GWRE · NYSE
Guidewire Software, Inc.
Software - Application · United States
- 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 websiteQ4 FY2026
Go beyond the headline.
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.
No suitable peers with fresh, comparable size data are available. We have not substituted unrelated companies.
| Metric | GWREGuidewire Software, Inc.Snapshot 2026-09-20Financial period: 2026-07-31 |
|---|---|
| Market capMarket value, converted to USD | US$11.83B |
| Forward P/EProvider forward earnings estimate | 26.99x |
| EV / EBITDAEnterprise value / trailing EBITDA | 72.01x |
| Revenue growthLatest quarter vs prior-year quarter | 15.3% |
| Operating marginLatest reported quarter | 15.2% |
| Free cash flow yieldTrailing cash flow / market cap | 2.9% |
| Net debt / EBITDANet debt / trailing EBITDA | -0.38x |
| Debt / equityTotal debt / positive book equity | 0.60x |
| Trailing P/ETrailing twelve-month earnings | 88.52x |
| Price / bookPrice / positive book equity per share | 9.91x |
| EV / salesEnterprise value / trailing revenue | 7.98x |
| Earnings growthLatest quarter vs prior-year quarter | -38.2% |
| Gross marginTrailing twelve months | 64.2% |
| Net marginTrailing twelve months | 9.4% |
| Return on equityProvider trailing return; positive equity only | 10.5% |
| Free cash flow marginTrailing free cash flow / revenue | 23.3% |
| Dividend yieldIndicated annual dividend / price | — |
| Earnings payoutProvider trailing dividend payout | 0.0% |
| Current ratioCurrent assets / current liabilities | 1.79x |
| BetaProvider historical market sensitivity | 0.97 |
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.
Reported performance
Financial trends
Periods are grouped by their ending calendar year or quarter, not identical fiscal calendars. Exact period-end dates appear in tooltips and reported figures. When reporting currencies differ and a recent captured FX rate is available, money and EPS are normalized to USD for comparison. This is not a historical FX restatement. Gaps are not estimated.
Financial statements load separately from the research page.
Source: . Window ends at the latest available reporting period.
Revenue
Reported figures
Financial data & calculation notes
Standalone charts use the stated reporting currency. When a chart comparison spans currencies, money and EPS can be normalized to USD using a recent captured FX snapshot; this is for comparison only, not a historical FX restatement. Stock-based compensation is noncash. Free cash flow is operating cash flow less capital spending, which may include capitalized software. Missing metrics are not estimated or assumed to be zero. Banking and insurance ratios require industry-specific interpretation. Latest restatements may differ from figures in older episodes.
Market context
Valuation & price history
Adjusted closing price
Price history loads separately.
Price figures
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
Q4 FY20262026-09-04
GWRE Stock: Guidewire Q4 FY2026 Earnings — A Beat, Then a 15% Drop
Presentation · 2026-09-04 · YouTube
Q1 FY20272026-06-05
GWRE Stock: +16% Rev Beat Q1 FY2027
Presentation · 2026-06-05 · YouTube