Saturday 17 October 2026 Export GWRE’s income statement to Excel — free account

Guidewire Software, Inc.

Guidewire Software, Inc.’s revenue for fiscal 2026 (year ended July 2026) was $1.5 billion, up 22.7% from fiscal 2025. In the quarter to July 2026, revenue grew 15.3%, EPS fell 38.7%, free cash flow grew 16.4% and total debt was flat, each against the same quarter a year earlier. Revenue growth for ten consecutive years, operating cash flow growth for three.

168.86 6.91 −3.93%

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Market cap: $14.4B
P/E: 102×
Fwd P/E: 64.1×
Dividend yield: —
F-score: 7/9
Altman Z: 6.00
Beneish M: −2.70
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 51.84

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	6	11	4	4	11	4	4	10	5	8	8	3

Insider Ownership 3.45%

Capital & Financial Ratios $m

Market Cap 14,410.00

Revenue 1,475.36

Net Income 139.28

Free Cash Flow 358.66

Net Debt (74.97)

Current Ratio 1.79

Debt/Equity 0.57

P/E ratio 101.72

Fwd P/E 64.10

P/S ratio 9.64

P/B ratio 11.91

Past 5Y EPS Growth —

This Y EPS Growth 22.14%

Next Y EPS Growth 27.40%

Next Y revenue growth 16.45%

Next 5Y EPS Growth 25.88%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

EV/Sales, ten years

P/E against its own 10 years 13.82%

10-year low 10-year high

P/S against its own 10 years 28.90%

10-year low 10-year high

P/B against its own 10 years 90.86%

10-year low 10-year high

EV/Sales against its own 10 years 46.30%

10-year low 10-year high

EV/FCF against its own 10 years 14.50%

10-year low 10-year high

Dividends

Payout Ratio —

Annual Dividend Rate —

Annual Dividend Yield —

	total	individual payouts
2025	Powerpack
2024	Powerpack
2023	Powerpack
2022	Powerpack
2021	Powerpack
2020	Powerpack
2017	Powerpack

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	2026
Cash	799	1,004	1,149	753
Receivables	239	224	272	335
Inventory	—	—	—	—
Other	—	—	—	—
	1,100	1,296	1,507	1,187

	2023	2024	2025	2026
Payables	35	15	29	38
ST’ Debt	8	399	—	—
Other	28	33	35	43
	373	838	545	664

Compound Annual Growth %

	10y	5y	3y
Sales	13.27%	14.70%	17.68%
Cash Flow	14.58%	28.42%	116.52%
Earnings	24.98%	0.00%	0.00%
Book Value	4.29%	(5.03%)	(0.16%)

Revenue $m

	Oct	Jan	Apr	Jul	Year
’26	—	—	—	—	—
’26	333	359	373	411	1,475
’25	263	289	294	357	1,202
’24	207	241	241	292	980
’23	195	233	207	270	905
’22	166	205	197	245	813
’21	170	180	164	229	743

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Oct	Jan	Apr	Jul	Year
’26	—	—	—	—	—
’26	(67)	112	61	284	390
’25	(62)	86	32	245	301
’24	(72)	69	5	194	196
’23	(87)	1	(49)	173	38
’22	(107)	(3)	(11)	84	(38)
’21	(16)	13	6	108	112

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Oct	Jan	Apr	Jul	Year
’26	—	—	—	—	—
’26	(77)	106	54	277	359
’25	(67)	82	28	238	280
’24	(77)	64	1	189	177
’23	(92)	(3)	(52)	167	21
’22	(114)	(9)	(15)	79	(60)
’21	(20)	7	(4)	100	83

Fiscal quarters ending in the months shown.

EPS $

	Oct	Jan	Apr	Jul	Year
’26	—	—	—	—	—
’26	0.36	0.70	0.19	0.38	1.63
’25	0.11	(0.45)	0.54	0.60	0.81
’24	(0.33)	0.12	(0.07)	0.20	(0.07)
’23	(0.83)	(0.11)	(0.56)	0.15	(1.36)
’22	(0.62)	(0.49)	(0.69)	(0.37)	(2.16)
’21	(0.24)	(0.10)	(0.44)	(0.01)	(0.79)

Fiscal quarters ending in the months shown.

