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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.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Guidewire Software supplies software and cloud platforms for property and casualty insurers, enabling policy administration, claims and billing operations. Long-term growth drivers include insurers’ migration to cloud-based systems, recurring subscription revenue and expansion of partner and marketplace ecosystems. The company appears positioned to benefit from high switching costs for core systems and continuing demand for digital modernization.
Key risks include execution challenges in converting legacy customers to its cloud subscription model, intensifying competition from large enterprise software vendors and insurtechs, and volatility from long sales cycles and insurance-sector IT spending.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2026-07-31 | 2025-07-31 | 2024-07-31 | 2023-07-31 | 2022-07-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2026-07-31 | 2025-07-31 | 2024-07-31 | 2023-07-31 | 2022-07-31 |
| Income before tax | 164.12M | 49.40M | -26.84M | -134.09M | -229.72M |
| Net income | 139.28M | 69.80M | -6.10M | -111.86M | -180.43M |
| Selling general administrative | 198.46M | 184.48M | 167.52M | 328.03M | 107.39M |
| Selling and marketing expenses | 258.94M | 230.35M | 199.03M | 29.93M | 194.61M |
| Gross profit | 947.37M | 752.05M | 583.36M | 458.21M | 352.22M |
| Reconciled depreciation | 27.95M | 23.76M | 22.31M | 24.84M | 33.54M |
| Ebit | 177.44M | 62.61M | -20.10M | -127.38M | -199.45M |
| Ebitda | 213.90M | 86.36M | 2.21M | -102.54M | -176.73M |
| Depreciation and amortization | 36.45M | 23.76M | 22.31M | 24.84M | 22.72M |
| Non operating income net other | - | - | - | - | -17.10M |
| Operating income | 150.32M | 41.07M | -52.57M | -149.49M | -199.45M |
| Other operating expenses | 1325.04M | 1161.39M | 1033.07M | 1054.83M | 1012.06M |
| Interest expense | 13.32M | 13.21M | 6.74M | 6.72M | 19.45M |
| Tax provision | 24.83M | -20.41M | -20.73M | -22.24M | -49.28M |
| Interest income | 48.56M | 56.62M | 43.48M | 24.39M | 6.28M |
| Net interest income | 35.24M | 43.41M | 36.74M | 17.67M | -13.17M |
| Income tax expense | 24.83M | -20.41M | -20.73M | -22.24M | -49.28M |
| Total revenue | 1475.36M | 1202.46M | 980.50M | 905.34M | 812.61M |
| Total operating expenses | 797.49M | 710.99M | 635.93M | 607.70M | 551.67M |
| Cost of revenue | 528.00M | 450.41M | 397.14M | 447.13M | 460.39M |
| Total other income expense net | 13.79M | 8.33M | 25.73M | -2.28M | -30.27M |
| Net income from continuing ops | 139.28M | 69.80M | -6.10M | -111.86M | -180.43M |
| Net income applicable to common shares | - | - | - | -111.86M | -180.43M |
| Breakdown | 2026-07-31 | 2025-07-31 | 2024-07-31 | 2023-07-31 | 2022-07-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2026-07-31 | 2025-07-31 | 2024-07-31 | 2023-07-31 | 2022-07-31 |
| Total assets | 2576.95M | 2721.10M | 2226.29M | 2027.89M | 2266.90M |
| Intangible assets | 16.41M | 12.04M | 9.01M | 14.47M | 21.36M |
| Other current assets | 99.36M | 86.37M | 49.79M | 51.02M | 61.22M |
| Total liab | 1383.26M | 1263.87M | 883.56M | 828.42M | 815.24M |
| Total stockholder equity | 1193.69M | 1457.23M | 1342.73M | 1199.47M | 1451.66M |
| Deferred long term liab | - | - | - | 35.00M | 7.50M |
| Other current liab | 189.24M | 165.31M | 125.88M | 27.73M | 114.06M |
| Common stock | 0.01M | 0.01M | 0.01M | 0.01M | 0.01M |
| Capital stock | 0.01M | 0.01M | 0.01M | 0.01M | 0.01M |
| Retained earnings | -1024.40M | -554.25M | -624.05M | -617.95M | -283.98M |
| Other liab | - | - | - | 15.02M | 14.38M |
| Good will | 423.27M | 393.98M | 372.21M | 372.21M | 372.19M |
| Other assets | - | - | 0.00M | 278.17M | 262.11M |
| Cash | 372.89M | 699.10M | 547.99M | 401.81M | 606.30M |
| Total current liabilities | 664.50M | 544.80M | 837.63M | 373.26M | 337.52M |
| Current deferred revenue | 437.18M | 340.25M | 281.86M | 206.92M | 170.78M |
| Net debt | 330.41M | 16.59M | -105.07M | 38.33M | -130.73M |
| Short term debt | - | 10.44M | 408.20M | 103.98M | 12.24M |
| Short long term debt | - | - | 398.90M | - | - |
| Short long term debt total | 703.30M | 715.69M | 442.92M | 440.14M | 475.58M |
| Other stockholder equity | 2230.31M | 2020.39M | 1979.02M | 1831.27M | 1755.48M |
| Property plant equipment | - | - | - | 106.87M | 171.03M |
| Total current assets | 1186.98M | 1507.41M | 1295.53M | 1099.60M | 1252.70M |
