | -149M | -199M | -106M |
| Operating Margin | 6.8% | 3.4% | -5.4% | -16.5% | -24.5% | -14.2% |
| ROE | 12.5% | 5.0% | -0.5% | -8.4% | -12.0% | -4.2% |
| Shares Outstanding | 86M | 86M | 87M | 82M | 84M | 84M |
Guidewire Software, Inc. passes 4 of 9 quality checks, suggesting mixed fundamentals.
Guidewire Software, Inc. trades at 117.2x trailing earnings, compared to its 15-year median P/E of 15.0x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 36.9x vs a median of 53.8x. The company's 5-year average gross margin is 54.3%. At current prices, the estimated annualized return to fair value is +10.3%.
Guidewire Software, Inc. (GWRE) has a current P/E ratio of 117.2, compared to its historical median P/E of 15.0. The stock is currently considered Expensive based on its historical valuation range.
Guidewire Software, Inc. (GWRE) has a 5-year average return on invested capital (ROIC) of -3.3%. This is below average and may indicate limited pricing power.
Guidewire Software, Inc. (GWRE) has a market capitalization of $10.7B. It is classified as a large-cap stock.
Guidewire Software, Inc. (GWRE) does not currently pay a regular dividend.
Based on historical P/E analysis, Guidewire Software, Inc. (GWRE) appears expensive. The current P/E of 117.2 is 681% above its historical median of 15.0. The estimated fair value CAGR (P/E method) is 34.3%.
Guidewire Software, Inc. (GWRE) operates in the Services-Prepackaged Software industry, within the Technology sector.
Guidewire Software, Inc. (GWRE) reported annual revenue of $1.2 billion in its most recent fiscal year, based on SEC EDGAR filings.
Guidewire Software, Inc. (GWRE) has a net profit margin of 5.8%. This is a modest margin.
Guidewire Software, Inc. (GWRE) generated $295 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
Guidewire Software, Inc. (GWRE) has a debt-to-equity ratio of 0.46. This indicates a conservatively financed balance sheet.
Guidewire Software, Inc. (GWRE) reported earnings per share (EPS) of $0.81 in its most recent fiscal year.
Guidewire Software, Inc. (GWRE) has a return on equity (ROE) of 5.0%. This indicates moderate shareholder returns.
Guidewire Software, Inc. (GWRE) has a 5-year average gross margin of 54.3%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 15 years of financial data for Guidewire Software, Inc. (GWRE), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
Guidewire Software, Inc. (GWRE) has a book value per share of $16.91, based on its most recent annual SEC filing.