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Guidewire Software GWRE Changes to allowance for credit losses and revenue reserves

Changes to allowance for credit losses and revenue reserves at other companies

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Mercury SystemsMRCY
-$28K-122%
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RBC BearingsRBC
$275K-8.3%
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Axis Capital HoldersAXS
-$850K+68.9%
Oscar Health logo
Oscar HealthOSCR
-$55K+99.4%
Insulet logo
InsuletPODD
$1.35M+2,800%
Bloom Energy logo
Bloom EnergyBE
$85K

Other financials

Income statement

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Revenue$372.5M+26.9%
Gross profit$236.6M+29.5%
Operating income$30.6M+586%
Net income$16.5M-64.2%
EPS (diluted)$0.19-64.8%

Balance sheet

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Cash & equivalents$294.6M-42.4%
Total debt$27.0M-18.1%
Total equity$1.3B-3.3%
Total assets$2.5B+1.9%

Cash flow

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Operating cash flow$61.2M+89.1%
CapEx$1.8M+152%
Free cash flow$59.4M+87.7%

Valuation

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Market cap$8.98B-30.1%
Enterprise value$8.71B-29.7%
P/E56.2×
P/S6.3×-5.0×

Profitability

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Gross margin64%+1.9pp
Operating margin8.2%
Net margin11.2%
FCF margin23.7%+2.1pp

Returns & leverage

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Return on equity11.9%
Debt / equity0.0×
Current ratio2.4×-0.8×

Where this comes from

Reported directly by Guidewire Software in its filing.

Tagged under the XBRL concept gwre:AccountsReceivableCreditLossExpenseReversalAndRevenueReserves.

The official record: Guidewire Software’s 10-K, filed September 11, 2025, on SEC EDGAR. View the filing →

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Questions, answered.

What is Guidewire Software's changes to allowance for credit losses and revenue reserves?
Guidewire Software (GWRE) reported changes to allowance for credit losses and revenue reserves of $131.5K in Q2 2025.
How has Guidewire Software's changes to allowance for credit losses and revenue reserves changed year-over-year?
Guidewire Software's changes to allowance for credit losses and revenue reserves decreased by 0.0% year-over-year, from $131.5K to $131.5K.
What is the long-term trend for Guidewire Software's changes to allowance for credit losses and revenue reserves?
Over 4 years (2021 to 2025), Guidewire Software's changes to allowance for credit losses and revenue reserves has grown at a 23.5% compound annual growth rate (CAGR), from $226K to $526K.
What does changes to allowance for credit losses and revenue reserves mean?
This reflects adjustments to the allowance for doubtful accounts, representing the estimated portion of receivables that may not be collected. It adjusts net income for changes in the perceived credit risk of the customer base.