| Long term investments | 497.25M | 353.80M | 148.29M | 128.78M | 187.51M |
| Net tangible assets | - | - | - | 812.78M | 1058.10M |
| Short term investments | 380.18M | 451.54M | 455.58M | 396.87M | 369.87M |
| Net receivables | 334.55M | 271.60M | 242.18M | 238.79M | 215.31M |
| Long term debt | 678.09M | 674.57M | - | 397.17M | 358.22M |
| Inventory | - | - | 17.81M | 11.11M | - |
| Accounts payable | 38.07M | 28.80M | 15.21M | 34.63M | 40.44M |
| Accumulated other comprehensive income | -12.23M | -8.92M | -12.24M | -13.86M | -19.84M |
| Common stock total equity | - | - | - | - | 0.01M |
| Retained earnings total equity | - | - | - | - | -283.98M |
| Non currrent assets other | 99.28M | 76.26M | 49.01M | 79.07M | 70.65M |
| Non current assets total | 1389.97M | 1213.68M | 930.76M | 928.28M | 1014.19M |
| Capital lease obligations | 36.89M | 41.12M | 44.02M | 42.97M | 105.12M |
| Long term debt total | - | - | - | - | 358.22M |
| Breakdown | 2026-07-31 | 2025-07-31 | 2024-07-31 | 2023-07-31 | 2022-07-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2026-07-31 | 2025-07-31 | 2024-07-31 | 2023-07-31 | 2022-07-31 |
| Investments | -66.97M | -236.97M | -52.36M | 12.71M | 312.21M |
| Change to liabilities | - | - | - | 28.55M | 45.14M |
| Total cashflows from investing activities | -135.98M | -236.97M | -52.36M | 12.71M | 312.21M |
| Net borrowings | 0.00M | 139.24M | 0.00M | - | - |
| Total cash from financing activities | -583.21M | 82.29M | 1.05M | -261.58M | -37.34M |
| Change to operating activities | - | - | - | -21.88M | -30.11M |
| Net income | 139.28M | 69.80M | -6.10M | -111.86M | -180.43M |
| Change in cash | -326.21M | 149.91M | 142.39M | -207.90M | 229.78M |
| Begin period cash flow | 699.10M | 549.19M | 406.79M | 614.69M | 384.91M |
| End period cash flow | 372.89M | 697.90M | 549.18M | 406.79M | 614.69M |
| Total cash from operating activities | 393.95M | 300.87M | 195.75M | 38.40M | -37.94M |
| Issuance of capital stock | 26.60M | - | - | - | - |
| Depreciation | 21.70M | 23.76M | 22.31M | 24.84M | 33.54M |
| Other cashflows from investing activities | -33.02M | -12.81M | -13.50M | - | -56.10M |
| Change to inventory | - | - | - | -35.32M | - |
| Change to account receivables | -64.06M | -42.28M | 20.31M | -7.30M | -42.55M |
| Sale purchase of stock | -606.31M | 0.00M | 0.00M | -261.81M | -37.45M |
| Other cashflows from financing activities | - | -55.90M | 1.05M | 0.23M | 312.21M |
| Change to netincome | - | - | - | 119.81M | 89.51M |
| Capital expenditures | 12.06M | 5.74M | 18.53M | 17.43M | 21.78M |
| Change receivables | - | - | - | - | -42.55M |
| Cash flows other operating | - | - | - | - | 9.29M |
| Cash and cash equivalents changes | - | - | - | - | 236.94M |
| Change in working capital | 1.93M | 11.31M | 52.67M | -14.06M | -9.40M |
| Stock based compensation | 181.80M | 161.56M | 146.46M | 142.84M | 137.01M |
| Other non cash items | 40.26M | 66.22M | 7.26M | 24.15M | 35.46M |
| Free cash flow | 377.66M | 295.13M | 177.22M | 20.97M | -59.72M |
Sector: Technology Industry: Software - Application
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
Enterprise Value
to EBITDA (x) |
|---|---|---|---|---|---|---|---|---|
| GWRE Guidewire Software Inc |
-2.23 1.32% |
166.92 | 93.64 | 34.84 | 8.27 | 10.51 | 8.48 | 60.89 |
| SAP SAP SE ADR |
1.13 0.48% |
236.93 | 28.16 | 22.42 | 6.52 | 4.85 | 5.60 | 16.61 |
| CRM Salesforce.com Inc |
1.22 0.51% |
242.11 | 23.41 | 15.55 | 4.79 | 5.56 | 5.55 | 14.88 |
| SAPGF SAP SE |
0.08 0.03% |
236.00 | 76.28 | 22.88 | 5.61 | 3.84 | 5.59 | 26.18 |
| SHOP Shopify Inc |
2.41 1.45% |
168.22 | 90.18 | 53.19 | 12.70 | 13.17 | 12.23 | 67.86 |
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.
| Name | Title | Year Born |
|---|---|---|
| Mr. Marcus S. Ryu | Co-Founder & Chairman | 1974 |
| Mr. Michael George Rosenbaum | CEO & Director | 1971 |
| Ms. Priscilla Hung | Pres & COO | 1967 |
| Mr. John Mullen | Pres & Chief Revenue Officer | NA |
| Mr. Jeffrey Elliott Cooper | Chief Financial Officer | 1976 |
| Mr. James Winston King | Chief Admin. Officer, Gen. Counsel & Sec. | 1972 |
| Mr. Chet Mandair | Chief Information Officer | NA |
| Mr. Garo Toomajanian | Investor Relations | NA |
| Diana Stott | Director of Communications | NA |
| Mr. Brian Desmond | Chief Marketing Officer | NA |
Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
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