Guidewire Software Inc

Guidewire Software Inc

GWRE

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Market Cap$12.98B
Close$

Compare to Similar Companies

P/E RatioDividendsReturn on EquityPrice-to-SalesDebt-to-Equity
Guidewire Software IncGuidewire Software Inc68.4-13%10.30.7

Earnings Call Q4 2025

September 4, 2025 - AI Summary

Strong Financial Growth: Guidewire Software achieved a 19% year-over-year increase in Annual Recurring Revenue (ARR) for fiscal 2025, reaching $1.032 billion. Fully ramped ARR soared by 22% on a constant currency basis. This growth reflects high demand for the Guidewire Cloud Platform and successful modernization initiatives within the property and casualty insurance sector.
Record Low ARR Attrition: The company reported the lowest ARR attrition rate since disclosures began, attributed to increased focus on customer success, quality implementations, and a generally stable industry environment with minimal M&A activity impacting customers. This reflects a robust customer base and effective engagement strategies.
Strategic Partnerships and Long-term Contracts: A landmark 10-year deal with Liberty Mutual exemplifies strong customer commitment to the Guidewire Cloud Platform. While this deal may not signal a broader industry trend yet, ongoing conversations with Tier 1 insurers about strategic partnerships and longer-term commitments indicate positive momentum.

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Target Price by Analysts

45.2% upsideGuidewire Software Target Price DetailsTarget Price
$35.67

Current Fair Value

77% downside

Overvalued by 77% based on the discounted cash flow analysis.

Share Statistics

Market cap$12.98 Billion
Enterprise Value$13.58 Billion
Dividend Yield$- (-)
Earnings per Share$0.83
Beta0.91
Outstanding Shares84,819,190

Return

Return on Equity12.54%ROE
Return on Assets7.03%
Return on Invested Capital7.58%

Valuation & Multiples

P/E Ratio68.38P/E Ratio
PEG-26.18PEG
Price to Sales10.33Price to Sales
Price to Book Ratio9.12Price to Book Ratio
Enterprise Value to Revenue10.12
Enterprise Value to EBIT80.27
Enterprise Value to Net Income71
Total Debt to Enterprise0.07
Debt to Equity0.67Debt to Equity

Revenue Sources

No data

Insider Trades

Last Earnings Call

Report Date
June 2, 2026
EPS Estimate
$0.79
Average shareholder expectation
Revenue Estimate
$355.92 M
Average shareholder expectation

Next Earnings Call

Expected Date
June 4, 2026
EPS Estimate
$0.79
Average shareholder expectation
Revenue Estimate
$355.92 M
Average shareholder expectation

Institutional Put/Call Ratio

Market sentiment based on institutional option activity.

Put/Call Ratio0.5005 60.82%
Total Calls435,400 110.24%
Total Puts217,900 5.10%

Institutional Ownership

Holdings and activity of institutional investors.

Ownership %100.77% 2.92%
Total Invested$12.79B 23.28%
Investors Holding613 72.00%

ESG Score

No data

About Guidewire Software Inc

CEO: Michael Rosenbaum

Guidewire is the platform P&C insurers trust to engage, innovate, and grow efficiently. Guidewire combines digital, core, analytics, and AI to deliver our platform as a cloud service. More than 400 insurers, from new ventures to the larg...

Relevant Senate Committees

Joint Committee on Taxation

This committee provides critical analysis and revenue estimates for all tax legislation, directly influencing corporate tax structures and investment incentives that impact Guidewire's financial planning and bottom line.

Finance

This powerful committee controls taxation and trade. Corporate tax policy directly impacts Guidewire's profitability and financial strategy, as well as the overall economic health of its clients in the financial services sector.

Banking, Housing, and Urban Affairs

This committee directly regulates the entire financial system, including the SEC. While P&C insurance is largely state-regulated, federal oversight of financial institutions, FinTech, data standards, and capital markets profoundly impacts Guidewire's clients and the regulatory environment for its software solutions for insurers.

Commerce, Science, and Transportation

This committee has vast jurisdiction over interstate commerce, the FTC, and privacy laws impacting 'Big Tech.' As a software company providing cloud services and handling significant data for insurers, Guidewire is directly affected by regulations on data privacy, cybersecurity, and general tech oversight.