Group	Line	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026	2027e
Price, $
Price, $	Low	49.25	72.51	76.31	71.64	91.77	52.08	60.34	102.66	165.08	102.30	Analyst estimates 2027–2029 Powerpack
	High	83.52	107.79	123.60	129.76	134.22	114.00	111.00	209.15	272.60	207.49
People
People	Employees	1,893	2,292	2,355	2,690	2,942	3,376	3,415	3,469	3,772	4,174
	Revenue/emp, $m	0.27	0.28	0.31	0.28	0.25	0.24	0.27	0.28	0.32	0.35
Income, $m
Income, $m	Revenue	510	653	720	742	743	813	905	980	1,202	1,475
	Gross margin, %	62.40	54.54	54.92	54.46	52.41	46.42	50.61	59.50	62.54	64.21
	EBT	29	(8)	12	(24)	(104)	(230)	(134)	(27)	49	164
	EBT margin, %	5.60	(1.27)	1.73	(3.28)	(14.03)	(28.27)	(14.81)	(2.74)	4.11	11.12
	Net income	18	(27)	21	(27)	(67)	(180)	(112)	(6)	70	139
	Depreciation	20	39	58	54	69	68	40	40	48	61
Per share, $
Per share, $	Revenue	6.89	8.40	8.83	8.96	8.89	9.72	11.02	11.92	14.34	17.52
	Earnings	0.29	(0.34)	0.25	(0.33)	(0.79)	(2.16)	(1.36)	(0.07)	0.83	1.65
	Cash flow	1.88	1.81	1.43	1.36	1.34	(0.45)	0.47	2.38	3.59	4.63
	Capex	(0.09)	(0.15)	(0.60)	(0.31)	(0.35)	(0.26)	(0.21)	(0.23)	(0.24)	(0.37)
	Free cash flow	1.79	1.65	0.83	1.05	0.99	(0.71)	0.26	2.15	3.34	4.26
	Book value	12.01	18.19	19.33	20.00	18.48	17.37	14.60	16.32	17.38	14.18
	Shares, m	74	78	81	83	84	84	82	82	84	84
Valuation, ×
Valuation, ×	P/E	257.71	0.00	408.32	0.00	0.00	0.00	0.00	0.00	272.55	91.53
	P/S	10.48	10.26	11.56	13.13	12.92	7.97	7.70	12.60	15.77	8.67
	P/B	6.01	4.74	5.28	5.88	6.22	4.46	5.81	9.20	13.02	10.72
	EV/Sales	9.35	9.09	10.43	12.07	11.89	7.22	7.26	12.38	15.53	8.74
	EV/FCF	36.08	46.22	111.60	102.47	106.85	(98.24)	313.66	68.52	66.59	35.95
Cash, $m
Cash, $m	Operating cash flow	139	140	116	113	112	(38)	38	196	301	390
	Capex	(7)	(12)	(49)	(26)	(29)	(22)	(17)	(19)	(20)	(31)
	Free cash flow	132	128	67	87	83	(60)	21	177	280	359
Balance, $m
Balance, $m	Working capital	511	984	1,103	1,118	1,055	915	726	458	963	522
	Total debt	—	305	317	341	356	370	405	399	675	678
	Net debt	(573)	(762)	(807)	(792)	(764)	(606)	(394)	(605)	(475)	(75)
	Shareholders’ equity	889	1,414	1,574	1,657	1,545	1,452	1,199	1,343	1,457	1,194
Returns, %
Returns, %	ROA	1.81	(1.75)	1.00	(1.20)	(2.84)	(7.86)	(5.21)	(0.29)	2.82	5.26
	ROIC	4.33	(1.50)	0.12	(1.73)	(8.45)	(14.74)	(11.59)	(4.45)	2.61	8.37
	ROE	2.16	(2.32)	1.39	(1.68)	(4.15)	(12.04)	(8.44)	(0.48)	4.99	10.51

Negative figures in brackets.

All 10 years →

Fiscal years to Jul 2026 · latest quarter Jul 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
FICO Fair Isaac Corporation	$16.6B	22.0×	30.0×	+25.68% (above 0%: growing)	+39.65% (above 0%: growing)	+34.07% (above 0%: growing)	87.09%	53.79%	Compare
TYL Tyler Technologies, Inc.	$14.9B	47.3×	37.8×	+8.22% (above 0%: growing)	+14.80% (above 0%: growing)	+34.72% (above 0%: growing)	47.60%	14.74%	Compare
DOCU Docusign Inc.	$14.5B	44.7×	27.4×	+9.38% (above 0%: growing)	+32.26% (above 0%: growing)	+35.89% (above 0%: growing)	79.69%	13.43%	Compare
GWRE Guidewire Software, Inc.	$14.4B	102×	64.1×	+15.29% (above 0%: growing)	−38.71% (below 0%: shrinking)	+16.42% (above 0%: growing)	65.60%	15.16%
MANH Manhattan Associates, Inc.	$13.2B	62.9×	40.5×	+9.31% (above 0%: growing)	−8.51% (below 0%: shrinking)	+27.98% (above 0%: growing)	56.53%	22.24%	Compare
FIG Figma, Inc.	$12.3B	— (loss-making)	— (loss-making)	+48.25% (above 0%: growing)	n/m	−16.79% (below 0%: shrinking)	83.66%	(31.69%)	Compare
GRAB Grab Holdings Limited	$12.2B	21.0×	32.6×	+21.73% (above 0%: growing)	+500.00% (above 0%: growing)	−40.38% (below 0%: shrinking)	43.63%	1.91%	Compare
HUBS HubSpot, Inc.	$11.9B	81.5×	56.8×	+19.83% (above 0%: growing)	n/m	+44.84% (above 0%: growing)	82.35%	4.75%	Compare
FROG JFrog Ltd.	$11.7B	— (loss-making)	— (loss-making)	+28.73% (above 0%: growing)	n/m	+51.58% (above 0%: growing)	77.93%	(8.09%)	Compare
Median of peers	$12.7B	46.0×	35.2×	+20.78%	+32.26%	+34.40%	78.81%	9.09%

All 237 Software Application stocks →

Guidewire Software, Inc. (GWRE) key facts

Strength: Guidewire Software, Inc.’s revenue for fiscal 2026 (year ended July 2026) was $1.5 billion, up 22.7% from fiscal 2025.
Guidewire Software, Inc. (GWRE) is a Software Application company in the Technology sector, listed on the New York Stock Exchange.
As of October 16, 2026, GWRE traded at $168.86, a market capitalization of $14.4 billion.
Return on equity was 10.5% and debt-to-equity 0.57.
Its Piotroski F-score is 7 out of 9 and its Altman Z-score is 6.00 (safe zone) for fiscal 2026.

Source: company filings (standardised) and stockrow calculations.