CHARGED ALPHATMFrontier AI stock research

GWRE · NYSE

Guidewire Software, Inc.

Software - Application · United States

USD 144.29-0.5% daily changeQuote 2026-09-18 · USD
Market cap (USD)
US$11.83B
Trailing P/E
88.52x
Forward P/E
26.99x
Quarterly revenue growth
15.3%
Trailing net margin
9.4%
Indicated dividend yield

Snapshot 2026-09-20 · Latest financial period 2026-07-31 · Yahoo Finance. Quotes may be delayed; reporting periods can differ.

Next earnings: 2026-12-03 (provider estimate, not issuer-confirmed).

Company background

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.

Company website

Q4 FY2026

Go beyond the headline.

GWRE Stock: Guidewire Q4 FY2026 Earnings — A Beat, Then a 15% Drop

Published 2026-09-04

Comparable businesses

GWRE peer comparison

Same business group first, then company size. Preferred market cap: 0.5–2x; extended range: one-third–3x. Outside that range, industry benchmarks are labeled separately and excluded from peer medians.

Comparison stocks

No suitable peers with fresh, comparable size data are available. We have not substituted unrelated companies.

Market metrics · missing or inapplicable values shown as —
MetricGWREGuidewire Software, Inc.Snapshot 2026-09-20Financial period: 2026-07-31
Market capMarket value, converted to USDUS$11.83B
Forward P/EProvider forward earnings estimate26.99x
EV / EBITDAEnterprise value / trailing EBITDA72.01x
Revenue growthLatest quarter vs prior-year quarter15.3%
Operating marginLatest reported quarter15.2%
Free cash flow yieldTrailing cash flow / market cap2.9%
Net debt / EBITDANet debt / trailing EBITDA-0.38x
Debt / equityTotal debt / positive book equity0.60x
Trailing P/ETrailing twelve-month earnings88.52x
Price / bookPrice / positive book equity per share9.91x
EV / salesEnterprise value / trailing revenue7.98x
Earnings growthLatest quarter vs prior-year quarter-38.2%
Gross marginTrailing twelve months64.2%
Net marginTrailing twelve months9.4%
Return on equityProvider trailing return; positive equity only10.5%
Free cash flow marginTrailing free cash flow / revenue23.3%
Dividend yieldIndicated annual dividend / price
Earnings payoutProvider trailing dividend payout0.0%
Current ratioCurrent assets / current liabilities1.79x
BetaProvider historical market sensitivity0.97

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Comparison methodology & limitations

Reviewed operating groups override broad sector classifications. Other companies are matched only within a sufficiently specific provider industry. Business mix, geography and accounting standards can still differ. Market caps are converted to USD using exchange rates captured during the snapshot refresh. Financial ratios that would mix currencies are omitted. Snapshots must be at most 14 days old and no more than seven days apart for automatic selection.

Peer medians require at least two valid similar-size peers for each metric. Negative earnings, nonpositive equity, missing data and irrelevant bank ratios are not presented as attractive valuations. A higher or lower number is not automatically a better investment. Financial statement periods are not calendar-aligned across companies.

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Valuation & price history

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Price history

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Earnings-multiple scenario

Illustrative price = your earnings-per-share assumption × your P/E assumption. This is not a price target or a complete valuation model.

Starting assumptions, when available, use provider forward estimates as of 2026-09-20. Negative earnings require a different valuation method. This calculation omits balance-sheet, dilution and execution risks.

THE RESEARCH RECORD

Research history for GWRE

All available reporting periods
Q4 FY20262026-09-04
Q1 FY20272026-06-05

GWRE Stock: +16% Rev Beat Q1 FY2027

Presentation · 2026-06-05 · YouTube

Reported figures

Verify material figures against company filings. Market data and AI-assisted analysis may contain errors.