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Guidewire Software, Inc.

GWRE

Guidewire Software provides a comprehensive cloud-based platform designed specifically for the property and casualty (P&C) insurance industry.

Market cap
$13.51B-33.2%
Revenue$1.5B+22.7%
Net income$139.3M+99.5%
Free cash flow$377.7M+28.0%
EPS (diluted)$1.62+102%
Trailing twelve months · change vs. prior year

Earnings

Next report

Dec 3, 2026 (in 2 months)
Revenue estimate$376.4M
EPS estimate$0.75

Financials

Q4 2026

Income statement

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Revenue$411.1M+15.3%
Gross profit$269.7M+16.3%
Operating income$62.3M+111%
Net income$31.4M-39.6%
EPS (diluted)$0.37-38.3%

Balance sheet

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Cash & equivalents$372.9M-46.7%
Total debt$36.9M-10.3%
Total equity$1.2B-18.1%
Total assets$2.6B-5.3%

Cash flow

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Operating cash flow$283.9M+16.0%
CapEx$2.1M-37.7%
Free cash flow$281.8M+16.7%

Valuation & ratios

Valuation

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Market cap$13.51B-33.2%
Enterprise value$13.17B-31.9%
P/E97×-189×
P/S9.2×-7.5×

Profitability

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Gross margin64.2%+1.7pp
Operating margin10.2%+6.7pp
Net margin9.4%+3.6pp
FCF margin25.6%+1.1pp

Returns & leverage

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Return on equity10.5%+5.5pp
Debt / equity0×0.0×
Current ratio1.8×-1.0×

Segments

By geography

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Total EMEA$68.4M+12.6%
Total APAC$33.6M+53.8%
Other Americas$7.1M+58.9%

By product

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Subscription$253.5M+35.9%
Services$67.3M+10.2%
Support$13.3M-14.1%

By segment

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Reportable Segment$411.1M+15.3%

Competitors

Profile

Guidewire Software provides a comprehensive cloud-based platform designed specifically for the property and casualty (P&C) insurance industry. The company's software serves as a transactional system of record, enabling insurers to manage the entire insurance lifecycle including product definition, underwriting, policy administration, billing, and claims. By integrating digital engagement tools, predictive analytics, and AI capabilities, Guidewire helps global and regional carriers modernize their operations and improve customer experiences.

Competitive position

Guidewire is a leading provider of core systems for the P&C industry, distinguished by its specialized cloud platform (GWCP) and extensive ecosystem of third-party integrations.

GeographiesNorth America, Europe, Middle East, Africa, Asia-Pacific
Customer segmentsProperty and Casualty Insurers, Financial Institutions, Managing General Agents
Business modelSubscription SaaS, Professional Services, B2B, Cloud Platform
SuppliersAmazon Web Services (AWS), Public cloud infrastructure providers, Third-party data providers, Regulatory bodies (ISO, NCCI)
CustomersGlobal P&C insurance carriers, Regional and local insurance providers, Managing general agents, Insurance brokers
Listed2012
Employees1.4K
CEOMichael George Rosenbaum
FilingsSEC EDGAR

FAQ

What is Guidewire Software, Inc.'s market cap?
Guidewire Software, Inc. (GWRE) has a market capitalization of $13.5B and trades on NYSE.
What is Guidewire Software, Inc.'s revenue and profitability?
Guidewire Software, Inc. generated $1.5B in trailing twelve-month revenue with net income of $139.3M, representing a net margin of 9.4%. Gross margin stands at 64.2%, with free cash flow of $377.7M. The latest reported period is Q4 2026.
Who are Guidewire Software, Inc.'s competitors?
Guidewire Software, Inc.'s key competitors include DXC Technology, ExlService Holdings, Inc., Verisk Analytics, Inc. Common Stock, and others. These companies compete in similar markets and product categories.
Who does Guidewire Software, Inc. partner with?
Guidewire Software, Inc.'s notable partners include Amazon Web Services, Salesforce, ServiceNow, and others.
What subsidiaries does Guidewire Software, Inc. have?
Guidewire Software, Inc.'s subsidiaries include HazardHub, Cyence.
Where is Guidewire Software, Inc. headquartered?
Guidewire Software, Inc. is headquartered in United States of America and employs approximately 1,354 people. It has been publicly traded since 2012.